Age: 21 and above
Annual Income
- S$30,000 for Singapore Citizens or Singapore Permanent Residents
- S$45,000 for Malaysia Citizens, in employment for at least 1 year
- S$60,000 for other nationalities, in employment for at least 1 year
Application Documents
Full-time Employee
- Photocopy of NRIC (front and back) AND
- Either of your:
- Latest 12 months of CPF contribution history¹
- Latest computerised payslip
- Latest Income Tax Notice of Assessment² AND Latest 12 months' CPF contribution history OR Latest computerised payslip
Self-Employed / Full-Commission Earner
- Photocopy of NRIC (front and back)
- Latest 2 years’ Income Tax Notice of Assessment²
Commission / Variable Income Earner
- Photocopy of NRIC (front and back)
- Either of your:
- Latest 12 months of CPF contribution history¹
- Latest 3 months of computerised payslip
- Latest Income Tax Notice of Assessment² AND Latest 12 months' CPF contribution history OR Latest computerised payslip
Additional documents for foreigners
- Valid passport
- Employment Pass with at least 6 months validity
- Utilities bill or bank statement with residential address
- Company letter stating proof of employment of at least 1 year
¹ You can print your latest 12 months CPF Contribution History Statement using your SingPass via https://www.cpf.gov.sg/members. If your monthly income exceeds S$6,000, submit your latest Income Tax Notice of Assessment or computerised payslip instead, for proper maximum credit limit calculations.
²You can print your Income Tax Notice of Assessment at myTax Portal using your SingPass or IRAS PIN at https://mytax.iras.gov.sg.
Please allow 14 business days for processing, and application is subject to approval. Note that incomplete forms or missing documents will delay processing.