LifeSG is a strategic national project under Singapore’s Smart Nation Initiative. Its purpose is to make it easier for Singaporeans to find information about and use over 100 government services. The LifeSG mobile app has a handy “credit wallet” which displays many government benefits all in one place.
The credit wallet allows you to see, at a glance, the available balance for benefits you’re eligible for, including the different types of credits in this article. That said, the information about your government benefits shown in your app is personalised, so you may not see all of them if you’re not eligible for them.
For Singaporean Families With Children
#1 Child LifeSG Credits
Child LifeSG Credits are a one-off support for all families with Singapore Citizen children aged 0 to 12 years old in 2025, to help defray household expenses. $500 is given to every child born between 2013 and 2025.
They were disbursed to the eligible child’s Children Development Account (CDA) trustee via the LifeSG mobile app from 7 July 2025. Children born in 2025 should have received it from 8 April 2026. These expire one year after they were disbursed, with no extension to the validity period.
A new tranche of Child LifeSG Credits will be disbursed for Singapore Citizen children aged 0 to 12 years old in 2026. Once again, it’s $500 per child born between 2014 and 2026, with disbursement expected in July 2026. Children born in 2026 can expect to receive it in April 2027.
Read Also: 6 Ways For Singapore Parents To Maximise The Child Development Account (CDA)
#2 Large Family LifeSG Credits
Large families, officially defined as those with three or more children, will also receive additional support, including $1,000 in annual Large Family LifeSG Credits for those aged 1 to 6 years old.
These are for every third and subsequent Singapore Citizen child, and will be disbursed to the eligible child’s CDA trustee via the LifeSG mobile app. Those with children aged 1 to 6 years old in 2026 should have received the disbursement in April 2026.
Large Family LifeSG Credits expire one year after disbursement.
Read Also: Guide To All The Benefits For The Large Families Scheme
For NSMen
Those who have served National Service (NS) and are now Operationally Ready National Servicemen (NSmen) may be eligible for several awards designed to mark important milestones, as well as recognise your contributions.
#3 NS Celebratory Gifts
If you solemnise your marriage, welcome a newborn or adopt a child into your family, you may receive an NS Celebratory Gift of $100 LifeSG credits.
To be eligible, you must have attended at least 1 Operationally Ready National Service (ORNS) activity, such as an in-camp training (ICT), in the last 3 work-years, have not receive an “E” grading for in-camp training, have not been phased into MINDEF Reserve (MR) and have not committed any civil or military offences.
LifeSG credits will be automatically applied to marriages held and/or registered in Singapore and to children born locally. In cases of adoption, overseas marriages that are not registered locally, and overseas births, a manual application for the NS Celebratory Gift is required.
There is a one-year expiry for the NS Celebratory Gift credits.
#4 NS Excellence Award
The NS Excellence Award recognises good performance during ICT, NS training courses, or being recipients of the National Day Award, SAF NSmen of the Year Award, and Formation NSmen of the Year Award.
National Day Award and SAF/Formation NSmen of the Year Award recipients will get $200 in LifeSG credits. The top 10% of performers during ICT and training courses will get $200 in LifeSG credits, while the next 20% of performers during ICT and training courses get $100 in LifeSG credits.
There is a one-year expiry for the NS Excellence Award credits.
#5 NS HOME Awards
The National Service Housing, Medical and Education (NS HOME) Awards are disbursed at various stages of your ORNS journey. Some of these awards are in the form of LifeSG credits.
The first milestone is the completion of full-time NS, for which you will receive $1,000 in LifeSG credits. Subsequently, you will receive $500 LifeSG credits for completing a number of ICT activities, and a final $500 LifeSG credits for completing your ORNS training cycle.
You will not be eligible to receive NS HOME Awards if you have outstanding IPPT offences (such as not reporting for Summary Trial or having unpaid fines).
Read Also: IPPT; Marksmanship; NS HOME Award & Other Benefits: Guide To Financial Benefits For NSmen
How To Use LifeSG Credits
LifeSG Credits can be used by scanning PayNow UEN of NETS QR codes at physical and online merchants. There are a growing number of ways to use LifeSG credits, including ShopeePay, the digital payment wallet within Shopee.
This year, ShopeePay is once again giving extra vouchers when users top up their ShopeePay wallets using their LifeSG Credits. $70 worth of vouchers can be used in-store at 50,000 merchants, while $30 worth of vouchers can be used online at all Shopee merchants. To be eligible, the top-up needs to be completed before 31 May 2026.
Read Also: Guide To Redeeming And Using Your LifeSG Credits
For all Singapore Citizens
#6 SG Culture Pass
The $100 one-off SG Culture Pass credits were disbursed on 1 September 2025. While the LifeSG mobile app does display how much of your SG Culture Pass credits are still available, you have to log into the SG Culture Pass website with your SingPass to use them as they are not LifeSG credits.
Read Also: Guide To Redeeming Your $100 SG Culture Pass Credits And Where To Spend Them
#7 SkillsFuture Credit
Every Singapore Citizen aged 25 and above will receive an opening credit of $500. These do not expire. There was also a one-off SkillsFuture Credit top-up of $500, but these expired on 31 December 2025.
Singapore Citizens aged 40 and above will receive a $4,000 SkillsFuture Credit (Mid-Career). These also do not expire.
While the LifeSG mobile app displays how much of your SkillsFuture Credit are still available, they are not LifeSG credits. You use them at the point of course registration by informing your Training Provider.
Read Also: Turned 40 And Received Your Mid-Career SkillsFuture Credit: Here’s Why You Shouldn’t Rush To Use It
