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Credit Cards with High Limits in Singapore

Top 10 Credit Cards with High Limits in Singapore

Credit cards with high limits offer users greater financial flexibility and purchasing power. In Singapore, where financial stability is paramount, many individuals seek credit cards with generous credit limits. This article explores the top 10 credit cards with high limits available in Singapore, highlighting their features, benefits, and eligibility criteria. Whether you’re a frequent traveler, a shopaholic, or a business professional, these credit cards can provide you with the spending power you desire. 

Let’s dive into the details and discover the best credit card options in Singapore for high credit limits.

  1. American Express Platinum Credit Card 

The American Express Platinum Credit Card is renowned for its exceptional benefits and high credit limit offerings. With this card, users can enjoy a credit limit of up to four times their monthly income, subject to approval. The card’s annual fee is $321, but it comes with a wide range of perks, such as complimentary airport lounge access, exclusive dining privileges, travel insurance coverage, and 24/7 global assistance.

On top of that cardholders earn Membership Rewards points for their spending, which can be redeemed for various rewards, including flights and hotel stays. To be eligible for this credit card, individuals must have a minimum annual income of $80,000 for Singapore citizens and permanent residents or $150,000 for foreigners.

2. Citibank Prestige Card

The Citibank Prestige Card is another excellent option for those seeking a credit card with a high limit in Singapore. This card provides a credit limit of up to four times the cardholder’s monthly income, subject to approval. It comes with a range of exclusive benefits, such as complimentary hotel nights, airport lounge access, golf privileges, and concierge services. 

Cardholders can also earn reward points that can be redeemed for a variety of lifestyle and travel rewards. The annual fee for the Citibank Prestige Card is $535. To qualify for this credit card, individuals must have a minimum annual income of $120,000.

3. Standard Chartered Visa Infinite Credit Card 

The Standard Chartered Visa Infinite Credit Card offers a high credit limit of up to four times the cardholder’s monthly income, subject to approval. This card is designed for frequent travelers, providing a range of travel benefits such as complimentary airport lounge access, travel insurance coverage, and discounts on luxury hotels. 

Cardholders also earn reward points for their spending, which can be redeemed for flights, hotel stays, and more. The annual fee for this card is $588, but it is waived for the first year. To be eligible for the Standard Chartered Visa Infinite Credit Card, individuals must have a minimum annual income of $150,000.

4. OCBC Voyage Card 

The OCBC Voyage Card is a prestigious credit card that provides a high credit limit and a range of travel benefits. With a credit limit of up to six times your monthly income, this card offers exceptional spending power. 

Cardholders enjoy exclusive perks, including airport lounge access, discounted limousine transfers, and complimentary travel insurance. The card also offers rewards points for all purchases, which can be redeemed for flights, hotel stays, or shopping vouchers.

5. HSBC Premier Mastercard Credit Card 

The HSBC Premier Mastercard Credit Card is designed for affluent individuals seeking a credit card with a high limit in Singapore. It offers a credit limit of up to four times the cardholder’s monthly income, subject to approval.

 Cardholders can enjoy a range of benefits, including airport lounge access, travel insurance coverage, golf privileges, and dining offers. The annual fee for this card is $488. To be eligible, individuals must have an HSBC Premier account and meet the minimum income requirements.

6. UOB Reserve Card 

The UOB Reserve Card is an exclusive credit card that provides a high credit limit to eligible individuals. The exact credit limit is not publicly disclosed, but it is known to be generous.

 Cardholders can enjoy a range of privileges, including airport lounge access, hotel and dining discounts, and personalized concierge services. The annual fee for the UOB Reserve Card is $1,605. To qualify, individuals must have a minimum annual income of $500,000 or a minimum fixed deposit placement of $1 million with UOB.

7. DBS Insignia Visa Infinite Card 

The DBS Insignia Visa Infinite Card is a prestigious credit card that offers a high credit limit to its affluent cardholders. The exact credit limit is not publicly disclosed, but it is known to be substantial. 

Cardholders can enjoy a wide array of exclusive benefits, including airport lounge access, golf privileges, complimentary travel insurance, and personalized concierge services. The annual fee for this card is $3,210. To be eligible, individuals must have a minimum annual income of $500,000 or a minimum fixed deposit placement of $1.2 million with DBS.

Best Credit Cards with Lounge Access Singapore (2023)

8. Maybank Visa Infinite Card 

The Maybank Visa Infinite Card is a premium credit card that provides a high credit limit to qualified individuals. The exact credit limit is subject to approval but is known to be generous. 

Cardholders can enjoy a range of benefits, including airport lounge access, travel insurance coverage, golf privileges, and dining offers. The annual fee for this card is $600. To be eligible, individuals must have a minimum annual income of $150,000.

9. CIMB Visa Infinite Card 

The CIMB Visa Infinite Card is a credit card that offers a high credit limit to eligible individuals. The exact credit limit is subject to approval. 

In this cardholders can enjoy a range of benefits, including airport lounge access, golf privileges, and dining offers. The annual fee for this card is $488. To be eligible, individuals must have a minimum annual income of $120,000.

10. BOC Elite Miles World Mastercard 

The BOC Elite Miles World Mastercard is a credit card that provides a high credit limit to qualified individuals. The exact credit limit is subject to approval. 

Cardholders can earn air miles for their spending, which can be redeemed for flights and other travel-related expenses. The annual fee for this card is $190. To be eligible, individuals must have a minimum annual income of $30,000.

Wrapping Up

These top 10 credit cards in Singapore offer high credit limits and a range of exclusive benefits to cater to the diverse needs of individuals. Whether you’re a frequent traveler, a luxury lifestyle enthusiast, or simply seeking greater financial flexibility, these credit cards can provide you with the spending power you desire. 

However, it’s important to note that the credit limit offered by each card is subject to approval based on factors such as income, credit history, and the bank’s discretion. It’s advisable to carefully review the terms and conditions of each credit card and assess your financial situation before making a decision.

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