How fast can you get a new debit card

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Spend a min. of SGD20 at BHG outlets and receive a SGD3 Gong cha voucher when you pay with NETS using your HSBC debit card.

Participating Merchants: BHG's Participating outlets shall be BHG at Bugis Junction, Lot One Shopper's Mall and Junction 8 Shopping Centre.

Spend a min. of SGD5 at Gong cha outlets and receive an exclusive with NETS to receive this exclusive BHG voucher on selected Beauty Library & Fashion Brands when you pay with NETS using your HSBC debit card.

Participating Merchants: Gong cha's Participating outlets shall be Gong cha at Bugis Junction, Causeway Point, Century Square, Compass one, Hougang Mall , Lot One Shopper's Mall, NEX, Northpoint, Singpost and Westgate.

While you may make a transaction on Day 1, the merchant may only process it a few days later – this is the posting date and what will count towards the minimum spending required within a month. 

We know you study hard, that's why we want you to play hard too. Get a stylish card, cashback for the things you love and hot deals all year round!

• 60 stylish designs to pick from
• Year-round deals
• Comes with FRANK Account to grow your savings

Apply now

Get a free Burpple Beyond Premium when you sign up for FRANK Debit Card. T&Cs apply.

Find out more

• S$0
  Annual fees

  

  Only pay for the things you buy and nothing else

• 60
  card designs

  

  Choose a style you vibe with in our collection

• 1%
  cashback

  

  Save when you shop at ASOS, Lazada and more

• 0
  FX transaction fees

  

  No fees for shopping on selected overseas websites

card designs

Find your style

• New!

  

  Take the Shot

  card id

  MON0004
  

  Take the Shot

• 

  Slash

  card id

  WIL0002
  

  Slash

• 

  London's Calling

  card id

  EXC0001
  

  London's Calling

• New!

  

  Don't Lose Focus

  card id

  MON0003
  

  Don't Lose Focus

• New!

  

  Smell of Morning

  card id

  MON0002
  

  Smell of Morning

• New!

  

  Work Work

  card id

  MON0001
  

  Work Work

• New!

  

  Frosted

  card id

  LIM0004
  

  Frosted

• New!

  

  Path of Light

  card id

  LAN0006
  

  Path of Light

• New!

  

  Faroes

  card id

  LIM0003
  

  Faroes

• New!

  

  Fragility

  card id

  LIM0005
  

  Fragility

• New!

  

  Framed

  card id

  LIM0002
  

  Framed

• New!

  

  Fragment

  card id

  LIM0001
  

  Fragment

• 

  Midnight Meow

  card id

  CUT0003
  

  Midnight Meow

• 

  Pug Me Please

  card id

  CUT0002
  

  Pug Me Please

• New!

  

  Foxy

  card id

  CUD0006
  

  Foxy

• 

  Take Me to Broadway

  card id

  URB0010
  

  Take Me to Broadway

• 

  Femme Fatale

  card id

  EXC0005
  

  Femme Fatale

• 

  Say Cheese

  card id

  URB0014
  

  Say Cheese

• new

  

  Grey Fortress

  card id

  LAN0002
  

  Grey Fortress

• new

  

  Feline Good

  card id

  CUD0007
  

  Feline Good

• new

  

  Pawsome

  card id

  CUD0001
  

  Pawsome

• new

  

  Hush Hush

  card id

  CUD0004
  

  Hush Hush

• new

  

  Cotton Candy

  card id

  CUD0008
  

  Cotton Candy

• 

  Curious Cat

  card id

  CUT0015
  

  Curious Cat

• new

  

  Corgeous Smile

  card id

  CUD0003
  

  Corgeous Smile

• 

  Be My Cupcake

  card id

  TEX0027
  

  Be My Cupcake

• 

  A Place of Trust

  card id

  ART0006
  

  A Place of Trust

• 

  Starry Starry Night

  card id

  TEX0024
  

  Starry Starry Night

• new

  

  Gone with the Wind

  card id

  LAN0009
  

  Gone with the Wind

• new

  

  Fly Me to the Moon

  card id

  LAN0010
  

  Fly Me to the Moon

• new

  

  Sea of Stars

  card id

  LAN0011
  

  Sea of Stars

• new

  

  From Dusk Till Dawn

  card id

  LAN0007
  

  From Dusk Till Dawn

• new

  

  Supersonic

  card id

  LAN0005
  

  Supersonic

• 

  Resurgence

  card id

  ART0014
  

  Resurgence

• 

  Neon Dreams

  card id

  ART0002
  

  Neon Dreams

• 

  The Night is Young

  card id

  MOV0018
  

  The Night is Young

• new

  

