Credit Card Credit Limit Review

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.