GoBear is now part of Finder

OCBC debit cards

Enjoy a wide range of card perks or earn rebates from your everyday transactions.

OCBC offers four debit cards, each with its own unique features and rewards. Learn more about the various OCBC debit cards and compare your options before applying.

No reviews yet. Write a review

S$0

Annual Fee

S$0

Minimum Initial Deposit

S$0

Fall below monthly fees

Compare OCBC debit cards

Name Product Annual Fee Minimum Income Minimum Age Requirement Mobile payments
OCBC Frank Debit Card
S$0
N/A
16 years old
Apple Pay, Google Pay, Samsung Pay
Get unlimited 1% cashback on selected categories, access to exclusive deals and cashback with this stylish debit card.
OCBC Plus! Visa Debit Card
First year is free, after a S$24 per annum would be apply
N/A
16 years old
Apple Pay, Google Pay, Samsung Pay
Earn up to an 7% rebate when you spend at FairPrice, Unity and Warehouse Club store, plus a host of other benefits.
OCBC NTUC Plus! Visa Debit Card
S$0
N/A
16 years old
Apple Pay, Google Pay, Samsung Pay
Exclusively for NTUC Union members only, this card offers rebates, fuel savings, discounts at FairPrice and more.
OCBC Yes! Debit Card
S$0
N/A
16 years old
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, NETSPay
A fuss-free card that offers a 1% cash rebate on your daily spending and access to exclusive deals on entertainment, travel, dining and more.
loading

Compare up to 4 providers

What are the features of OCBC debit cards?

  • No annual fee. Other than the OCBC Plus! Visa debit card, all other cards are free to use.
  • Rebates. All OCBC debit cards comes with attractive rebates and discounts when you spend at selected merchants.
  • Exclusive perks. Enjoy a wide array of shopping, lifestyle and entertainment deals at partner merchants.

What are the debit cards offered by OCBC

OCBC offers four debit card options to choose from:

Debit cardPerks
OCBC YES! Debit Card
  • Unlimited 1% cash rebate when you shop with selected merchants, including:
    • Fast food: Macdonald’s, Subway, Burger King and more
    • Convenient stores: Cheers, 7-Eleven
    • Online stores: Zalora, Lazada, iHerb, ASOS, Fairprice Online
    • Transport : Grab, Comfort, CityCab, TADA, Go-Jek
  • To be eligible for rebates, you’ll need to spend a minimum of $400 per month.
  • Exclusive deals and discounts at partner merchants across various spending categories.
FRANK Debit Card
  • Unlimited 1% cash rebate when you shop with selected merchants, including:
    • Fast food: Macdonald’s, Subway, Burger King and more
    • Convenient stores: Cheers, 7-Eleven
    • Online stores: Zalora, Lazada, iHerb, ASOS, Fairprice Online
    • Transport : Grab, Comfort, CityCab, TADA, Go-Jek
  • To be eligible for rebates, you’ll need to spend a minimum of $400 per month.
  • All-in-one card: A debit, ATM and transport card
  • 60 stylish card designs to choose from
  • Instant digital card allows you to utilise the card immediately after approval.
  • Sign up promotion:
    • Earn S$10 cash credit and select a card design for free when you apply for both the FRANK account and debit card online; AND
    • Earn S$10 cash credit when you add your card to your mobile wallet and charge at least 3 mobile wallet transactions
OCBC Plus! Visa Debit Card
  • Spend a minimum of S$200 per month anywhere outside of Fairprice, Unity and Warehouse Club stores to qualify for:
    • Up to 4% off in-store purchases at FairPrice, Unity and Warehouse Club stores
    • Up to 3% off on online purchases at FairPrice
  • Spend a minimum of S$400 per month anywhere outside of Fairprice, Unity and Warehouse Club stores to qualify for:
    • Up to 7% off in-store purchases at FairPrice, Unity and Warehouse Club stores
    • Up to 3% off on online purchases at FairPrice
  • Up to 20.3% fuel savings at Esso and 20% at Caltax
  • 1% LinkPoints rebate on M1, Singtel and Starhub recurring bills
  • 3% discount at Cheers and Popular
  • 0.22% LinkPoints rebate on all Visa spendings
  • Annual fee: S$24 (waived for the first year). Spend $1,200 in a year for automatic fee waiver.
NTUC Plus! Visa Debit Card
  • Spend a minimum of S$200 per month anywhere outside of Fairprice, Unity and Warehouse Club stores to qualify for:
    • Up to 8% off in-store purchases at FairPrice, Unity and Warehouse Club stores
    • Up to 7% off on online purchases at FairPrice
  • Spend a minimum of S$400 per month anywhere outside of Fairprice, Unity and Warehouse Club stores to qualify for:
    • Up to 12% off in-store purchases at FairPrice, Unity and Warehouse Club stores
    • Up to 8% off on online purchases at FairPrice
  • Up to 20.3% fuel savings at Esso and 20% at Caltax
  • 1% LinkPoints rebate on M1, Singtel and Starhub recurring bills
  • 3% discount at Cheers and Popular
  • 0.22% LinkPoints rebate on all Visa spendings

    Note: Information provided is accurate at the time of writing (26 October 2020)

    What fees could I be charged with OCBC current accounts?