  Mountain High River Low

  card id

  LAN0003
  

  Mountain High River Low

• new

  

  Winter Wonderland

  card id

  LAN0004
  

  Winter Wonderland

• 

  Brave

  card id

  ART0009
  

  Brave

• new

  

  Wish You Were Here

  card id

  URB0029
  

  Wish You Were Here

• new

  

  Gemini

  card id

  CUD0005
  

  Gemini

• 

  Nestled in My Nest

  card id

  ART0011
  

  Nestled in My Nest

• 

  Surf's Up

  card id

  MOV0024
  

  Surf's Up

• new

  

  Jungle Book

  card id

  CRA0002
  

  Jungle Book

• 

  Passion is My Paycheck

  card id

  ART0004
  

  Passion is My Paycheck

• 

  Cuddly Good

  card id

  CUT0011
  

  Cuddly Good

• new

  

  Cloud Avenue

  card id

  LAN0008
  

  Cloud Avenue

• 

  Jet Set Go

  card id

  CLE0033
  

  Jet Set Go

• 

  Wind Me Up

  card id

  CUT0014
  

  Wind Me Up

• 

  Dollar Man

  card id

  URB0027
  

  Dollar Man

• 

  Solid Gold

  card id

  WIL0005
  

  Solid Gold

• new

  

  Flow of Life

  card id

  CRA0001
  

  Flow of Life

• 

  Say it with Origami

  card id

  ART0003
  

  Say it with Origami

• new

  

  Hey Corgeous

  card id

  CUD0009
  

  Hey Corgeous

• 

  Under the Comfort of Mother Nature

  card id

  ART1000
  

  Under the Comfort of Mother Nature

• new

  

  Who Let the Dogs Out

  card id

  CUD0002
  

  Who Let the Dogs Out

• 

  Candy Seduction

  card id

  WIL0009
  

  Candy Seduction

• 

  Chomp Chomp

  card id

  CUT0013
  

  Chomp Chomp

• 

  Too Sexy for My Shoes

  card id

  WIL0015
  

  Too Sexy for My Shoes

• 

  Kiss Me

  card id

  WIL0008
  

  Kiss Me

An all-in-one card

Use it as your ATM card, transport card and debit card to earn cashback

Instant digital card

Get your debit card and account on the spot when you apply online

Money In$ights

A 24/7 accountant shows you where your money goes each month

Learn more

Click to pay with Visa

Pay with fewer clicks

Online payments are now made easy when you Click to Pay with Visa. Visa Cardmembers can now simply select the Click to Pay icon

Learn more

unlimited 1% cashback on

• fast food

  

• Online shopping

• convenience stores

• Transport

  

• Order online or in-store at any Fast Food restaurant

• ASOS

  FairPrice Online

  Lazada

  iHerb

  ZALORA

• Cheers

  7-Eleven

• Comfort and CityCab

  Go-Jek

  Grab

  Ta-da

Earn cashback with min. S$400 spend a month on these merchants and more.
See terms and conditions

FRANK Debit card + Account

Maximise your debit card with the FRANK account

• S$0

  initial deposit

  

  Open the account with no initial deposit

• S$0

  fall below fees

  

  For youths below 26 years old

• 4x

  higher interest

  

  Earn up to 0.2% a year in interest

Learn more

Spend and earn promo

Enjoy up to $30 cashback

The more you spend, the more you earn. From now till 31 December 2022, spend with your FRANK Debit Card and get up to $30 cashback when you hit the minimum spend of each spending tier. Limited to the first 1,000 eligible customers.

Terms and conditions apply.

Sign up now

Earn extra ‘ka-ching’ when you travel

Get 1.5% cashback (capped at S$20) when you spend a minimum of S$450 on flight or hotel bookings with your FRANK Debit Card from 1 October to 30 November 2022. Eligible for both foreign currency and local spends. Limited to the first 1,500 cardmembers to register and meet the minimum spend criteria. T&Cs apply.

Register now

Sign up and spend promotion

Enjoy dining deals and greater dining options. Valid till 31 December 2022.

Sign Up Promotion
Get a year-long Burpple Beyond Premium membership worth S$99! Sign up for a FRANK Debit Card and make 5 qualifying spend by the end of next month following your card approval.

Valid for new cardmembers who have successfully signed up for a FRANK Debit Card by by 31 December 2022. Terms and conditions apply.

