SkillsFuture Credit (SFC)
SkillsFuture Credit helps Singaporeans offset course fees for eligible courses that support skills development and lifelong learning to be future-ready and relevant. It is a personal credit for individuals (not employers) and is available to all Singapore Citizens aged 25 and above. The credit can be used on top of existing government course subsidies. There are two tiers of SkillsFuture Credit: a Base Tier for all Singapore Citizens aged 25 and above ($500), and a Mid-Career Tier for Singapore Citizens aged 40 and above ($4,000). The Base Tier credit can be used for all courses listed on the MySkillsFuture portal, while the Mid-Career Tier credit can be used for selected courses with better employability outcomes. Neither tier has an expiry date.
Eligibility Criteria
- 01
Singapore Citizens only (not PRs or foreigners)
- 02
Base Tier: Aged 25 and above (by year of birth)
- 03
Mid-Career Tier: Aged 40 and above (by year of birth)
How to Apply
1. Enrol in an eligible course — register with the training provider first 2. Inform the training provider that you plan to use SkillsFuture Credit (fully or partially) 3. Do NOT pay the training provider the amount you intend to claim via SkillsFuture Credit 4. Visit MySkillsFuture portal → Select "Submit SkillsFuture Credit Claims" 5. Log in with Singpass and search for your course 6. Select the correct course run and enter claim details 7. Upload supporting documents (official invoice/receipt) 8. Review all details and submit claim within 60 days before course start date
Claims and Disbursement
1. Submit claim within 60 days before course start date (latest: on first day of course) 2. Claims typically take up to 14 working days to process 3. Track claim status through MySkillsFuture portal 4. Credit is used on top of other government course subsidies to offset individual's out-of-pocket course fee 5. Check balance by logging in with Singpass to MySkillsFuture portal
Frequently Asked Questions
The Opening Credit ($500) and Mid-Career Tier ($4,000) do not expire. The one-off top-up of $500 (2020) expired on 31 Dec 2025.
You can submit a request via the SSG-WSG service portal. SSG will evaluate and respond within 10 working days. Only requests for courses completed not more than 6 months from the date of request will be reviewed (Base Tier only).
Yes, for courses eligible under both tiers, you can use both credits to offset the fee.
No. SkillsFuture Credit is only for Singapore Citizens.
It's for selected courses with better employability outcomes — IHL qualifications, SCTP, PWM-aligned courses, and Workplace Literacy/Numeracy courses.
Common reasons include: incorrect invoice details, paying the full fee before submitting the claim, or submitting after the course start date. Ensure you follow the steps correctly and resubmit if needed.