How To Use Your SkillsFuture Credits To Upskill

In today’s fast-paced world, staying competitive in the job market requires a commitment to continuous learning and skill development.

Fortunately, Singapore’s SkillsFuture initiative offers a wealth of opportunities for you to enhance your skills and stay ahead of the curve. Let’s take an in-depth look at how you can leverage your SkillsFuture Credits to kickstart your journey of lifelong learning and career advancement.

What is SkillsFuture?

SkillsFuture is a national movement to provide Singaporeans with the opportunities to develop their potential throughout life. Regardless of age and experience, you can acquire new skills or upgrade existing ones through the opportunities offered by SkillsFuture.

Eligibility criteria

The requirements for SkillsFuture Credits are straightforward:

  • Singapore citizenship: To qualify for SkillsFuture Credits, you must be a Singapore citizen.
  • Age requirement: Individuals must be aged 25 and above to be eligible for SkillsFuture Credits.
  • SkillsFuture credit account: Ensure that you have opened a SkillsFuture Credit account to access your credits.
  • No outstanding claims: It’s important to note that individuals must not have any outstanding SkillsFuture Credit claims to be eligible for additional credits.

Understanding SkillsFuture credits

At the heart of the SkillsFuture initiative is the concept of SkillsFuture Credits. These credits serve as a financial incentive for Singaporeans aged 25 and above to pursue skills upgrading and lifelong learning. Credits can be used to offset the cost of approved courses and training programs offered by SkillsFuture Approved Training Providers.

All eligible individuals will receive an opening credit of S$500. The best part? These credits never expire, providing you with the flexibility to plan and pursue your learning goals at your own pace.

  1. Mid-career Support Package SkillsFuture credits top-up
    • In Budget 2020, there was a one-off SkillsFuture credit top-up of up to S$500 to every Singapore Citizen aged 25 years and above as of 31 December 2020
    • Also, an additional $500 credit was provided to every Singapore Citizen aged 40 and 60. Do note that this additional set of credits can only be used on selected reskilling programmes.
    • Both sets of credits are valid till Dec 2025.
  2. SkillsFuture Level-Up Programme SkillsFuture credits top-up
    In Budget 2024, as part of the SkillsFuture Level-Up Programme, individuals who are 40 and above are given a S$4,000 SkillsFuture credit top-up to push mid-career workers to upskill. This is applicable for selected re-skilling programmes only.
  3. Mid-Career Enhanced Subsidy (MCSE)
    The MCSE currently covers up to 90% of course fees for courses funded by SkillsFuture Singapore and the Ministry of Education. It will be extended to those who pursue another full-time diploma at local polytechnics, ITE, or arts institutions.
  4. SkillsFuture mid-career training allowance
    You can receive a training allowance based on 50% of your average income over the latest available 12-month period, capped at $3,000/month for up to 24 months over an individual’s lifetime when you enrol full-time courses
  5. Work-Study programmes
    For fresh graduates who are within three years of graduation from the Polytechnics or the Operationally Ready Date for full-time National Servicemen, you can receive a sign-on incentive of $5,000 for most programmes & attain an industry-recognised Post-Diploma qualification or professional certification.

Navigating the SkillsFuture course directory

With thousands of courses available, navigating the SkillsFuture Course Directory can feel like embarking on an exciting adventure. Here’s how you can make the most of your exploration:

1. Identify your passions and goals

Take some time to reflect on your interests, passions, and career aspirations. What skills do you want to develop? What knowledge do you want to gain? Identifying your goals will help you narrow down your options and make informed decisions.

2. Explore the course directory

Dive into the Course Directory and explore the wide array of courses available. From technical skills to soft skills, there’s something for everyone. Use filters to refine your search based on criteria such as industry, duration, and mode of delivery.

If you’re a student, you might want to check out programmes such as The Young Talent Programme (YTP), SkillsFuture Earn and Learn, Work-Learn Bootcamp and Work-Study Degree. On the other hand, if you’re 50 years old and above, you can enjoy course subsidies of up to 90% at major institutions under programmes such as the National Silver Academy.

3. Read course descriptions thoroughly

Once you’ve found a course that piques your interest, take the time to read through the course description, objectives, and learning outcomes. Pay attention to prerequisites, course fees, and certification options to ensure that the course aligns with your goals and expectations.

4. Check reviews and ratings

Reviews and ratings from past participants can provide valuable insights into the quality and effectiveness of a course. Look for testimonials and success stories to gauge the course’s relevance and impact.

5. Seek advice and recommendations

Don’t hesitate to reach out to career advisors, mentors, or friends who have taken similar courses. Their experiences and recommendations can help you make informed decisions and find the right fit for your learning journey.

Maximising the value of SkillsFuture credits

Now that you’ve found the perfect course, it’s time to make the most of your SkillsFuture Credits. Here are some tips to help you maximise their value:

1. Set clear goals

Before enrolling in a course, set clear and achievable goals for what you hope to accomplish. Whether it’s mastering a new skill, advancing in your career, or exploring a new field, having clear objectives will keep you focused and motivated throughout your learning journey.

2. Budget Wisely

With a limited amount of credits, it’s essential to spend them wisely. Prioritise courses that offer the greatest return on investment in terms of relevance to your career goals and skill enhancement. Consider factors such as course duration, certification, and potential for career advancement when budgeting your credits.

3. Explore Different Learning Formats

Don’t limit yourself to traditional classroom-based courses. Explore alternative learning formats such as online courses, workshops, seminars, and webinars. These flexible options allow you to learn at your own pace and fit your studies around your busy schedule.

4. Continuously learn and grow

Lifelong learning is the key to staying relevant and adaptable in today’s fast-changing world. Beyond SkillsFuture Credits, explore additional learning opportunities such as employer-sponsored training programmes, industry certifications, and self-directed learning initiatives. Keep an open mind and embrace new challenges and opportunities for growth.

5. Network and collaborate

Take advantage of networking opportunities to connect with fellow learners, industry professionals, and subject matter experts. Engage in discussions, share ideas, and collaborate on projects to expand your knowledge and build valuable connections. Networking can open doors to new opportunities and enhance your learning experience.


SkillsFuture Credits offer a valuable opportunity for individuals to invest in their personal and professional development. It can help you to embark on a rewarding journey of lifelong learning and career advancement. So what are you waiting for? Start exploring the possibilities today and unlock your full potential with SkillsFuture Credits!

Read more: Travelling Solo For The First Time? This Step-by-Step Guide Is For You

Leave a Reply

Your email address will not be published. Required fields are marked *