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Best Visa debit cards

Make cashless payments conveniently at over 61 million merchant locations worldwide with Visa.

With a Visa debit card, you can enjoy a wide array of benefits such as global acceptance, secure payment processing and convenient access to your money.

Use this guide to learn about the various Visa debit cards available and find one that best suits your needs.

Compare a range of Visa debit cards in Singapore

Name Product Annual Fee Minimum Income Minimum Age Requirement Mobile payments
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.
DBS Takashimaya Visa Debit Card
S$5.00
N/A
16 years old
Apple Pay, Google Pay, Samsung Pay, NETSPay, PayLah!
This debit card offers shopping vouchers, bonus points and discounts during selected sale events when you shop at Takashimaya.
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.
HSBC Everyday Global Debit Card
S$0
N/A
18 years old
Apple Pay
Enjoy 0% foreign exchange fees on 10 supported currencies when you pay, remit or withdraw cash with this multi-currency debit card.
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What is a debit card and how does it work?

Debit cards are attached to your bank account and allow you to spend the money in that account. You can use your debit card to make purchases online and in-store and withdraw cash from ATMs. As soon as you make a purchase or withdraw money from an ATM using your debit card, the money will be deducted from your bank account.

What is a Visa card?

Visa is a payment processing network that helps consumers, businesses, banks, and governments facilitate electronic funds transfer throughout its global network via its Visa-branded cards. If you make a payment with a Visa debit card, for example, the transaction will be processed on Visa’s network from the merchant to the relevant bank.

Banks in Singapore usually offer cards with different payment processing networks options, such as Visa, Mastercard, American Express Credit Cards, or UnionPay. Whichever network is used, the company’s logo will be visible on the card.

Visa, Inc is headquartered in Foster City, California, United States.

What Visa debit cards are available in Singapore?

Here’s an overview for some of the most popular Visa debit cards in Singapore:

Visa debit cardsFeaturesEligibility and fees
DBS Visa Debit Card
  • Cash rebates. All contactless payments made via Visa payWave will receive Up to 3% Cashback
    in cashback (capped at $20 per month) as long as you spend at least S$500 per month on Visa and keep cash withdrawals to within S$400.
  • New cardholder benefits:
    • Sign up by 31 December 2020 to receive up to 10% cashback on online food delivery and local transport.
    • Spend at least S$500 in a month and keep your cash withdrawals are below S$400 for the same month to be eligible.
  • No foreign exchange fees. Link your debit card to your DBS Multi-Currency Account (MCA) and you can make same-day transfers and payments in 11 foreign currencies with no fees. Terms and conditions apply.
  • Contactless payments. Compatible with Apple Pay, Google Pay and Samsung Pay.
  • TransitLink SimplyGo. Pay for your rides on trains and buses conveniently with contactless payments.
  • At least 16 years old
  • No annual fees
DBS Takashimaya Debit Card
  • 3% voucher rebates at Takashimaya.
    • Earn 1 Takashimaya Bonus Point for every S$10 spent on your card
    • Every 100 Takashimaya Bonus Points can be redeemed for S$30 worth of Takashimaya Gift Vouchers
  • 10% discounts at sale events. 10% off at Takashimaya during special sale events.
  • Free delivery. Spend at least S$200 on a 10% promotion day or S$100 on all other days to be eligible.
  • Contactless payments. Transact conveniently with Visa payWave.
  • Other promotions. Over 1,000 shopping and dining deals at participating merchants islandwide.
  • At least 16 years old
  • Annual fee of S$5.00 (waived for the first 3 years)
OCBC YES! Debit Card
  • Unlimited 1% cash rebate:
    • 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
    • Requires a minimum spend of $400 per month to be eligible.
  • Exclusive deals and discounts. At partner merchants across various spending categories.
  • Free overseas ATM withdrawals. At any overseas OCBC ATMs.
  • At least 16 years old
  • No annual fees
OCBC FRANK Debit Card
  • Unlimited 1% cash rebate:
    • 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
    • Requires a minimum spend of $400 per month to be eligible.
  • All-in-one card. Combines all features of a debit, ATM and transport card.
  • Customisable card design. 60 stylish card designs to choose from.
  • Instant digital card. 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
  • At least 16 years old
  • No annual fees
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
  • Fuel discounts. Up to 20.3% fuel savings at Esso and 20% at Caltex
  • Earn LinkPoints:
    • 1% LinkPoints rebate on M1, Singtel and Starhub recurring bills
    • 0.22% LinkPoints rebate on all Visa spendings
  • Other promotions. 3% discount at Cheers and Popular
  • At least 16 years old
  • $24 annual fee (waived for the first year). Automatic waiver with at least $1,200 card spend in a year.
OCBC 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
  • Fuel discounts. Up to 20.3% fuel savings at Esso and 20% at Caltax
  • Earn LinkPoints.
    • 1% LinkPoints rebate on M1, Singtel and Starhub recurring bills
    • 0.22% LinkPoints rebate on all Visa spendings
  • Other promotions. 3% discount at Cheers and Popular
  • At least 16 years old
  • Must be an NTUC Union member
  • No annual fees
UOB ONE Debit Card
  • Earn rebates.
    • Up to 3% rebate on Dairy Farm Singapore transactions. Merchants include 7-Eleven, Jasons and Market Place. There is also a 1% rebate on Grab transactions.
    • Requires a minimum monthly spend of $500 on your UOB One Debit Card.
    • Rebates are capped at $20 per month.
  • TransitLink SimplyGo. Pay for your rides on trains and buses conveniently with contactless payments.
  • Earn bonus interest. Applies to your UOB One Account balance when you fulfil certain criteria (e.g. salary crediting, S$500 card spend and 3 GIRO transactions)
  • Exclusive perks. Enjoy dining deals and shopping discounts at participating merchants.
  • Free overseas ATM withdrawals. For UOB ATMs in Malaysia, Singapore and Thailand only.
  • Contactless and mobile payments. Visa PayWave and Apple Pay.
  • At least 16 years old
  • $18 annual fee (waived for the first 3 years). Automatic waiver with at least 12 Visa transactions per year.
HSBC Debit Card
  • Cash withdrawal from 800+ locations. Including 7-Eleven, Cold Storage, Guardian, HSBC ATMs and atm5 Network.
  • Free overseas cash withdrawals. $0 fee on when you withdraw cash at all eligible HSBC ATMs overseas. For HSBC Advance and Premier Debit Card customers only.
  • Contactless payments. Convenient cashless payment options including Apple Pay, Visa payWave, NETS and NETS FlashPay
  • TransitLink SimplyGo. Pay for your rides on trains and buses conveniently with contactless payments.
  • Other promotions. S$10 rebate on grocery spends and food delivery with your debit card.
  • Real-time notifications. Stay notified via SMS alerts for any card transactions exceeding alert threshold.
  • At least 16 years old
  • No annual fee
HSBC Everyday Global Debit Card
  • Foreign currency conversions. Convert currencies conveniently at your preferred rate with FX GetRate or FX Order Watch.
  • Cash withdrawal from 800+ locations. Including 7-Eleven, Cold Storage, Guardian, HSBC ATMs and atm5 Network.
  • Contactless payments. Convenient cashless payment options including Apple Pay, Visa payWave, NETS and NETS FlashPay
  • TransitLink SimplyGo. Pay for your rides on trains and buses conveniently with contactless payments.
  • At least 18 years old
  • No annual fee
  • S$2 fall-below fee if the average daily balance is less than S$2,000 or its equivalent
Maybank Manchester United Platinum Visa Debit Card
  • Win a LIVE experience. Chance to score a trip for two to watch Manchester United LIVE every football season.
  • Earn TREAT Points:
    • 5X Treats Points for every S$5 spent at the Manchester United Online store
    • 3X TREATS Points for every S$5 spent when Manchester United wins a Premier League match.
  • Manchester United related discounts:
    • 10% discount at United Direct Online Megastore when you enter code “MUFC” followed by the first 6 digits of your Manchester United card number during checkout.
    • 10% food and drinks discount at Red Cafe (located at Old Trafford, United Kingdom)
    • 20% discount on Manchester United Stadium and Museum Tour tickets purchase at the Old Trafford Football Grounds.
  • TransitLink SimplyGo. Pay for your rides on trains and buses conveniently with contactless payments.
  • At least 16 years old
  • $30 annual fee (waived for first 2 years). Automatic waiver with at least $1,200 card spend in a year.