Card deals and steals

Shopee (New Customers)

S$8 off with a min. spend of S$16

KKday

Up to 10% off

Din Tai Fung

Receive a S$8 return voucher with a min. spend of S$88

Omnidesk

8% off with a min. spend of S$450

Earn up to S$30 cashback

Get S$1 cashback for every transaction (minimum spend of S$20) you make with your FRANK Debit Card. Accumulate up to S$15 cashback each month, for a total of S$30 over the course of the promotion. Only customers who receive the eDM/SMS will be eligible to participate.

Learn more

Before you apply

• Eligibility

  Min. age

  16 years old

• Fees for FRANK Debit Card

  Annual fees

  S$0

  Card design fees

  S$0

  Card replacement fees

  Waived for first 2 replacements within 12 months from the first card replacement

  Fees for foreign currency transactions

  3.25%

  Currency conversion fee

  2.80%

• Fees for FRANK account

  Initial deposit

  S$0

  Monthly service fees

  S$0

• what to prepare

  Singaporeans or Singapore PR

  NRIC
  Documents for new OCBC customer

  Foreigners

  Passport with 6 months' validity
  Employment Pass, Special Pass or Student Pass
  Documents for new OCBC customer

Get your digital card instantly

Apply online

No Singpass account? Let us guide you through the application process from start to finish.

FAQ

• How long does it take for new/replacement card to reach me?

  It takes about 10 working days.

• How do I change my card design?

  You may submit the Debit Card Maintenance Form indicating the NEW design of your choice. Alternatively, you may head down to any OCBC Branches to request for a change of card design.

• My card is expiring soon. What should I do?

  A renewal card will be sent to you one month before it expires. Your card will be mailed to your mailing address.

• Can I change my card design once it expires?

  You may submit the following form - Debit Card Maintenance Form indicating the NEW design of your choice. Alternatively, you may head down to any OCBC Branches to request for a change of card design.

• What are the replacement charges for the FRANK Debit Card?

  Card replacement fee is waived for up to 2 replacement in 12 months period and a S$30 card replacement fee applies from 3rd card onwards. From 1 January 2023, the card replacement fees from 3rd card replacement onwards will be updated to S$32.40.

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• Terms and conditions

  • Terms and Conditions Governing FRANK Debit Card 1% Rebate (with effect of 1st April 2021)
  • Terms and Conditions Governing Card Replacement here
  • Terms and Conditions Governing the New FRANK Debit Card Application Promotion

• Important notices

  • Removal of NETS FlashPay feature on FRANK Debit Cards
  • FAQ - Removal of NETS FlashPay on FRANK Cards
  
  

  With effect from 18 June 2016, the Debit Cardmembers' Agreement will be revised to address, among other matters, amendments and provisions relating to the introduction of digital payment services and malware risks. Please view the revised Debit Cardmembers' Agreement

• Deposit Insurance Scheme

  Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Am I eligible?

Here's who can apply:

• Anyone 16 years old and above
• Singaporeans and Singapore PR
• Foreigners with a valid pass

Your application will not go through if you apply for a 2nd FRANK Debit Card and link it to the following accounts:

• A savings/current account with an existing FRANK debit card linked
• A joint savings account
• Current/Savings account with a negative balance
• Plus! savings account

1% cashback for selected merchants

Fast food

Order online or in-store at any Fast Food restaurant

Online shopping

• ASOS
• FairPrice Online
• Lazada
• iHerb
• ZALORA

Convenience stores

• Cheers
• 7-Eleven

Transport

• Comfort and CityCab
• Go-Jek
• Grab
• TADA

6% Online cashback campaign for FRANK Debit card Customers

• 6% cashback at Lazada, McDonald’s, foodpanda, Shopee and Taobao
• Must meet minimum spend of S$400 in that calendar month to earn the bonus cashback
• Promotion period 1 Nov – 31 Dec 2020
• Capped at first 3000 registrations, and S$20 per customer

How to Register:

• SMS FRANK <space> Last 6 digits of your FRANK Debit Card to 72377
• Example: “FRANK 123456”
• Once successful, a registration confirmation SMS will be sent to you.

Card replacement fees

Card replacement fees is waived for up to 2 replacements within 12 months from the first card replacement. A S$30 card replacement fee applies from the 3rd card onwards (S$32.40 from 1 January 2023).

Monthly service fees

If you are above 26 years old, there will be a monthly service fee of S$2 should your daily average balance fall below S$1,000.

