Is it better to sign up for credit cards online or at the banks itself? - Seedly
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MileLion

Credit Cards

Anonymous

Asked 2w ago

Is it better to sign up for credit cards online or at the banks itself?

Should you signup online or in real life? Which one and why?

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JJ
JJ
Level 3. Wonderkid
Answered 2w ago

I'm assuming you are asking between signing up online or physically at the branch:

Would certainly recommend signing up online (given current covid situation) + it is a more straight through process (if you use MyInfo). Otherwise, you may need to prepare all documents required to proof your identity and income if you go to the bank (think CPF statements and payslip)

Also, do look out for promotions offered by aggregators like singsaver before you apply directly from the bank: https://blog.seedly.sg/best-credit-card-promotion-singapore/​​​

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Justin Kieran Ong
Justin Kieran Ong
Level 4. Prodigy
Answered 2w ago

To my knowledge there is no difference other than the customer service / experience.

So far, my experience with dbs for online has been fine. Got my card within 2 weeks of submitting the documents/cpf.

For uob, I recommend going to the branch as their system could not issue me my card. Even at the branch, they could not find any records of my online application.

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There is no best way to sign up for a credit card. It all depends on you and the card itself. Moreover, some cards have promotional cash back / free gift for online sign-up. Hence, it may be worth looking into.

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Lok Yang Teng
Lok Yang Teng
Level 8. Wizard
Answered 2w ago

Online:

  1. Can use promo/referral codes

  2. Stay safe at home, no need to queue at branches

  3. Easy sign-up using SingPass

Bank:

  1. Physical person to help you through the process (Good if youre not IT savvy)

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