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Get ready for life with GXS FlexiCard
A no-interest credit card with unlimited instant rewards and no minimum income requirement.
Unlimited instant cashback.
No foreign transaction fees.
Flexible
repayments.
Zero interest.
Do more
for the planet.
Let's break it down for you
We understand life can be unpredictable. Choose to pay in full or pay partially with a S$5 Flexi fee every month, with no interest charged.
Pay in full
Make a full payment for the entire amount due.
Amount due: S$500
Amount brought forward
Fees
Pay partially
Make a minimum payment from S$15, with a S$5 Flexi fee, and bring forward your outstanding balance to the next month.
Amount due: S$500
Amount brought forward
Fees
Pay partially below $15
Pay $10 towards your $500 due, carrying forward $490 with a $50 late fee for not meeting the minimum payment.
Due amount S$500
Amount brought forward
Fees
Some useful tips
Tight on funds this month? You can make a partial payment from as low as S$15 and carry your balance forward to the next month, with just a S$5 fee. No interest will be charged!
If your amount due is less than S$15, pay in full to avoid a S$50 late fee.
Eligibility and fees
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S$5 Flexi Fee is charged if you only make a minimum payment.
S$50 Late Fee will only apply if the minimum payment is not met.
1. Your billed outstanding amount due:
- If total billed outstanding amount is less than S$15 minimum payment will be the same amount.
- If more than or equal to S$15 minimum payment amount will be S$15.
Once the above is calculated, the below charges will be added to form the total minimum payment:
2. Overdue principal (if any)
3. Fees accrued eg. Flexi fee, late fee, annual fee (if any)
4. Overlimit amount (if any)
READY?
Download the GXS Bank app now.
Got questions?
We got answers.
What is a GXS FlexiCard?
GXS FlexiCard is an interest-free, fee-based credit card with a S$500 credit limit.
Apply within minutes and choose your payment due date all within the GXS Bank app. Make a minimum monthly payment from as low as S$15 and extend your outstanding balance to the following month for just a S$5 flexi fee!
What documents do I need to apply for a GXS FlexiCard?
The GXS FlexiCard application process is hassle-free and does not require you to upload any documents! Just ensure your Singpass Myinfo is up to date and we'll take care of the rest.
How long does it take for my GXS FlexiCard application to be approved?
If you are eligible for a GXS FlexiCard, it shouldn't take more than 3 minutes for your application to be approved!
Can I choose not to pay in full each month?
Choose to pay in full each month, or just make a minimum payment from as low as S$15 and be charged a S$5 Flexi fee for the month. A S$50 late fee will only apply if the minimum payment is not met.
What are the fees I need to pay for my GXS FlexiCard?
Here are the three fees associated with GXS FlexiCard:
1. Annual fee
2. Flexi fee
3. Late fee
Annual fee of S$54.50 (inclusive of prevailing GST) will be incurred on each anniversary of your GXS FlexiCard. For example, if you successfully applied for a GXS FlexiCard on 1 January 2025, the first annual fee of S$54.50 will be charged on 1 January 2026. And for all subsequent annual fees, you will be charged on 1 January of the following years.
Flexi fee of S$5 will be incurred for each billing cycle where you only make a minimum payment for your FlexiCard on/before payment date, but did not make full payment.
Late fee of S$50 will be incurred for each billing cycle where we do not receive at least minimum payment on your GXS FlexiCard by the payment due date.
How is minimum payment calculated for GXS FlexiCard?
Calculation of minimum payment for your GXS FlexiCard first takes into consideration:
1. Your billed outstanding amount due:
- If total billed outstanding amount is less than S$15 - minimum payment will be the same amount.
- If more than or equal to S$15 - minimum payment amount will be S$15.
Once the above is calculated, the below charges (if any) will be added to form the total minimum payment:
2. Overdue principal (if any)
3. Fees accrued eg. flexi fee, late fee, annual fee (if any)
4. Overlimit amount (if any)
Homegrown bank, backed by homegrown parents
GXS holds a bank license issued by the Monetary Authority of Singapore.
It is backed by a consortium consisting of Grab Holdings Inc., Southeast Asia’s leading super app and Singtel, Asia’s leading communications technology group.
GXS is a separate entity and is not associated with Grab Holdings, Singtel and their entities. The GXS Savings Account is provided by GXS.
