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Under the scheme, $1,000 will be disbursed annually from the year a child turns 1 until the year the child turns six.
Singapore's Ministry of Social and Family Development (MSF) announced on 10 September that eligible families can now receive their Large Family LifeSG Credits (LFLC).
Introduced as part of the broader Large Families Scheme, the initiative aims to strengthen support for Singaporeans with three or more children.
Under the LFLC scheme, $1,000 will be disbursed annually from the year a child turns 1 until the year the child turns six. This also applies to existing large families with at least one child aged six or below. The credits are intended to help defray a wide range of household expenses.
(all currencies are in Singapore dollars, SGD)
Payment schedule
The first disbursement of $1,000 will be made from 10 September 2025, for each third and subsequent Singapore citizen child aged 1 to 6 in 2025.
From 2026 onwards, disbursements will be made in April annually, with the next payment in April 2026 covering children aged 1 to 6 that year.
LFLC will be credited into the child’s CDA trustee’s digital wallet in the LifeSG app and can be used via PayNow UEN QR or NETS QR. Valid for 12 months, the credits will be automatically received by the CDA trustee of each eligible child. Recipients will also be notified via SMS once the LFLC has been credited.
Eligibility criteria
To qualify, families with a third or subsequent child must meet all the following requirements:
- The child is a Singapore citizen.
- The child is 1 to 6 years old.
- The child is enrolled in the Baby Bonus Scheme.
Couples are encouraged to refer to the LFLC factsheet to check which of your children count towards your family’s eligibility for LFLC.
The LFLC will be paid annually to the CDA trustee of the eligible child in MSF’s records as of the eligibility assessment date, subject to the following conditions:
- For married couples or widowers, there must be three or more living Singapore citizen children tied to the CDA trustees in the couple pair, related by birth, adoption, or step-relations.
- For divorcees, there must be three or more living Singapore citizen children tied to them as the CDA trustee, related by birth, adoption, or step-relations.
- For marriages registered overseas, your marital status must be updated in your Singpass profile before MSF can assess eligibility for LFLC.
Eligibility assessment date
To receive LFLC, families must meet the eligibility criteria by 1 March every year to receive LFLC in April of the same year. However, the first LFLC payment in 2025 will be made from 10 September to families who meet the eligibility criteria by 1 August 2025.
Eligibility is re-assessed every year. If there are changes to a family’s eligibility after the assessment date, only the following year’s disbursement will be affected.
Using the benefits
LFLC can be spent at online and physical merchants accepting PayNow UEN QR or NETS QR. The credits cover a range of family-related goods and services, including groceries, utilities, pharmacy items, and transport services.
A step-by-step guide to using the LFLC can be found here.
On top of the LFLC, families with a third or subsequent eligible Singapore citizen child born on or after 18 February 2025 will also be entitled to:
- Increased CDA First Step Grant
- A child of third or subsequent birth order born on or after 18 February 2025 will qualify for a $5,000 increase in the Child Development Account (CDA) First Step Grant (FSG), bringing the total CDA FSG to $10,000. This amount can be used to defray preschool and healthcare expenses for the child and his/her siblings in a large family.
- Large Family MediSave Grant
- A child of third or subsequent birth order born on or after 18 February 2025 will qualify for the Large Family MediSave Grant (LFMG). This will be paid into the mother’s CPF MediSave Account, and she may use it to pay for medical expenses for her and her family members.
- The full amount of $5,000 will be credited to the CPF MediSave Account if at least one of the eligible child’s parents is a Singapore Citizen at the time of the child’s birth. The amount will be pro-rated if both parents are non-Singapore Citizens at the time of the child’s birth and the child subsequently becomes a Singapore Citizen.
- Special privileges at partner merchants
- Families with three or more children may enjoy deals and privileges provided by select merchants.
READ MORE: Top 10 countries in APAC with the highest maternity pay
Lead image / MSF Facebook
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