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 POSB'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 have also applied for a permanent increase

Instantly if you use Singpass or salary crediting as income proof. Otherwise, it takes 5 business days. Once approved, the permanent credit limit increase will override and replace the temporary credit limit increase.

Can I reduce my credit limit?

Yes, you may reduce your credit limit via digibank Credit Limit Review feature. Please note that if you wish to increase your credit limit again in the future, you will have to submit a new application along with the necessary income documents. Alternatively, you can manage your spending without changing your credit limit by using Payment Control on digibank app. This allows you to set a Preferred Monthly Spend Limit for your main and supplementary cards. 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 .

Unlock your financial flexibility with Credit Card Limit Review

Overview

Benefits

How it works

Required Documents

FAQ

Why increase your credit limit?

Greater Financial Flexibility

Access additional credit limit for travel, shopping, or unforeseen expenses.

Seamless & Secured Process

Apply conveniently via DBS/POSB digibank using Myinfo with Singpass

Better Spend Management

Adjust your credit limit to better manage large or planned expenses

How It Works

digibank mobile digibank online

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

Manage CardsTap on More and under Manage Cards & Loans select Credit Card Limit Review/Cashline Limit Review.

Preferred Credit LimitEnter your Preferred Credit Limit.

Proof of IncomeUnder Proof of income, select Retrieve Myinfo with Singpass.

ReviewReview your application details and tap Submit.

Who is this for?

Planned Spending Needs

When you have upcoming large expenses and need more flexibility in your credit limit

Income Growth

If your income has increased and your current credit limit no longer reflects your financial situation

Regular Review

Adjust your credit limit from time to time to stay in control

SINGAPORE CITIZENS & PRs

Required documents for Salaried Employees

For applications via Myinfo with Singpass, no documents are required. Otherwise, provide either Option A or Option B below.

Option A	Salary Crediting into DBS/POSB Account^1,2
Option B	Latest Computerised Payslip¹ Latest Income Tax Notice of Assessment
Note:	¹Income record / documents must not be dated more than 3 months prior to date of application. ²Your 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.

SINGAPORE CITIZENS & PRs

Required documents for Variable Commission-based Employees/ Self-Employed

Latest Income Tax Notice of Assessment

2 years

Singapore Citizens & PRs

Optional income documents (Age 56 and above)

CPF Monthly payouts history statement or Personal bank statement in SGD showing CPF Life payout	1 month
Annual personal bank statement in SGD showing dividend or interest income	1 year
Personal Bank statement in SGD showing pension payout	3 months
CPF Transaction History showing Retirement Sum Scheme (RSS) payout and RSS Balance	1 year

Foreigners

Required documents for Salaried Employees

Employment Pass	Minimum 6 months validity remaining.
Company letter certifying Employment & Salary (in Singapore dollar currency)	Issued within 3 months of the application date.
Computerised Payslip¹	Latest computerised payslip.
Income Tax Notice of Assessment	Latest Income Tax Notice of Assessment.
Note:	¹Income documents must not be dated more than 3 months prior to the application date.

Annual Income	Credit Limit
S$30,000 to S$120,000	Up to 4X monthly income
>S$120,000	Up to 10X monthly income

Unlock your financial flexibility with Credit Card Limit Review

Why increase your credit limit?

Greater Financial Flexibility

Seamless & Secured Process

Better Spend Management

How It Works

Who is this for?

Required documents for Salaried Employees

Option A

Option B

Note:

Required documents for Variable Commission-based Employees/ Self-Employed

Latest Income Tax Notice of Assessment

Optional income documents (Age 56 and above)

CPF Monthly payouts history statement or Personal bank statement in SGD showing CPF Life payout

Annual personal bank statement in SGD showing dividend or interest income

Personal Bank statement in SGD showing pension payout

CPF Transaction History showing Retirement Sum Scheme (RSS) payout and RSS Balance

Required documents for Salaried Employees

Employment Pass

Company letter certifying Employment & Salary (in Singapore dollar currency)

Computerised Payslip1

Income Tax Notice of Assessment

Note:

Frequently Asked Questions

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Computerised Payslip¹