Singaporean or Singapore PR

Any of these documents that show your residential address:

• Phone bill
• Utilities bill
• Bank statement

or

Income tax Notice of Assessment

Foreigners

Valid government correspondence or notice that show your residential address from last 3 months

or

Submit original Faculty/Hall Residence Letter issued by school with valid residential address at any OCBC Branches or on designated days at the FRANK Stores.

What you need to apply without a Singpass Account

Once your online application has been received, a physical application form will be mailed to you. Upon receipt, please submit the form along with these documents to the bank.

Singaporeans or Singapore PR

• NRIC
• Any of these documents that show your residential address: Telco bill / Utilities Bill / Bank Statement OR Income Tax Notice of assessment

Foreigners

• Passport with 6 months validity
• Student Pass, Special Pass or Employment Pass
• Any of these documents that show your residential address:
  • Telco bill
  • Utilities bill
  • Bank Statement
  • Income Tax Notice of assessment
  • Tenancy Agreement with Stamp Duty
  • Faculty/Hall of Residence Letter from your school*
  • Letter from Employer*

*For these documents, please head down to a FRANK Store on designated days to submit.

Removal of NETS FlashPay feature on FRANK Debit Cards

FRANK Debit Cards that are replaced on renewed from 24 June 2019 onwards will not have the NETS FlashPay feature. If you are still holding on to an existing FRANK Debit Card with NETS FlashPay, you may continue to use it.

See FAQ

Terms and Conditions Governing Card Replacement

• I agree that the card design fee paid by me will not be refunded nor be used to pay for a similar or different card design selected by me when I replace my card for any reason whatsoever.
• I accept that my existing card will be terminated by OCBC Bank if I change or replace the card design on my card to or with another design. I agree to surrender my existing card to OCBC Bank for cancellation when I submit my application to change or replace the card design.

I hereby irrevocably and unconditionally:

• confirm that I have read, understood and agreed to be bound by the terms and conditions set out in this application form;
• represent and warrant that all information provided by me in this application is true and complete and undertake to notify OCBC Bank immediately of any change in such information;
• confirm that I am not an undischarged bankrupt and there has been no statutory demand served on me;
• authorise OCBC Bank to verify information given in this application with any party (including, without limitation, with any credit bureau or any other organisation or corporation set up for the purpose of collecting and providing information relating to the credit standing of persons) without reference to me;
• consent for OCBC Bank to disclose any information whatsoever relating to me as OCBC Bank shall consider appropriate to any person to whom disclosure is permitted or required by any applicable law or to any other person wherever situated for any purpose. Without prejudice to the foregoing, I consent to such disclosure to any credit bureau or any other organisation or corporation set up for the purpose of collecting and providing information relating to the credit standing of persons, and to the disclosure by such credit bureau or other organisation or corporation to any member thereof, for the purposes of assessing my creditworthiness or for other purpose whatsoever; and
• agree that OCBC Bank has the absolute discretion to decline my application for a FRANK Debit Card and/or FRANK Account without giving any reason and to retain the documents submitted as property of OCBC Bank.

0 Foreign currency transaction fees

• Link your Global Savings Account to make online transactions in the account currencies with zero foreign currency transaction fees.
• Save in eight major currencies such as AUD, CAD, CNH, EUR, GBP, NZD, USD and HKD with just one account.
• Plus earn up to 0.02% a year on selected currencies.

Apply for a Global Savings Account or visit our FAQ page for more questions. T&Cs apply.

Fees for foreign currency transactions

Foreign currency transactions, other than USD transactions, are converted to USD first before being converted to SGD based on the rate determined by the respective card associations.

All foreign currency transactions are subjected to a currency conversion charge imposed by the respective card associations (1%) and a bank administrative fee (2.25%) of the foreign currency transaction amount.

However, If your Global Savings Account is linked to your FRANK Debit Card and you have sufficient foreign currency funds in your account, your overseas ATM cash withdrawals and purchases made in such foreign currencies using the FRANK Debit Card will be automatically deducted from your respective foreign currency accounts without incurring foreign currency transaction fees. Otherwise, we will deduct funds from your SGD account linked to your FRANK Debit Card and fees for foreign currency transactions will apply.

Currency conversion fee

An additional fee will be levied on all Visa and MasterCard transactions effected in Singapore dollars and processed overseas (including online transactions). This includes but is not limited to (i) any Visa or MasterCard retail transaction presented in foreign currency that you choose to pay in Singapore dollars via dynamic currency conversion and (ii) any online retail card transaction charged to your Visa and MasterCard cards on overseas websites in Singapore dollars. The additional fee charged is 2.8% on all converted Singapore dollar amounts for each Visa and MasterCard transaction.

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