Best Student Credit Cards Singapore 2026
Start building your credit history with Singapore's best student credit cards. No income requirements, low fees, and excellent rewards for students and young professionals.
Student Focus: Cards designed specifically for students, young professionals, and those starting their credit journey with flexible requirements.
Top Student Credit Cards Comparison
| Card | Annual Fee | Income Requirement | Age Limit | Best Rewards |
|---|---|---|---|---|
DBS Live Fresh Student Specialist | S$0 | None (Students) | Under 26 | 5% Dining |
OCBC Frank Card Youth Card | S$0 | None (Students) | 18-26 | 6% Online |
UOB Yolo Card Lifestyle Focus | S$60 | S$20,000 | 21-35 | 10% Lifestyle |
Citi SMRT Card Transport Focus | S$0 | S$20,000 | No limit | 3% Transport |
Standard Chartered JumpStart Beginner Friendly | S$0 | S$20,000 | No limit | 1.5% All |
🎓 Best Student Card
DBS Live Fresh Card
No annual fee, no income requirement, 5% dining cashback
Detailed Student Credit Card Reviews
DBS Live Fresh Card
Best Overall Student Card
Student Benefits
- • No annual fee (permanently waived)
- • No income requirement for students
- • 5% cashback on dining (S$300 cap)
- • 5% cashback on online shopping (S$300 cap)
- • 1% cashback on all other spending
- • Student-friendly application process
Requirements & Details
- • Age: Under 26 years old
- • Student status required
- • Singapore citizen or PR
- • Credit limit: S$500 - S$2,000
- • Interest rate: 25.9% p.a.
- • Minimum payment: 3% or S$50
Why Choose This Card
Perfect first credit card for students. No fees, excellent dining rewards, and helps build credit history. Ideal for university students and young professionals starting their financial journey.
OCBC Frank Card
Best for Online Shopping
Youth Benefits
- • No annual fee for students
- • 6% cashback on online shopping
- • 3% cashback on dining
- • S$80 monthly cashback cap
- • Mobile-first banking experience
- • Instant card approval
Requirements & Details
- • Age: 18-26 years old
- • Student or young professional
- • Singapore citizen or PR
- • Credit limit: S$500 - S$3,000
- • Digital-first application
- • No physical branch visit required
Why Choose This Card
Excellent for young adults who shop frequently online. The 6% online cashback is among the highest in Singapore, making it perfect for e-commerce enthusiasts and digital natives.
UOB Yolo Card
Best for Lifestyle Spending
Lifestyle Benefits
- • 10% cashback on lifestyle (rotating categories)
- • Categories: Grab, Netflix, Spotify, etc.
- • S$50 monthly cashback cap
- • Young professional focused
- • Mobile app integration
- • Contactless payment features
Requirements & Details
- • Age: 21-35 years old
- • Minimum income: S$20,000
- • Annual fee: S$60 (waived first year)
- • Credit limit: S$2,000 - S$10,000
- • Interest rate: 25.9% p.a.
- • Graduate income acceptable
Why Choose This Card
Great for young professionals who use digital services like Grab, Netflix, and Spotify frequently. The rotating 10% categories provide excellent value for modern lifestyle spending.
Citi SMRT Card
Best for Transport
Transport Benefits
- • 3% cashback on transport (MRT, bus, taxi)
- • 1% cashback on all other spending
- • No cashback cap on transport
- • Includes Grab and Gojek
- • EZ-Link card integration
- • No annual fee permanently
Requirements & Details
- • Age: 21 years and above
- • Minimum income: S$20,000
- • Singapore citizen or PR
- • Credit limit: S$2,000 - S$15,000
- • Interest rate: 25.9% p.a.
- • Student income acceptable
Why Choose This Card
Ideal for students and young professionals who rely heavily on public transport and ride-hailing. The unlimited 3% transport cashback provides consistent savings on daily commutes.
Student Credit Card Application Guide
Required Documents
- • NRIC (Singapore citizens/PRs)
- • Student card or enrollment letter
- • University/polytechnic enrollment proof
- • Recent passport-sized photo
- • Bank statements (if available)
- • Income proof (for working students)
- • Parent/guardian consent (if under 21)
Eligibility Requirements
- • Age: 18+ years (varies by card)
- • Full-time student status
- • Singapore citizen or PR
- • Clean credit history (if any)
- • Valid Singapore address
- • Local educational institution enrollment
- • No outstanding debts or bankruptcies
Building Credit History as a Student
✓ Good Practices
- • Always pay on time
- • Keep utilization below 30%
- • Pay full balance monthly
- • Monitor credit report regularly
- • Start with one card
- • Set up autopay for minimum
- • Use card regularly but responsibly
âš Be Careful
- • Don't max out your card
- • Avoid cash advances
- • Don't apply for multiple cards quickly
- • Be cautious with promotional offers
- • Read terms and conditions
- • Understand interest rates
- • Don't lend card to friends
✗ Avoid
- • Late payments
- • Minimum-only payments
- • Overspending beyond means
- • Using card for gambling
- • Ignoring billing statements
- • Closing first credit card
- • Missing payment due dates
Popular Choices by Student Type
University Students
Best Options:
- • DBS Live Fresh (dining focus)
- • OCBC Frank (online shopping)
- • Citi SMRT (transport savings)
Polytechnic Students
Best Options:
- • DBS Live Fresh (no income required)
- • OCBC Frank (digital-first)
- • Standard Chartered JumpStart
ITE Students
Best Options:
- • DBS Live Fresh (age limit under 26)
- • OCBC Frank (flexible requirements)
- • Citi SMRT (transport focus)
Working Students
Best Options:
- • UOB Yolo (lifestyle benefits)
- • DBS Live Fresh (no fees)
- • Citi SMRT (transport savings)
Graduate Students
Best Options:
- • UOB Yolo (higher limits)
- • Standard Chartered JumpStart
- • DBS Live Fresh (if under 26)
International Students
Best Options:
- • Check PR/citizenship requirements
- • Consider secured credit cards
- • Build relationship with major banks
Expert Tips for Student Credit Cards
Smart Usage
- • Treat it like a debit card - only spend what you have
- • Set up automatic full balance payments
- • Use for regular expenses like meals and transport
- • Track spending with mobile banking apps
Building Credit
- • Start building credit history early
- • Keep first card open even after graduation
- • Graduate to premium cards over time
- • Monitor credit score regularly
Ready to Get Your First Credit Card?
Start building your credit history with Singapore's best student credit cards designed for young adults.