*Information correct as at 2 November 2020
Debit cards in Singapore

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How do I compare Visa debit cards?

In order to take full advantage of your debit card, make sure to compare the following features before applying:

  • Supported currencies. Some cards allow you to hold multiple foreign currencies, which is beneficial if you travel or shop online often. Check to ensure that the currencies you deal with most are available and if there are any conversion fees.
  • Payment options. Most debit cards are equipped with contactless technology and compatible with Apple Pay, Google Pay and Samsung Pay. Check if the card comes with any of these features for convenient payment.
  • Annual fees. Check if the debit card you’re applying for comes with an annual fee. If so, find out if there are any fee waiver criteria.
  • Fall-below fees. Some banks will require that you maintain a minimum monthly balance in the account and may charge a S$2 to $5 fall below fee if you’re unable to do so.
  • Currency conversion charges. In addition to the exchange rate differences, the bank could also be charging you each time you convert your money to another currency.
  • Other fees. Read the fine print to see if you are subject to any other transactional fees, such as overseas ATM withdrawal fees.
  • Daily limits. Find out if the debit card comes with any spending limits (i.e. $1,000, $2,000, $3,000 per day)
  • Promotions. Select a card that offers rewards or rebates that suit your spending habits.

Which Visa debit card is best for me?

The best Visa debit card is one that suits your needs and spending habits. Before you apply for a card, make sure to compare its features, benefits and fees (if applicable) with other alternatives in the market.

What are the benefits of holding a Visa debit card?

  • Convenience of cashless transactions. You don’t have to worry about carrying sufficient cash when you’re out and about.
  • No risk of accumulating debt. You can easily stay accountable for your spending since the funds are deducted directly from your account balance. This way, you can avoid running a risk of making impulsive purchases that may choke up a debt with credit cards.
  • No interest charges. Credit cards are known for charging high interest rates and late payment fees. With debit cards, you don’t need to fret about staying disciplined and paying off your balance every month.
  • Use for transport. If your debit card has a SimplyGo function you can use it to tap for payment on buses and trains.

What I should look out for?

  • No grace period. Because funds immediately leave your account when you buy things, you can’t borrow funds on credit. A credit card does. It leaves cash at your disposal until the end of your next billing period.
  • Fewer rewards. Debit cards don’t usually come with competitive rewards compared to credit cards.
  • Doesn’t improve your credit score. By building your credit score, you’ll have access to lower interest rates when borrowing and increased credit limits. Your credit score is an important number that’ll impact your life.

    How can I apply for a Visa debit card?

    Debit cards have different eligibility criteria you will need to meet in order to apply. These can include:

    • Be of a certain age (typically 16 years old and above)
    • Be living in Singapore
    • Have a certain savings or current account with the respective bank
    • You may need to make a deposit

    Documents required

    You’ll typically need to bring the following with you:

    • Identification. For Singaporeans and permanent residents, make sure to bring along your NRIC. For foreigners, you’ll need to bring your passport as well as your Employment Pass (EP), S-Pass or Student Pass.
    • Proof of residential address. Your latest utility bill, account statement or letter from any government bodies.

      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.

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