Skills development is no longer optional — it’s a necessity. With constant changes in technology and the job market, upgrading your skills helps you stay competitive and open new opportunities. The SkillsFuture Credit is an official initiative that gives every eligible Singaporean credits to pay for approved courses. This programme is flexible, transparent, and designed for long-term benefits. In this guide, we’ll break down who qualifies, how to apply, and how you can make the most of your credits.
📋 Who is Eligible?
Every Singaporean aged 25 and above automatically receives an opening credit in their SkillsFuture account.
- 💳 Opening Credit: SGD 500 (one-time, when turning 25)
- 🔄 Top-Ups: From time to time, the government provides additional credits for mid-career workers.
Example Table of Credits
| Age Group | Initial Credit | Extra Top-Ups* |
|---|---|---|
| 25+ (all citizens) | SGD 500 | Varies (e.g. SGD 500 for mid-career) |
*Top-ups depend on government policy updates.
📝 What Courses Can You Use It For?
Your credits can be used only on approved courses listed in the official SkillsFuture portal.
- 📚 Short courses (IT, languages, healthcare, design, business)
- 🎓 Diploma and degree modules
- 🏫 Workforce skills qualifications (WSQ)
- 🛠 Industry-specific training (engineering, finance, media, etc.)
💡 Tip: Always search directly on MySkillsFuture.gov.sg to see the latest approved courses.
🖥️ How to Apply Step by Step
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Go to 👉 MySkillsFuture.gov.sg
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Log in using Singpass
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Browse the course directory
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Select a course and choose “Pay using SkillsFuture Credit”
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Confirm and track your application status online
✅ No physical forms are required. Everything is digital and user-friendly.
💡 Tips to Maximise Your Credits
- Choose in-demand skills: IT, AI, data analysis, healthcare.
- Combine courses: Example → “Excel Basics” + “Data Analytics” → stronger CV.
- Watch deadlines: Credits may have an expiry date depending on top-up type.
- Use partial payment: You can pay part with credits and part out-of-pocket.
📊 Example of Popular Course Categories
| Category | Example Courses | Why It Helps You |
|---|---|---|
| Technology | Data Analytics, Cybersecurity, AI | Stay relevant in digital economy |
| Business & Finance | Accounting, Marketing, Project Mgmt | Career growth & promotions |
| Healthcare | Nursing Support, First Aid, Elderly Care | Expanding healthcare sector |
| Languages | Mandarin, Japanese, Business English | Boosts global opportunities |
🔍 Official Course Directory
Find all courses, check your balance, and apply instantly through the official site.