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UOB Direct Visa Debit Card

Travel perks and up to 10% in SMART$ rebates are among the benefits of choosing UOB.

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James Martin
Updated
Fact checked

This card is no longer available

UOB no longer offers this debit card. You can find out about the UOB One Debit Card here.

The UOB Direct Visa Debit Card is a rewards debit card which offers rebates as you spend day-to-day including on grocery shopping, filling up the tank, and more (Ts&Cs apply). In addition to numerous rewards, you can enjoy slick card features and make contactless payments via Apple Pay or Mighty Pay in your UOB mobile app.

Read on to find out if the UOB Direct Visa Debit Card is the right card to meet your spending needs.

Expert review

The UOB Direct Visa Debit Card is a rewards debit card that lets you manage everyday spending with ease, while making the most of shopping benefits, travel perks and more. This debit card offers global ATM access on the Visa plus Network – a feature that isn’t available on all UOB debit cards. Make sure you understand any charges and fees if you plan to use your card overseas. Additionally, you’ll have access to over 1,200 ATMs in Singapore.

There is an annual fee of S$18 with this debit card, but this shouldn’t trouble you as it’ll be waived for your first three years. Plus, the fee is automatically waived if you make just 12 Visa transactions per year. As well as the many features of this card, you can use it just like any other debit card: send and receive money electronically, set up direct debits and make hassle-free payments to others.

Benefits of the UOB Direct Visa Debit Card

    • SMART$ Rebates. Cardholders earn up to 10% in SMART$ rebates when shopping at one of hundreds of participating outlets island-wide, including at petrol stations and supermarkets. Make sure you redeem your SMART$ points within six months.
    • 1% Grab rebate. Get up to $20 in cashback. To qualify you’ll need to spend at least $500 on Grab rides in a month.
    • Other travel perks. These include the chance to withdraw cash at some ATMs overseas. Keep in mind that there’s a S$5 fee per transaction. Other terms apply.
    • Contactless payments. This card enables fast and easy payments with Visa payWave. You simply wave your card in front of a secure reader when making a purchase under S$100.
    • Apple Pay or Mighty Pay. Use Apple Pay or Mighty Pay to make buy in-store without needing to show your debit card.
    • UOB account benefits. Get up to 3.88% interest per annum if you link your debit card to your savings with a UOB One account and spend at least S$500 per month.
    • SimplyGo. Simply tap your card on buses and trains without the need to top-up your travel card.

Eligibility criteria

  • Minimum age. The minimum age requirement for this account is 16 years of age.
  • Income requirements. There’s no minimum required income with this debit card.
  • UOB customers only. You have to hold either a UOB Savings Account or a Current Account to get this card.

How to apply for the UOB Direct Visa Debit Card

There are two ways to apply for a debit card with UOB:

  • By visiting any UOB Group Branch in Singapore during banking hours.
  • By downloading a copy of the application form on UOB’s website, and mailing the completed form to: UOB Card Centre Robinson Road, P.O. Box 1688, Singapore 903338.

Required documents

You have to submit a photocopy of your passport with at least six months’ validity, or a valid National Registration Identity Card (NRIC).

Frequently asked questions

Am I allowed to have more than one debit card?
Yes, you can. But whether you should will depend on your personal circumstances. If you have a poor track record of managing your finances then it may be better to keep to one card (even if it means missing out on some account offers and rewards).

How can I contact UOB for further help?
You can call UOB for free on 1800 355 1212. Lines are open 24/7.

How do I activate my UOB debit card?
As a security measure, you will need to activate your Card before you use it for the first time. UOB makes it easy to do this if you have your debit card and phone with you. To complete the activation process, vist the UOB Card Activation page on this provider’s website. Or call UOB’s 24-hour hotline on 1800 386 8188.

How can I view my SMART$ points?
You can check and redeem your points at any participating SMART$ merchants. You can also call UOB’s 24-hour hotline on 1800 222 2121.

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