Credit Limit Review | DBS Singapore

Credit Card Credit Limit Review

At a Glance

Fast approval

via Myinfo with Singpass

Hassle free application

Easy online submission with few steps

Greater spending power with higher limit

Unlock your financial flexibility

Apply now Note: Both Principal and Supplementary Cardholders' consents are required, in order for Supplementary Cards to enjoy the same permanent credit limit increase.

For supplementary card credit limit review, please apply here.

Promotion

Get $20 cash reward with a credit limit review!Skip the hassle of documents submission when you increase your credit limit using Myinfo with Singpass or the Salary Crediting option. Plus, you get to receive a S$20 cash reward upon approval! Valid till 31 October 2024.Terms and Conditions Apply.

How it worksOn your digibank onlineStep 1
Login to digibank online with your User ID & PIN.Step 2
Under Apply, click on More Application Services.Step 3
Select Credit Limit Review.Step 4
Under Proof of Income, select Retrieve Income Data via Myinfo^.Step 5
Verify and Submit your Credit Limit Review application^ Credit limit review application using Singpass is only applicable on DBS/POSB digibank online.On your digibank mobile

Step 1:
Log in to digibank mobile with your Touch / Face ID or digibank User ID & PIN.

Step 2:
Tap on More.

Step 3:
Under Manage Cards & Loans, tap on Credit Card Limit Review or Cashline Limit Review.

Step 4:
Verify and Submit your Credit Limit Review application.

Required documents

For Singapore Citizens and Permanent Residents

Singpass holders applying via Myinfo with Singpass, no documents are required.


Salaried Employee	Salary Crediting into DBS/POSB Account¹; or Latest Computerised Payslip AND latest Income Tax Notice of Assessment; or Latest 12 months’ CPF contribution History Statement² AND* latest Income Tax Notice of Assessment
Variable/Commission-based Employees	Latest 2 years’ Income Tax Notice of Assessment
Self-Employed	Latest 2 years’ Income Tax Notice of Assessment

For Foreigners

Employment Pass with at least 6 months validity; and

Latest Computerised Payslip AND latest Income Tax Notice of Assessment or
Company Letter certifying Employment and Salary (in Singapore dollar currency), dated within 3 months from the date of credit card application AND latest Income Tax Notice of Assessment

* Income record/ documents must not be dated more than 3 months prior to date of application.

¹ Your salary must be credited via GIRO, to your own DBS/POSB Account for the last 3 consecutive months and your current annual income meets our minimum income criteria. Salary credited into joint account will not be considered.

² Monthly CPF contribution is subject to an income ceiling of $6,800 per month currently.

Apply nowReady to unlock your financial flexibility with a higher credit limit? Apply for a credit review today with a secure and hassle-free process.Apply nowIf your account is already suspended, please visit: Reinstatement of Suspended account to update your income and uplift the suspension.Control your budget easily by setting a spend limit for your credit cards. Use DBS Payment Controls to manage spending limits and secure your credit cards at all times.

Frequently Asked Questions

Who is eligible for Credit Limit Review?

All principal cardholders can apply for Credit Limit Review. Both Principal and Supplementary Cardholders' consents are required, for Supplementary Cards to enjoy the same permanent credit limit increase.

For supplementary card credit limit review, please apply here.

Will my application for Credit Limit Review be approved if I were to apply?

The credit limit granted will be subjected to the income documents submitted. If your latest income documents submitted reflect an increase in income based on our record, credit limit increase will be subject to our review.

What if a lower income is submitted?

Should your submitted income documents reflect a lower-earned income than what was previously declared, the existing Credit Card or Cashline limit will be reduced to reflect the prevailing earned income.

Will my existing balance transfer or instalment loans be affected if my credit limit is reduced?

Yes, the loan will be cancelled if the total outstanding balances on your existing balance transfer or instalment loan exceeds your new credit limit, and any cancellation fees will be applied.

What’s the maximum credit limit I can receive?

Review and revision of the combined Credit Card account(s) and/or unsecured credit facilities’ credit limit is conducted at DBS's absolute discretion.

ANNUAL INCOME	CREDIT LIMIT
S$30,000 to S$120,000	Up to 4X monthly income
>S$120,000	Up to 10X monthly income

I have been granted a temporary credit limit increase and I have also applied for a permanent increase, when will my permanent credit limit be effective?

Any approved permanent credit limit increase will override the temporary credit limit increase.

Can I reduce my credit limit?

You may use Payment Control on digibank app to manage your card (main and supplementary) spending limits, by entering a Preferred Monthly Spend Limit. You may refer to the steps here.

How do I review the credit limit for my supplementary card?

Both Principal and Supplementary Cardholders' consents are required, for Supplementary Cards to enjoy the same permanent credit limit increase.

For supplementary card credit limit review, you may complete and mail the form which can be found here.

Alternatively, you may use Payment Control on digibank app to manage your card (main and supplementary) spending limits, by entering a Preferred Monthly Spend Limit. You may refer to the steps here.