Credit card limit calculator for Singapore
Run a credit card limit decision for one applicant or cardholder in Singapore. The calculator compares card behaviour, income after other debt payments and Singapore’s rules, then names the lowest limit.
Credit limit
The limit is S$24,000, set by rules in Singapore (MAS). Behaviour gives S$30,000, income carries S$32,000, and the market’s rules allow S$24,000, which reflects an income cap in some markets and a repayment test in others.
High utilisation with enough statements paid in full earns the large increase.
Candidate limits
The lowest candidate is the limit, and a candidate with no cap has no bar.
Market rules for this person
| Rule | Cap for person | Applies |
|---|---|---|
| Annual income below S$30,000 does not qualify for a card. | No | |
| For annual income from S$30,000 to below S$120,000, the limit is up to 4 months’ income with one institution. | S$24,000 | Yes |
| From S$120,000 of annual income, there is no regulatory cap. | No | |
| Once unsecured debt owed is more than 6 times monthly income, no increase or new card may take all unsecured limits above 12 times monthly income, and limits already given are kept. | No |
These summaries cover each regulator’s rule for this tool and do not reproduce the full text. The issuer checks the current text. The lowest applicable cap is the market’s cap.
Behaviour decision table
| Months on book | Missed payments | Utilisation | Paid in full | Limit action |
|---|---|---|---|---|
| <6 | ANY | ANY | ANY | Hold limit |
| >=6 | >=2 | ANY | ANY | Cut by 50% |
| >=6 | 1 | ANY | ANY | Hold limit |
| >=6 | 0 | >=70% | >=50% | Raise by 50% |
| >=6 | 0 | >=70% | <50% | Hold limit |
| >=6 | 0 | >=30% | ANY | Raise by 25% |
| >=6 | 0 | <30% | ANY | Hold limit |
Rows paste as decision table cells, and the first matching row wins.
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Run these limit rules inside the credit decision for every application and cardholder, read limits held elsewhere from the bureau at that moment, and test threshold changes on past decisions before they go live. Start free
Show formulas
Behaviour limit, New applicant = Starting income multiple × Monthly net income Behaviour limit, Cardholder = Today’s limit × (1 + Large increase | Small increase) or × (1 − Cut after missed payments) Affordability limit = (Income share for all debt payments × Monthly net income − Other debt payments) ÷ Card payment share of limit Own income cap = Own income cap × Monthly net income Market = Lowest applicable market cap Credit limit = min(Behaviour limit, Affordability limit, Own income cap, Market), Rounded down Rounding step
The affordability limit assumes the card is fully drawn, and the behaviour rules are an example policy to edit, not a standard. Regulatory caps are summaries for this tool and are not legal advice.
How credit card limits are set in Singapore
For a person under 55 with annual income from S$30,000 to below S$120,000, MAS allows unsecured credit with one financial institution up to four months’ income. At S$120,000 or more, there is no regulatory limit, and below S$30,000 the person does not qualify for a card. The calculator shows the applicable MAS rule beside the affordability limit. Check MAS’s current text before using it.
The result is the lowest of the candidate limits, and which one binds depends on the applicant’s or cardholder’s figures. Use it to review one case and edit the example behaviour policy.
Singapore credit card limit questions
How does a credit card limit calculator work in Singapore?
The calculator compares the behaviour limit, affordability limit, the lender’s own income cap and the applicable Singapore rules. It gives the lowest limit and names which one sets it.
What is the MAS credit card limit at four months’ income in Singapore?
For a person under 55 with annual income from S$30,000 to below S$120,000, MAS allows unsecured credit with one financial institution up to four months’ income. The calculator shows the applicable amount as a candidate limit.
What income do you need for a credit card in Singapore?
Under the stated MAS rule, a person under 55 with annual income below S$30,000 does not qualify for a card. From S$30,000 to below S$120,000, unsecured credit with one financial institution is limited to four months’ income.
How does Singapore’s 12-times unsecured credit limit rule work?
Once unsecured debt owed is more than 6 times monthly income, no increase or new facility may take total unsecured limits above 12 times monthly income. Existing limits are kept.
How is a credit limit increase assessed in Singapore?
The calculator compares the behaviour limit, affordability limit, the lender’s own income cap and Singapore’s applicable rules. When unsecured debt owed is more than 6 times monthly income, MAS does not allow an increase to take total unsecured limits above 12 times monthly income.