Long-press any card to add it to a Stack.
Pre-qualification uses only what Arta already knows — no credit pull until you submit. Paid in full monthly · Portfolio-secured · No revolving balance · S$150 annual fee* *illustrative for this exercise
Most of the work
is already done.
You're an Arta member, so we'll reuse information we've verified — and only ask for what's specific to this card.
Identity · contact · tax residence — prefilled from your Arta profile.
Income and any information still needed.
Eligible assets · recommended limit · settlement.
Key terms · declarations — read once, decide clearly.
Most applications take about 3 minutes. Additional verification may take longer.
Still correct?
Pulled from your verified Arta profile.
Singapore 089601
Editing an address or tax residence may require a quick re-verification — retrieving it again with Singpass takes about 30 seconds. Either way, it won't stop this application.
How do you earn today?
Where do you work?
Annual income
Before tax, in S$. An estimate is okay — we'll tell you if we need evidence.
Income forms part of the application assessment. Your eligible Arta assets may also support your available limit. It never appears on your member profile.
Choose the eligible assets that support your card
These assets remain invested while they support your card, subject to the security terms.
Choose how your monthly balance is paid
This is a charge card: your statement balance is due in full each month.
Your investments aren't used for routine monthly settlement — exact terms are defined in the Security Agreement. Illustrative wording for this exercise.
Read once,
then decide.
Making the decision…
Usually under a minute. We'll never leave you guessing.
Welcome to Arta Card.
•••• 4821Confirmed in writing, in your Documents vault.
One thing left to verify.
A specialist is checking your declared income. Process — not judgment.
We'll come to you the moment it's decided.
Investments, cash and access — unchanged.
Two documents for Nimbus Labs.
Part of your pledge sits in your company — verifying the entity unlocks it. Your application is saved either way.
Start at S$40,000 today.
The rest follows the fund.
Private assets join at their next official valuation. Nothing is declined — the limit follows the eligible collateral.
No action needed on your side — we track the fund calendar and notify you if the limit steps up.
Not this time.
It came down to collateral eligibility — not your standing as a member.
Only the lending team sees this decision.
Investments, cash and access — as they were.
Statement closed Jul 30 · Payment due Aug 8 · Limit S$25,000
Long-press the card for freeze & details.
Both of this month's bills clear from Cash — if they're sequenced.
Statement S$8,420 due Aug 8 · capital call S$50,000 on Aug 15. Arta Cash holds S$56,200.
Your stacks, your names — aggregates feed your spend insights.
Long-press a transaction to add it to a Stack.
Limit changes come with notice, and spending below the adjusted limit isn't interrupted — see the Security Agreement for exact terms. Illustrative sensitivity, not a quote.
This used: your statement and due date · your settlement setting · your Arta Cash balance and maturities · your pledged collateral values · your fund capital-call calendar. Nothing outside your Arta accounts, and it never leaves them.
It is arithmetic on your own numbers — not financial advice. Assumptions are shown inline, and nothing executes without your confirmation.
Retrieve from Myinfo
Arta is requesting these fields for this application only:
Retrieved data is used for this credit decision, is visible only to Arta's credit team, and is never added to your member profile. You can decline and upload a document instead — it takes longer, nothing else changes.
Exact Myinfo attributes and consent scope would be confirmed with Compliance.
What's included: the eligible assets you select stay invested in your Arta account while they support the card.
Values can change: if eligible asset values or eligibility change, your recommended limit may change with notice — spending below the adjusted limit isn't interrupted.
If action is needed: the Security Agreement defines when Arta may require action and what rights Arta has under the arrangement.
Illustrative assessment logic for this exercise — exact eligibility, rates and security terms would be defined with Credit, Risk and Legal.
Cardmember Agreement and Schedule of Charges
The legally binding version of everything you saw in Key Terms — in a readable form, not a PDF dump.
How this card works
The Arta Card is a charge card: the full statement balance is due each cycle, and balances never revolve. There is no purchase APR because there is no borrowing — a finance charge applies only to amounts that remain unpaid after the due date.
The security arrangement
Your spending limit is supported by the eligible assets you selected, custodied at BNY | Pershing. If eligible asset values or eligibility change, your limit may adjust with notice; spending below the adjusted limit is not interrupted. The exact eligibility rules, adjustment mechanics and Arta's rights under the security arrangement are defined in the Security Agreement.
Fees
- Annual fee: S$150, billed on your first statement and each anniversary. Illustrative for this exercise.
- Foreign transaction fee: none.
- Late payment fee: up to S$40. We notify you before it is ever applied.
Credit reporting
Submitting this application authorizes one hard credit inquiry. Your account activity — balances and payment history — is reported to Credit Bureau Singapore monthly.
Your right to information
If your application is declined or approved on different terms, you are entitled to a written statement of the specific reasons within 7 business days.
Autopay and payments
Settlement draws the full statement balance from your chosen source. You can switch source any time before 11:59 PM the day before the scheduled payment. If the source is short, we tell you before the due date — never after.
Questions about any clause? Ask Arta AI from any screen — explanations, not advice.