What are Child LifeSG Credits and NS LifeSG Credits, and who is eligible to receive them?
Child LifeSG Credit
As part of Budget 2025, the Child LifeSG credits provide a one-off support to help Singaporean families with children manage household expenses.
Every Singapore Citizen child aged 0 to 12 years old in 2025 is eligible. The credits will be disbursed to the parent registered as the trustee of the child’s Child Development Account (CDA) starting from 7 July 2025. An SMS notification will be sent to the parent once their LifeSG wallet has been credited.
The usage is the same as the NS LifeSG credits given to NSFs and NSmen in 2024. These credits can be spent at the same participating merchants and are valid for one year from the date of disbursement.
To check if your child is eligible, click here.
NS LifeSG Credit
The NS LifeSG credits are a token of appreciation for the contributions of past and present NS servicemen to Singapore’s defence and security. They were first introduced in 2022 as part of the “NS55 Recognition Package” and formerly known as “NS55 credits”.
In 2024, the government announced that all full-time national servicemen (NSFs) and NSmen, both past and present, from the SAF and Home Team will receive S$200 in LifeSG credits.
These credits can be used at participating merchants and will be disbursed via the LifeSG app. Eligible recipients will be notified progressively via SMS and mail, and all credits will be credited to individual accounts by 30 November 2024.
The credits are valid for one year from the date of disbursement.
| Summary | NS LifeSG Credits | Child LifeSG Credits |
| Date of Disbursement | From 30 Nov 2024 | From 7 Jul 2025 (Starting April 2026, for babies born in 2025) |
| Validity | 1 year from disbursement date | 1 year from disbursement date |
| Eligibility | Full-Time National Servicemen (NSFs), current NSMen and past NSMen from SAF & Home Team | Child aged 0 to 12 years old in 2025 |
| Value | S$200 per person | S$500 per child |
| Recipient Account | Individual LifeSG app wallet | LifeSG app wallet of the parent registered as the trustee of the child’s Child Development Account (CDA) |
To check your balance or redeem your credits, simply download the LifeSG app and log in using your SingPass.
In addition to using the credits at participating merchants, including restaurants, e-commerce platforms, electronics stores, travel services, bakeries, and supermarkets, you can also convert the credits into cash.
Check out the links below to see where you can use your LifeSG credits and how to convert them into cash.
Where can I redeem LifeSG credits? List of all LifeSG merchants
The LifeSG credits can be spent at any online or offline merchant that accepts NETS QR or PayNow UEN QR. The following is a non-exhaustive list of participating merchants where you can use your NS Life credits:
E-Commerce
- Amazon
- Shopee
- TotallyHotStuff
Education
- Artary
- Crestar
- Edufirst Learning Centre
- LCentral English
- LingoAce
- Medley Music School
- Mind Stretcher
- Nurturestars Preschool
- SAFRA Canvas Ark
- StepUp Learning & Dance
- ThinkersBox
- Tien Hsia Language School
- Yamaha Music
Bakery & Confectionery
- Cat & the Fiddle
- Duke’s Bakery
Casual Dining & Fast Food
- Axsolute Bistro
- Canadian Pizza
- Domino’s Pizza
- Koi
- McDonald’s (pay at counter only)
- Nassim Hill
- Pizza Hut
- Renew Deli
- Springleaf Prata Place
- Sushi Express
- Wingstop (at SAFRA Punggol only)
Food Kiosks & Light Bites
- Bee Cheng Hiang
- Four Seasons Durians
- Mr Bean
- Old Chang Kee
- Playmade
Restaurants & Cafes
- Andersen’s of Denmark
- Brewerkz
- Café Iguana
- COLLIN’S®
- Curry Times
- Do Qoo Singapore
- Eatzi Steakhouse Bistro
- FOREST5 Darts Café
- Georges
- Golf Spot Cafe & Bistro
- Huo Guo Kung Fu
- Jack’s Place
- Jubilee Garden Restaurant
- KPO Café & Bar
- L’Espresso
- Pearl Garden Restaurant
- Princess Terrace Café
- Rasa Istimewa
- SaVanh Bistro & Lounge
- Shima Restaurant
- Siam Kitchen
- Suki Suki Thai Hot Pot
- Summer Garden Restaurant
- Tien Court Restaurant
- Timbre X SEA
- Timbre+ One-North &
- Timbre+ Eastside
- Turandot Music Restaurant Bar
- WTF by IndoChine
Beauty & Wellness
- Nature’s Farm
- QN Wellness
- Sri Bayu Balinese Spa
- The Spa by The Ultimate
Books & Stationery
- Klosh
- Popular
- The Write Connection
Departmental Store
- BHG
Electronics & Technology
- Audio House
- Best Denki
- Bose
- KDK
- mc.2
- Ruhens SG
- SHURE
- Sony
Entertainment
- Arena Billiards
- Clique Billiards
- Clique Gaming
- Fame Music & Entertainment
- HaveFun Karaoke
- Headrock VR
- Jewel Music Box
- Lagoon Billiard Room
- Lagoon Snooker Centre
Fashion
- Bata
- BOTF
- Crumpler
- Havaianas
- Luminox
- Superga
Leisure & Travel
- Chan Brothers Travel
- Kidz Amaze
- Park Hotel Group Gift Mall
- Park Regis Singapore
- Sonic Bowl
- SuperBowl
- White Sails
Mall Vouchers
- Frasers Property Gift Cards
Services
- Caltex
- ComfortDelGro Taxi
- HappyK
- Lenskart
- Mach Accessories (S)
- Nuffield Holdings
- OneCare Medical Group
- PingAn Dental
- Raffles Dental
- Raffles Hospital (Specialist outpatient consultation)
- Raffles Medical
- Singlife with Aviva
- TADA
- TribeCar
Sports
- ASICS
- Active Lifestyle
- BazGym Gymnastics School
- Onyx East
- Reflex-O Recreations
- SAFRA EnergyOne Gym
- Yoga Inc.
