ATM Limit
*Note: Singapore residential address users can withdraw cash overseas, however, they cannot withdraw cash within Singapore. Limits are under MAS Payment Services Act 2019 (applicable to Singapore residential address users only).
| Midnight Blue | Ruby Steel | Royal Indigo / Jade Green | Icy White / Rose Gold | Obsidian |
Free ATM limit per Month (overseas ATMs only – outside Singapore) |
S$200 |
S$400 |
S$800 |
S$1000 |
S$1000 |
ATM withdrawal limit (overseas ATMs only – outside Singapore) | Daily: S$500 Monthly: S$5,000 Yearly: S$10,000 | Daily: S$1,000 Monthly: S$10,000 Yearly: S$30,000 | Daily: S$2,000 Monthly: S$10,000 Yearly: S$30,000 | Daily: S$2,000 Monthly: S$10,000 Yearly: S$30,000 | Daily: S$2,000 Monthly: S$10,000 Yearly: S$30,000 |
ATM withdrawal frequency (overseas ATMs only – outside Singapore) | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 | Daily: 3 Monthly: 30 Yearly: 360 |
Top Up and Transfer Limit – All Card Tiers
| Limit |
Aggregated top-up limit | Daily: S$30,000 Monthly: S$30,000 Yearly: S$30,000 |
Aggregated top-up limit with Debit/Credit Card | Daily: S$30,000 Monthly: S$30,000 Yearly: S$30,000 |
Minimum top-up limit with Debit/Credit Card | S$20 |
Crypto to card transfer limit | Daily: S$30,000 Monthly: S$30,000 Yearly: S$30,000 |
Load Frequency – All Card Tiers
Daily limit: 3
Monthly limit: 30
Yearly limit: 360
*Please note that this is a total aggregated load frequency limit. For each top-up or transfer method, different load frequency limits may apply
All aggregated loading limits (and only them) reset on a rolling basis, while all other limits reset on a calendar basis.
The daily calendar limits reset at 00:00 SGT.
Monthly and Yearly calendar limits reset at 00:00 SGT on the first of each month/1st of January.
POS Purchase Limit - Including Overseas ATM Withdrawals (Outside Singapore; Includes All In-Store and Online Purchases)
| Midnight Blue | Ruby Steel | Royal Indigo / Jade Green | Icy White / Rose Gold | Obsidian |
POS purchase limit - including overseas ATM withdrawals (outside Singapore) |
Daily: S$10,000 Monthly: S$10,000 Yearly: S$30,000 |
Daily: S$30,000 Monthly: S$30,000 Yearly: S$30,000 |
Daily: S$30,000 Monthly: S$30,000 Yearly: S$30,000 |
Daily: S$30,000 Monthly: S$30,000 Yearly: S$30,000 |
Daily: S$30,000 Monthly: S$30,000 Yearly: S$30,000 |
Card Max Balance – All Card Tiers
S$5,000
Monthly CRO Rewards Limit
| Midnight Blue | Ruby Steel | Royal Indigo / Jade Green | Icy White / Rose Gold | Obsidian |
Monthly CRO Rewards Limit | - | $25 USD equiv. | $50 USD equiv. | - | - |
Note: The Monthly CRO Rewards Limit is applicable regardless of whether cardholders have a live lockup or not.
Fees
ATM Withdrawal: 2% on amounts above the monthly free ATM limit [ATM surcharge fees charged by ATM provider (if any) will be counted towards the ATM withdrawal limit]
Debit/Credit Card Top-Up:
Debit – 0%
Credit – 1%
Close Account: S$50
Card Replacement
Midnight Blue - S$45.01
Other Card Tiers - S$50
Card Upgrade: Waived
Physical Card Issuance: S$4.99 (for new and replacement Midnight Blue card only)
Inactivity: S$5 per month after 12 months of inactivity
Foreign Transaction: 0.5% on all purchases and ATM withdrawals that are not denominated in SGD, AUD, EUR, GBP, HKD, JPY, or USD for Midnight Blue, Ruby Steel, Royal Indigo, and Jade Green Cards (Effective 14 November 2022)