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    Instant Approval Credit Cards

    Singapore banks do not have instant card approval. However, banks like CIMB have a feature known as ‘same day card approval’, wherein your credit card gets delivered on the same day your bank approves your card application.

    CIMB Bank Singapore:

    CIMB credit cards come with the ‘same day card approval’ benefit. This feature is valid only for applications submitted on, with the duly filled application form and all the supporting documents before noon from Monday to Friday. If you submit the application on a public holiday, the bank will approve your card the following business day. If you submit your application on Friday after 12:00 p.m. or on the weekends, your application will be approved the following Monday.

    If CIMB successfully approves your application, a notification via SMS will be sent to your mobile phone and the card will be sent out for delivery within three working days. In case the bank does not approve your card application or requires additional documents, you will be notified through a letter sent to your mailing address.

    The ‘same day card approval’ feature does not apply to the following:

    • If you submit an incomplete application form.
    • If you fail to submit the necessary documents for verification.
    • If you submit your application via “Let Us Call You Form” or other channels.

    List of credit cards by CIMB Bank with ‘same day card approval’ benefit:

    UOB Bank Singapore:

    UOB also offers a ‘same day card delivery’ feature, where the bank guarantees to deliver your credit card to the mailing address, upon approval. To enjoy this benefit, you need to upload the completed application form along with the required documents on before 1:00 p.m. on weekdays. If you submit the application on Saturday and Sunday and select the ‘same day card delivery’ option, then the bank will deliver the card the following working day.

    The ‘same day card delivery’ service does not apply to the following:

    • If you upload an incomplete form.
    • If you do not submit the supporting documents on time.
    • If you are an existing customer of UOB but hold a different NRIC, Passport, PR number as per bank records.
    • If you apply through SMS.
    • If you apply via Personal Internet Banking.
    • If you submit only the contact and acceptance forms.

    List of credit cards by UOB with ‘same day card delivery’ service:

    ‘Get Your Card in 24 Hours’ by Citi Singapore:

    Citi offers a ‘Get Your Card in 24 Hours’ online programme, where the bank will call you once your credit card is approved. Citi will not deliver the card to you to your mailing address. You have to collect your card from one of their Instant Banking Centres at Orchard MRT, Vivocity, Paragon, Ang Mo Kio MRT, Tiong Bahru MRT, Bugis MRT, Tampines MRT, and Cityhall MRT. To be eligible for this programme, you have to be a Singaporean or a PR, aged 21 years or above, an employed citizen with a minimum salary of S$30,000 p.a., submit your online CPF Weblink using your Singpass login, and email a photocopy of both sides of your NRIC to [email protected]

    ‘Get Your Card in 24 Hours’ online programme is valid for Citi Ready Card and Citi Credit Card excluding Citi Business Card, Citi Purchasing Card, Citi Corporate Card, and Citi Travel Account. To get this benefit, you have to submit an online application on on weekdays. Weekends and public holidays do not qualify. If you submit the application before 4:00 p.m., then the bank’s executive will call you on the same day. If you submit it after 4:00 p.m., then the bank’s staff will call you on the next business day.

    Terms and conditions:

    • You will receive your card in 24 hours only after you have successfully submitted your CPF statement via the CPF Weblink, emailed a copy of your NRIC, and completed the phone call with the bank’s staff to verify your online application.
    • If the required documents are rejected by Citi, then you are required to re-submit a new set of documents in order to receive the credit card within 24 hours.
    • Once Citi approves your application, the bank will no longer be liable for any delay in the collection of your card beyond 24 hours.
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