Valid Singapore driving licence holders who have maintained a continuous demerit-point-free driving record for the past three years are eligible for a Certificate of Merit (COM).
Licence holders with a valid COM may enjoy an additional discount, over and above the No-Claim Bonus, when renewing their insurance policy with participating insurance companies. To qualify, they must also not have made any claims on their vehicle insurance in the past three years.
You may check your eligibility for a COM at SPF | Check Eligibility for Certificate of Merit.
Participating Insurance companies
Please refer to the list of participating insurance companies.
|
S/No |
Company Name |
|
1 |
ACE Insurance Ltd |
|
2 |
Allianz Insurance Co of Singapore Pte Ltd |
|
3 |
AXA Insurance Singapore Pte Ltd |
|
4 |
EQ Insurance Company Ltd |
|
5 |
Federal Insurance Co |
|
6 |
First Capital Insurance Ltd |
|
7 |
HSBC Insurance (Singapore) Pte Ltd |
|
8 |
India International Insurance Pte Ltd |
|
9 |
Liberty Insurance Pte Ltd |
|
10 |
Lonpac Insurance Bhd |
|
11 |
Mayban General Assurance Bhd |
|
12 |
Mitsui Sumitomo Insurance (Singapore) Pte Ltd |
|
13 |
MSIG Insurance (Singapore) Pte Ltd (formerly Aviva General Insurance Pte Ltd) |
| 14 | Nipponkoa Insurance Co Ltd |
| 15 | Overseas Assurance Corporation Ltd |
| 16 | QBE Insurance (International) Ltd |
| 17 | Royal & Sun Alliance Insurance Plc |
| 18 | SHC Capital Ltd |
| 19 | Sompo Japan Insurance Co (Asia) Pte Ltd |
| 20 | Tenet Insurance Co Ltd |
| 21 | TM Asia Insurance Singapore Ltd |
| 22 | Tokio Marine & Fire Insurance Co (S) Pte Ltd |
| 23 | United Overseas Insurance Ltd |
| 24 | Auto & General Insurance (Singapore) Pte Ltd, trading as Budget Direct Insurance |
Updated as of 17 September 2026
For more information, please refer to the FAQs below.
Q1: What is the Digital Driving Licence?
Q2: How do I access the Digital Driving Licence?
A2: To view the Digital Driving Licence, all you need to do is:
- Launch the Singpass app
- On the homepage, swipe left on the Digital IC
- Tap on the Digital Driving Licence
- Click on “Show Details” to see the full details of the card
Q3: When can I use the Digital Driving Licence?
A3: You can use the Digital Driving Licence to verify your driving licence information wherever required locally.
Businesses that require verification of driving licence-related information such as the driving licence class, status of driving licence, etc, are encouraged to use the Digital Driving Licence as the primary means of verification as the information reflected within the digital card will be the most up-to-date. Businesses should verify the driving licence information within the Singpass app. Screenshots of the Digital Driving Licence provided by the motorists must not be accepted.
To ensure security, motorists have to authenticate further, e.g. using fingerprint, facial recognition or passcode, to access the full details of their Digital Driving Licence.
Q4: How do I attain the Digital Driving Licence?
A4: The Digital Driving Licence will be available on the Singpass app as long as you possess a Singapore driving licence in Singapore and you are eligible for a Singpass account. Learner motorists who have just applied for their driving licence after meeting the requisite requirements will also be issued the Digital Driving Licence, if they are eligible for a Singpass account.
For Singpass eligibility, please select "Registering a Singpass account", followed by "Eligibility" at Singpass - Register for Singpass
Q5: I do not have a Singpass account. Can I continue to use my hardcopy driving licence?
Q6. Will I be charged for the Digital Driving Licence?
Q7: Does the Digital Driving Licence replace my photocard driving licence?
A7: The Digital Driving Licence is an alternative identification document for Singapore driving licence holders for verification of driving licence information locally. You can choose to use the Digital Driving Licence in lieu of your photocard driving licence when you are asked to verify your driving licence information. Please note that you may still be required to produce your photocard driving licence, if required in specific situations, e.g. while driving overseas.
If you lose your photocard driving licence or the card has been defaced, you are still required to apply online for a replacement of your photocard driving licence via the SPF e-Services platform. You will be required to use your Singpass account to access the services.
Businesses that require verification of driving licence-related information such as the status of driving licence are encouraged to use the Digital Driving Licence as the primary means of verification as the information reflected within the digital card will be the most up-to-date. Businesses should verify the information within the Singpass app itself. Screenshot or screen recording of the Digital Driving Licence provided by the motorists must not be accepted.
