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From groceries to hotel bookings, apparels to home appliances, the rise of the Internet and the proliferation of personal devices have paved the way for e-commerce being an essential part of our daily lives. With a credit or debit card on hand, almost everything and anything can be purchased at the mere click of a button.
If you shop online frequently, an online shopping debit card may be ideal for you. Learn more in this guide.
Most leading banks in Singapore offer a selection of debit cards designed for online shopping. These cards typically reward their users with cash rebates when they make an eligible purchase at a qualifying spending category or at any partner merchants. Cashback is usually a percentage of the transaction, which will be credited back into your account or used to offset your next purchase.
However, not all online shopping debit cards are created equal. The type of rewards may earn can vary vastly from card to card, so always read the card’s terms and conditions or cashback offer before applying.
If you’re paying for something online, you can typically use your debit card just like a credit card. In fact, you don’t even need to indicate that you’re using a debit card. Simply select the ‘pay with credit card’ option to proceed.
Next, you’d be prompted to provide the following details:
Online shopping may be convenient, but it also has some of the highest potentials for fraud and scams.
To keep your card details and money safe, ensure that:
Here’s an overview for some of the most popular online shopping debit cards in Singapore:
| Visa debit cards | Features | Eligibility and fees |
|---|---|---|
| DBS Visa Debit Card |
|
|
| OCBC YES! Debit Card |
|
|
| OCBC FRANK Debit Card |
|
|
| OCBC Plus! Visa Debit Card |
|
|
| OCBC NTUC Plus! Visa Debit Card |
|
|
| UOB ONE Debit Card |
|
|
*Information correct as at 22 November 2020
In order to take full advantage of your debit card, make sure to compare the following features before applying:
Debit cards have different eligibility criteria you will need to meet in order to apply. These can include:
You’ll typically need to bring the following with you:
Do note that the documentation and eligibility information we’ve provided is only meant as a general guide. Before proceeding to open a current account at your chosen bank, make sure to check their eligibility criteria and know what are the exact documents required.
When you’ve successfully applied for a debit card, you’ll receive your card and PIN in two separate mailers. When you’ve received your debit card, the instructions for card activation will be included in the mailer. Usually, you’ll be able to activate it conveniently through SMS/mobile banking, internet banking or at any ATMs.
To access the ATM with your debit card, you’ll need the PIN in the second mailer. Make sure to change your PIN and dispose of the mail after that.
If you suspect that your debit card has been compromised (or if it has been stolen or misplaced), make sure to notify the bank immediately so that they can freeze the card. They will then issue a new one as a replacement.
Most online payment checkouts are secured by 3DS (3-D Secure), an added layer of security which will require the cardholder to enter a One-Time Password (OTP). The OTP is typically be sent to you via SMS or email. Simply enter the code to complete your payment.
Some banks in Singapore, such as DBS/POSB has the option to send a push notification for users to complete the authentication via the bank’s mobile banking app instead of an SMS OTP.
Enjoy convenient payments and a wide range of benefits with debit cards options that match the fast-paced lifestyles of students and young adults.
The right debit card is one that is best suited for your needs and lifestyle. We have highlighted some of the most outstanding debit cards in Singapore and the perks they offer.
ATM and debit cards are often the first plastic card you’d gain access to. But what’s the difference between these two cards?
Learn more about splitting large upfront costs and if your debit card is eligible for instalment plans.
Using your debit card in a foreign country is safe and convenient, but make sure to enable it for overseas use and look out for fees.
Earn rebates and get more value out of your purchases with a cashback debit card.
Make payments conveniently at over 61 million merchants across the world with a Visa debit card. Find out which banks in Singapore offer them.
Find out about the Citibank Debit Mastercard features and fees in this review.
Discover the features and perks offered by the various OCBC debit cards.
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