Supermarkets & Convenience Stores
- 7 Eleven
- Cold Storage
- NTUC FairPrice
- Giant
- Guardian
- Sheng Siong
Some of these merchants offer additional discounts and freebies when you pay for their products and services using LifeSG credits.
How to convert LifeSG credits into cash?
Since the credits were disbursed to recipients’ LifeSG accounts, many have wasted no time putting them to use.
While some are redeeming their credits at restaurants and supermarkets, tech-savvy users have discovered a clever workaround by converting the digital credits into cash via Sheng Siong Supermarket’s $TM machines (the chain’s proprietary ATMs that dispense cash).
These $TM machines are located at almost all of Sheng Siong’s outlets (marked “with $TM Service) where one can withdraw cash using DBS/POSB/OCBC/UOB ATM card, PayNow or Singtel Dash, albeit with a S$0.20 service fee.
Since LifeSG credits are redeemed by scanning a participating merchant’s PayNow QR code via the LifeSG app, you can use the same method to withdraw cash by scanning the PayNow QR code at Sheng Siong’s $TM machines.
When the first NS55 LifeSG credits were introduced in 2022, many users took advantage of a workaround to convert their credits into cash. Some expressed concerns about whether this was allowed.
On 9 July 2022, MINDEF clarified to Channel News Asia that national servicemen have the freedom to use their credits as they see fit. MINDEF stated, “National servicemen are free to decide how they would like to use the credits“, confirming that encashing or spending the credits is entirely at the servicemen’s discretion. This policy also applies to the current NS LifeSG credits and Child LifeSG credits.
Great news! If you were hesitant to convert your credits to cash for fear of breaking any rules or regulations, you’re now free to do so!
Steps to withdrawal LifeSG credits at Sheng Siong's ATM
- Locate a Sheng Siong’s Simple Teller Machine ($TM)
- Tap on “PayNow” option
- Select “Other Amount”
- Enter the value of the withdrawal
- (NS LifeSG Credits) Enter “190” and tap “With Receipt”. Due to a S$0.20 service fee for withdrawals and a minimum denomination of S$10, the maximum amount you can withdraw from your NS LifeSG credits is S$190.
- (Child LifeSG Credits) Enter “490” and tap “With Receipt”. Due to a S$0.20 service fee for withdrawals and a minimum denomination of S$10, the maximum amount you can withdraw from your Child LifeSG credits is S$490.
- Open your LifeSG app, under “Your Benefits” section, tap
- “NS LifeSG Credits” card
- “Child LifeSG Credits” card
- Scroll down to tap on “Scan QR code to Pay” button.
- Use your phone to scan the QR code on Sheng Siong’s $TM screen.
- Wait for your cash to be dispensed. Be patient, it may take some time.
- Retrieve your receipt.
- Check your NS LifeSG credit balance in the LifeSG app. You should have S$9.80 left to use on other participating merchants.
Congrats on receiving your cash!
Full LifeSG credits withdrawal
In addition to cash withdrawals at Sheng Siong, you can withdrawal the full LifeSG credits via YouTrip, a third-party commercial travel wallet app.
However, please note that this process involves several additional steps, including creating a YouTrip account, using SingPass for MyInfo retrieval and submission, and linking a Mobile Number or NRIC-associated PayNow account for the bank transfer.
Once registered, you can top up your YouTrip wallet with your LifeSG credits and then transfer the entire amount to your bank account.
While this option may not be suitable for everyone, it can be a convenient choice for those who are comfortable with digital tools.
