Notices

With effect from 31 July 2026: the Rewards Terms will be updated to introduce the new Singtel Cashback feature for the GXS Credit Card Rewards.

Key Changes:

• Section C (GXS Credit Card Rewards)
  
  • New definitions for "Eligible Singtel Transaction" and "Singtel Cashback" are added to Clause 2 (Definitions and Interpretation). An Eligible Singtel Transaction includes retail transactions classified under MCC 4814 across specific Singtel merchants.
    
  • A new Clause 5 (Singtel Cashback) is introduced to outline the earning mechanics for Singtel Cashback. You are eligible to receive Singtel Cashback calculated at 1.75% of the total Eligible Singtel Transaction amount charged during their monthly billing cycle.
    
    • There is no minimum spend required to earn the Singtel Cashback.
    • There is no cap on the amount of Singtel Cashback that a customer can earn each billing cycle.
    • The earned Singtel Cashback will be credited directly to your credit card account by the first day of the next billing cycle.
  • Clause 6 is revised to include that you may view Singtel Cashback in our mobile application.
    

View the revised Rewards Terms which will take effect from 31 July 2026 here: https://www.gxs.com.sg/rewards-terms

Updated as of 31 July 2026

With effect from 20 July 2026, the GXS Ecosystem Terms - Grab will be updated to introduce application and account integration capabilities for the GXS Credit Card within the Grab mobile application.

Key Changes:

• ‍Credit Card Application Integration: Eligible customers can apply for and open a GXS Credit Card account through embedded bank access points on the Grab app platform. Onboarding eligibility is subject to the bank’s credit assessment and standard regulatory guidelines.‍
• Automated Card Linking: Upon successful account opening and user authentication, your GXS Credit Card can be linked automatically as an active payment method within your personal Grab app profile.‍
• Account Link Security Restriction: For account protection, cardmembers may only link their GXS Credit Card as a payment method to a personal Grab account held in their own name. GXS Bank reserves the right to unlink the card credentials immediately if an attempt is made to connect the card to another individual's Grab profile.

View the updated terms and conditions which will take effect from 20 July 2026 here:

https://www.gxs.com.sg/grab-ecosystem-tncs

Updated as of 20 July 2026

With effect from 20 July 2026: the FlexiCredit Terms and Rewards Terms will be updated to introduce the GXS Credit Card and GXS Credit Card Rewards respectively.

(1) The GXS FlexiCredit Terms will be updated to introduce the terms and conditions governing the GXS Credit Card.

Key Changes:

• Section B (FlexiCredit Terms and Conditions)
  
  • A new clause B1.2(B) is introduced to set out that the Specific Terms for GXS Credit Card will be set out in Section D (GXS Credit Card).
  • Clause B1.2(b) is amended to incorporate references to GXS Credit Card Statement of Account and GXS Credit Card and FlexiPay Statement of Account. You may receive up to two periodic statements depending on accounts maintained: a GXS FlexiLoan Statement for personal loans, and/or a GXS Credit Card and FlexiPay Statement of Account for revolving balances.
  • Clause B(3) Account Closure and Termination is introduced to set out that any Specific Terms may be terminated only by terminating the Specific Terms for all the services and products which the Bank provides under the FlexiCredit Terms.
    

• Section C (GXS FlexiLoan)
  
  • Clause C4.4 is introduced in relation to the repayment date for existing GXS Credit Card customers who draw down their first loan under GXS FlexiLoan.
  • Clauses C2.2, C2.3 and C2.4 and C5.1 are amended to incorporate references to GXS Credit Card and FlexiPay Statement of Account.
  • Clause 3.2 and C5.1 are amended to incorporate references to GXS Credit Card and FlexiPay Late Fee.

• A new Section D (GXS Credit Card) setting out the terms and conditions governing GXS Credit Card will be introduced to the GXS FlexiLoan Terms. Card purchases will utilise your shared FlexiCredit limit pool, which serves as a single credit limit for both GXS FlexiLoan and GXS Credit Card.
  