For more information on the various status, please refer to the Annex below.
Q8: An organisation has requested for a screenshot of my Digital Driving Licence. Should I allow them to take a photograph of it?
A8: The Digital Driving Licence is an alternative document for a user to present his driving licence-related information. It is not meant to be screen captured or recorded for security reasons.
If personal data or driving licence-related information need to be furnished, agencies or businesses should use the Singpass Verify or Myinfo services to retrieve the data with the user’s consent. Alternatively, agencies or businesses may manually record the information displayed on the Digital Driving Licence into their own systems. The collection and use of data are subjected to the Public Sector (Governance) Act or Personal Data Protection Act, where applicable.
Agencies and businesses can visit https://api.singpass.gov.sg to find out more about Verify and Myinfo APIs.
Q9: How can I tell if a Digital Driving Licence is legitimate?
A9: The Digital Driving Licence has an animated lion crest with a holographic effect at the right bottom corner of the user’s photograph to deter image tampering and screenshot spoofing. The lion crest is absent or appears static if a person attempts to capture a screenshot or screen recording of the Digital Driving Licence.
Agencies and businesses should look out for the animated lion crest with holographic effect to ascertain that the Digital Driving Licence screen is legitimate, and request for users to tap on their device to verify that the presented Digital Driving Licence is not a captured image or video.
Q10: Is it mandatory for me to carry my Digital Driving Licence or photocard driving licence when I drive?
Q11: Why should I use the Digital Driving Licence?
Q12: If my phone is compromised and hackers have access to my data, will they also get my Digital Driving Licence data?
A12: Singpass is built to ensure high levels of security, such as requiring verification when accessing important information like the Digital Driving Licence. It is meant to withstand most types of security breaches – when threats or altered settings that may compromise the security of the device are detected, the app will lock itself and will not be usable until the threat subsides.
However, there may be rare cases where access may be compromised. Therefore, individuals are strongly encouraged to ensure secure access to their devices and the app (e.g. by not disclosing their PIN and setting up only their own biometric profiles for access to their devices) to minimise threats. The latter can be prevented by not jailbreaking their devices, not accessing or downloading suspicious materials on their devices, and performing frequent virus scans.
If you suspect a potential breach, you are advised to call the Singpass Helpdesk at Tel no: 6335 3533, and to lodge a police report. You should also reset your Singpass password immediately.
Q13: Is my Digital Driving Licence shown on the homepage of the app? I do not want to show the details reflected in my Digital Driving Licence for privacy reasons. How can I hide it?
A13: By default, the Digital Driving Licence on the app’s homepage reflects only the last four digits of the licence holder’s licence number and photo without any other information. To view the full set of data, you will need to authenticate using your fingerprint, face or passcode, depending on your preferred settings.
For enhanced privacy, GovTech has implemented an option for users to hide their My Cards section, including the Digital Driving Licence and Digital IC, on the home screen. Please update your Singpass app to the latest version via the app store to enjoy this feature.
To hide your My Cards section by default (i.e. in the hidden state each time the home screen is shown):
- Tap on the Settings menu at the top right corner of the home screen.
- Toggle on the “Always hide ‘My Cards’” option.
- Your Digital Driving Licence will be automatically hidden every time the home screen is shown.
You may also choose to temporarily hide your Digital Driving Licence at any time by tapping on the “up” arrow at the “My Cards” section. In this case, the app launches the next time in its last saved setting, i.e. the Digital Driving Licence stays hidden if you have chosen to hide it before closing the app, and vice versa.
To quickly unhide the Digital Driving Licence for a transaction, tap on the “down” arrow and authenticate with your fingerprint, face or passcode. Upon authentication, you will be able to access full details of your Digital DL. You will only be prompted to re-authenticate after two minutes.
Q14: What should I do if I lose my phone with the Singpass app installed?
Q15: Which is safer? The Digital Driving Licence or photocard driving licence?
Q16: Can I access my Digital Driving Licence without an internet connection?
Q17: Can I use the Digital Driving Licence overseas?
Q18: I am a business owner who needs to verify the driving licence information of my staff or customer. How do I verify this information?
Q19: Are there other means to verify my driving licence status apart from using the Digital Driving Licence?
Digital Driving Licence Status
There are a total of five different statuses that may be reflected in the Digital Driving Licence
- Valid
- Invalid
- Expired
- Suspended
- Disqualified
[Note]: Any revoked licence class will not be reflected in the digital driving licence.
All statuses except “Valid” will reflect a Digital Driving Licence with a grey background. Please refer to more details on the various statuses below:
Valid
Invalid
Expired
Suspended
Disqualified
