Compare Student Credit Cards 2026
Choose the best student credit card with no minimum income requirment, low annual fee and low credit limit.
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APPLY NOW for DBS Live Fresh Student Card
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Best Student Credit Cards in Singapore (2026)
| Bank | Credit card | Eligibility | Annual fee | Key benefits |
|---|---|---|---|---|
| DBS | DBS Live Fresh Student Card |
|
$196.20 (5 years waived) $500 credit limit |
|
| Citibank | Citi Clear Card - Student |
|
$30.52 (1st year waived) $500 credit limit |
|
| Maybank | Maybank eVibes Card |
|
$5.45 quarterly fee (2 years waived) $500 credit limit |
|
What are Student Credit Cards in Singapore?
Student credit cards in Singapore are designed for tertiary students keen to start building their financial independence early while earning perks on everyday expenses. Unlike regular credit cards, student credit cards typically have no minimum income requirement (proof) and come with modest credit limits (e.g. $500 for DBS Live Fresh Student Card). Furthermore, rewards are kept simple, often offering cashback on dining and transport, or bonus reward points on online spend.
These combined features make these cards accessible and straightforward to use for those on tight budgets and just entering the workforce. Plus, acquiring a credit card responsibly early on also inculcates good financial habits, building a positive credit history early on, and paving the way to qualify for bigger financial products like home loans more easily in the future.
Note: Unlike regular credit cards, student credit cards typically do not come with rotating monthly sign-up promotions. Any benefits shown above (cashback, rewards, annual fee waivers) are ongoing offers, subject to change by banks without prior notice.
These combined features make these cards accessible and straightforward to use for those on tight budgets and just entering the workforce. Plus, acquiring a credit card responsibly early on also inculcates good financial habits, building a positive credit history early on, and paving the way to qualify for bigger financial products like home loans more easily in the future.
| Credit Card | Eligibility | Annual Fee | Credit Limit | Key Benefits |
|---|---|---|---|---|
| DBS Live Fresh Student Card | Students of local universities and polytechnics, aged 18 to 27 | $196.20 (5 years waived) | $500 |
|
| Citi Clear Credit Card - Student | Students 18 years and above from local universities, polytechnics, and foreign schools | $30.52 (1st year waived) | $500 |
|
| Maybank eVibes Card | Students and NSFs in local tertiary institutions, aged 18 to 30 | $5.45 quarterly (first 2 years waived) | $500 |
|
Student Credit Cards vs Debit Cards: Which is Better?
Even if you don’t spend much as a student, having a card for online payments and as a back-up when cash runs out comes in handy in a pinch. While debit and student credit cards are both acceptable options, they work differently.
Debit cards pull funds directly from your bank account—instant but with no bill to remember. Student credit cards, however, let you borrow from the bank and repay later, so timely payment is crucial to avoid fees and interest. The advantage: fraudulent charges are easier to dispute and block on a credit card, whereas recovering money lost from a debit card scam can be much harder. Do weigh the pros and cons for yourself.
Debit cards pull funds directly from your bank account—instant but with no bill to remember. Student credit cards, however, let you borrow from the bank and repay later, so timely payment is crucial to avoid fees and interest. The advantage: fraudulent charges are easier to dispute and block on a credit card, whereas recovering money lost from a debit card scam can be much harder. Do weigh the pros and cons for yourself.
Looking Beyond Student Credit Cards?
Besides the usual debit cards, multi-currency cards like Youtrip, Instarem amaze, and Wise are viable alternatives for you to consider! Perfect for overseas trips too!
How to Apply for a Student Credit Card?
Thinking of starting your student credit card application? The application process and eligibility is straightforward, tailored for young adults with little to no income history. Here’s what you need to know before you apply for a student credit card.
Eligibility criteria
- Minimum age: From either 18 or 21 years old, with varying age caps
- Enrolment: Must be a full-time tertiary student at a recognised institution in Singapore
- Income: No minimum income required (unlike regular credit cards)
- Credit limit: Typically capped at S$500
Required documents
- NRIC (front and back) or valid student pass (for international students)
- Proof of enrolment (e.g., matriculation card or acceptance letter)
- If student is below 21 years old, usually needs:
- Front and back copy of Parent or Guardian’s NRIC
- Signature of Parent or Guardian on application form
Application process
- Check your eligibility. Ensure you’re at least 18 or 21 years old (depending on card requirement) and currently enrolled as an eligible student in a recognised Singapore tertiary institution.
- Prepare necessary documents such as NRIC and matriculation card/enrollment letter.
- Apply online via MoneySmart by clicking on your preferred card’s “Apply Now” button to submit your application through our secure portal. It’s one of the fastest and most convenient ways to get started.
- Wait for approval. Some credit card applications by banks may be instantaneous, while others may take between 5 to 7 working days. Once approved, your student credit card will be mailed to your registered address.
Ready to Begin? Start your Student Credit Card Journey Here.
FAQs About Student Credit Cards
Can I get a credit card as a student in Singapore?
Yes. Singapore banks issue student credit cards with no minimum annual income requirement. Instead, cards like the DBS Live Fresh Student Card have a S$500/month credit limit and are designed for full-time students aged 18–30 from approved local universities or polytechnics. PRs are typically eligible, but foreigners cannot apply for most student cards.
What is the best student credit card in Singapore for 2026?
- The Citi Clear Card - Student is strong for 1 ThankYou Point per dollar rewards point rebate, while the DBS Live Fresh Student Card is popular for its up to 10% cashback. So, choosing the “best” student credit card depends on your lifestyle and spending habits.
Do student credit cards have annual fees?
- Yes, student credit cards in Singapore tend to have annual fees but most waive annual fees for the first few years or entirely for students. For instance, the DBS Live Fresh Student Card waives its $196.20 annual fee for 5 years while the Citi Clear Card - Student waives its $30.52 annual fee for its 1st year. Always confirm with your card’s bank terms.
Which credit card is best for students in Singapore?
There's no single "best" student credit card—your top pick depends on how and where you spend most. The DBS Live Fresh Student Card is a favourite for daily essentials like fast food, coffee, movies, and streaming, with up to 5% cashback and a five-year fee waiver. All student cards have a $500/month credit limit and no minimum income requirement.