  • Interest and Fees: No annual fees, overlimit fees, statement retrieval fees, or physical card replacement fees apply. Finance charges on unpaid balances will accrue daily at a rate of 29% p.a. and capitalize at the end of each calendar month.
• Fee Schedule for FlexiCredit Terms: A new Section for GXS Credit Card fees and charges is added to the Fee Schedule

View the revised FlexiCredit Terms which will take effect from 20 July 2026 here:

http://gxs.com.sg/flexicredit-terms

(2) A new Section C (GXS Credit Card Rewards) setting out the terms and conditions governing GXS Credit Card Rewards will be added to the GXS Bank Rewards Terms.

View the new Section C of the Rewards Terms which will take effect from 20 July 2026 here:

https://www.gxs.com.sg/rewards-terms

Updated as of 20 July 2026

With effect from 28 June 2026 onwards, the existing GXS FlexiLoan Terms will be restructured under the new FlexiCredit Terms. As part of this transition, your total approved credit limit will now be defined as “FlexiCredit”. This single credit limit is shared dynamically across all unsecured borrowing options, including your Instalment Loan, Balance Transfer, and FlexiPay.

Here is an overview of the new FlexiCredit Terms:

‍

In addition, an Overdue Interest Rate on FlexiPay will be introduced to encourage healthy financial habits:

Under FlexiCredit, the Normal Interest Rate for active FlexiPay balances remains unchanged at 26% p.a. However, if a minimum repayment amount is missed by the repayment date, an explicit Overdue Interest Rate of 29% p.a. will apply to the overdue principal amount from the day after your repayment date until the date full payment on the total overdue amount is received.

Head to the link below to view the revised terms and conditions which will take effect from 28 June 2026:

www.gxs.com.sg/flexicredit-terms-jun2026 

‍

Updated as of 28 May 2026

‍

With effect from 28 May 2026, GXS Bank will no longer offer complimentary insurance coverage associated with the Fullerton SGD Cash Fund (Share Class G).

Please note that insurance coverage associated with units of the Fullerton SGD Cash Fund (Share Class G) previously purchased through GXS Bank will also cease on this date. Accordingly, the terms governing your investments will be updated.

Head to the below link to view the revised terms and conditions which will take effect on 28 May 2026.

www.gxs.com.sg/invest-account-terms-28may2026

With effect from 2 April 2026, the terms will be renamed to ‘GXS-Dash Terms’.

From 2 April 2026, all references to Singtel have been removed or changed to SingCash Pte. Ltd.

Here are the new terms: https://www.gxs.com.sg/dash-tncs

‍

Updated as of 2 April 2026

‍

With effect from 2 April 2026, Clause B(2)5.3(a) of Section B(2) (GXS FlexiLoan – FlexiPay) of the GXS FlexiLoan Terms will be revised.

From 2 April 2026, for FlexiPay, normal interest at 26% p.a. will be charged immediately on both existing and new FlexiPay outstanding balances from the date of conversion, regardless of the repayment date.

Here are the new terms with effect from 2 April 2026:
GXS FlexiLoan Terms: www.gxs.com.sg/flexiloan-terms-2apr2026

‍

Updated as of 2 March 2026.

‍

‍

With effect from 31 March 2026, Clause B4.8 of Section B (Savings Account) of the Deposit Account Terms will be revised.

Under the updated terms, a Boost Pocket is generally intended to stay open until its maturity date. While you may still request an early closure in full, the bank is no longer obligated to grant this request automatically and the request would be subject to bank's approval and discretion.

Here are the new terms with effect from 31 March 2026:

Deposit Account Terms: https://www.gxs.com.sg/deposit-account-terms-31mar2026

Updated as of 21 May 2026

‍

‍With effect from 17 March 2026:

- The interest rate for Main Account will be adjusted from 1.08% p.a. to 0.88% p.a.

- The interest rate for Saving Pockets will be adjusted from 1.18% p.a. to 1.08% p.a.

The GXS Savings Account is insured up to S$100K by SDIC. T&Cs apply.

Updated as of 12 February 2026