Raising a child in Singapore is a joy — but if we’re being real, it’s also a marathon of expenses. From baby wipes to math tuition, the bills just keep piling up. So when the government rolled out the S$500 LifeSG credits per eligible child, many parents felt genuine relief.
But here’s the catch: not everyone knows how to use these credits effectively — or that there are clever ways to stretch their value even further. If you’re one of those parents asking, “Can I cash this out or make it go further?” — this guide is for you.
What Are LifeSG Credits and Why They Matter
The LifeSG Credits are part of Singapore’s 2025 Family Support Package, created to lighten the load for families managing rising costs. Each eligible child gets S$500, credited directly into the parent’s LifeSG app — no forms, no hassle.
These credits began rolling out in July 2025, and families have until July 2026 to use them. While you can’t transfer or withdraw them as cash, they’re a handy way to cover real, everyday needs — groceries, school supplies, enrichment classes, even baby products.
Think of it as a mini “cost-of-living cushion” from the government — one that can free up your cash for other family priorities.
Who Qualifies for the S$500 LifeSG Credits
To receive the credits, your child must:
- Be a Singapore Citizen
- Be 12 years old or younger as of 1 July 2025
- Have an active Child Development Account (CDA)
The credits are automatically issued to the CDA trustee (usually the parent who opened it). If you can’t find the funds in your app, check if your spouse is the registered trustee — that’s often the reason.
Example: If you have three kids aged 10, 6, and 3, that’s S$1,500 in total LifeSG credits.
What About Babies Born in 2026?
Good news — they’re covered too! Parents of babies born in 2026 will receive the S$500 credits by April 2026, once the CDA is opened and verified.
To make sure you don’t miss out:
- Download and set up the LifeSG app (you’ll use it to register your baby’s birth).
- Open a CDA with POSB, OCBC, or UOB.
- Update your Singpass and bank details to ensure smooth payout.
How to Access and Use Your LifeSG Credits
Here’s how simple it is to get started:
- Open the LifeSG app on your phone.
- Log in using Singpass.
- Check your credit balance on the home screen or under your child’s profile.
- Spend them at participating merchants or services linked to your LifeSG wallet.
Smart Hack: Turning Credits Into Real Value
Some parents cleverly use their credits on essentials from merchants that offer store refunds or gift vouchers — effectively converting credits into usable cash value.
Just remember — stick to legitimate platforms. Avoid shady websites or “cash conversion” offers that sound too good to be true.
Why Every Parent Should Keep the LifeSG App
Even beyond the credits, the LifeSG app is one of the most underrated tools for parents in Singapore. With it, you can:
- Track vaccinations and medical appointments
- Register for preschools or childcare
- Check Baby Bonus and CDA balances
- Book ActiveSG sports facilities for your child
It’s like having a personal assistant for parenting — official, secure, and incredibly convenient.
Final Thoughts
In a city where every dollar counts, the S$500 LifeSG credits are more than just a bonus — they’re a chance to make everyday life a little lighter. Whether you use them for groceries, enrichment, or baby supplies, the key is to plan ahead and make every cent count.
After all, parenting isn’t just about giving your child the best — it’s also about being smart with the help you receive along the way.
Frequently Asked Questions
1. Can I withdraw my LifeSG credits as cash?
No, you can’t transfer them directly to your bank account. However, you can use them with approved merchants for everyday family needs like groceries, classes, or baby items.
2. How long are the credits valid?
You’ll need to use your LifeSG credits by July 2026. Any unused balance after that date will automatically expire.
3. What if my spouse is the CDA trustee?
Only the registered trustee will see the credits in their LifeSG app. If you don’t see them, check with your spouse — they’re likely in the other acc
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