    Here are some fees you may incur while using an OCBC debit card:

    • Annual fee. While most OCBC debit cards are free, the OCBC Plus! Visa card has an annual fee of $24 (waived for the first year).
    • Early account closure fee. If you choose to close an account before a set deadline, you may incur a premature termination fee of $30.
    • Miscellaneous fees. Watch out for miscellaneous charges such as overseas cash withdrawal fees and card replacements penalty.

    How do I compare debit cards?

    • Fees. Check to the debit card you’re considering comes with any annual fees or overseas cash withdrawal charges.
    • Daily limits. Find out what are the daily spending and withdrawal limits for the card.
    • Deals and rewards. Maximise your savings by considering the type of rewards, rebates or perks offered by the card.

    Are there any benefits or drawbacks to using a debit card?

    • There is usually no annual or monthly fee. Unlike credit cards, debit cards generally don’t charge any annual fee.
    • Credit rating doesn’t matter. You need not worry getting your application rejected due to your credit history.
    • No risk of debt. Since the money is being withdrawn from your available funds immediately upon payment, you’ll not run the risk of accumulating any debt with a debit card.
    • Exclusive deals and rewards. Your card may offer selected merchants perks and rebates.

    What should I look out for?

    • Average return. Debit cards generally offer less value in terms of rewards or cashback compared to credit cards.
    • Spending limitations. You are limited with the amount of money you can spend by what is available in your transaction account.
    Back to top

    How do I apply for an OCBC debit card?

    You’ll need to be an existing OCBC account holder to apply for an OCBC debit card. If you have an OCBC account, simply click on the ‘apply now’ button on the specific card page on OCBC’s website to proceed. If you don’t have an OCBC account yet, make sure to compare the various types of accounts available and find one that best suits your needs.

    New applicants (Singapore citizens and PRs) can apply with their SingPass, a simple and secure application process that speeds up the process by retrieving your personal details and income information directly from MyInfo. Alternatively, you can also fill up an online application form listed on OCBC website if you don’t have a SingPass account.

    Like any other bank accounts in Singapore, make sure that you meet the eligibility criteria for the specific account that you’re interested in and have all the relevant documents you need on hand.

    Eligibility criteria

    The eligibility criteria may vary depending on the specific OCBC debit card you’re applying for, but you’d typically need to meet these requirements:

    • Age. You must be at least 16 years of age
    • Residency. Singapore citizen, permanent resident or foreigner with a valid visa.

    Required documents

    Make sure you have the following information and documents on hand when you apply:

    • Singapore citizens and permanent residents. ID and the latest copy of a proof of residence (e.g. local utility bill, local telecommunication bill, local bank statement)
    • Foreigners working in Singapore. Passport, Employment Pass, proof of residence (e.g. IPA issued by MOM, Work Permit issued by MOM)
    • Foreigners studying in Singapore. Passport, matriculation or student card approved by the ICA, or proof of residence (e.g. utility bill, telecommunication bill, bank statement)

    Compare a range of debit cards in Singapore

    Name Product Annual Fee Minimum Income Minimum Age Requirement Mobile payments
    Canvas Pre-paid Visa Card and App
    S$0
    S$0
    N/A
    Apple Pay, Google Pay

    Finder special offer of 30 days free trial and $10 credit on each kid’s card upon activation.

    Manages your kids’ pocket money and domestic helpers’ access to household expenses digitally.
    Revolut Standard
    S$0
    S$0
    N/A
    Apple Pay, Google Pay
    Enjoy no monthly fees, competitive currency conversion rates and spend in over 150 currencies with Revolut’s Standard card.
    Aspire Corporate Card
    S$0
    S$0
    N/A
    Apple Pay, Google Pay
    A corporate debit card for SMEs and Startups with no annual fee and low FX fees. Enjoy 1% cashback on marketing and SaaS spend. T&Cs apply.
    YouTrip
    S$0
    S$0
    N/A
    Apple Pay, Google Pay

    Use promo code FINDER5 to earn $5 on signup.

    A prepaid Mastercard with no monthly fees, contactless payment features and fee-free transactions in over 150 currencies. NOTE: Promo code valid for new signups and Singapore residents only.
    loading

    Compare up to 4 providers

    Frequently asked questions

    Ask Finder

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked
    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Privacy Policy.
    Go to site