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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 feesOnly pay for the things you buy and nothing else
60
card designsChoose a style you vibe with in our collection
1%
cashbackSave when you shop at ASOS, Lazada and more
0
FX transaction feesNo fees for shopping on selected overseas websites
card designs
Find your style
New!
Take the Shot
card idMON0004
Take the Shot
Slash
card idWIL0002
Slash
London's Calling
card idEXC0001
London's Calling
New!
Don't Lose Focus
card idMON0003
Don't Lose Focus
New!
Smell of Morning
card idMON0002
Smell of Morning
New!
Work Work
card idMON0001
Work Work
New!
Frosted
card idLIM0004
Frosted
New!
Path of Light
card idLAN0006
Path of Light
New!
Faroes
card idLIM0003
Faroes
New!
Fragility
card idLIM0005
Fragility
New!
Framed
card idLIM0002
Framed
New!
Fragment
card idLIM0001
Fragment
Midnight Meow
card idCUT0003
Midnight Meow
Pug Me Please
card idCUT0002
Pug Me Please
New!
Foxy
card idCUD0006
Foxy
Take Me to Broadway
card idURB0010
Take Me to Broadway
Femme Fatale
card idEXC0005
Femme Fatale
Say Cheese
card idURB0014
Say Cheese
new
Grey Fortress
card idLAN0002
Grey Fortress
new
Feline Good
card idCUD0007
Feline Good
new
Pawsome
card idCUD0001
Pawsome
new
Hush Hush
card idCUD0004
Hush Hush
new
Cotton Candy
card idCUD0008
Cotton Candy
Curious Cat
card idCUT0015
Curious Cat
new
Corgeous Smile
card idCUD0003
Corgeous Smile
Be My Cupcake
card idTEX0027
Be My Cupcake
A Place of Trust
card idART0006
A Place of Trust
Starry Starry Night
card idTEX0024
Starry Starry Night
new
Gone with the Wind
card idLAN0009
Gone with the Wind
new
Fly Me to the Moon
card idLAN0010
Fly Me to the Moon
new
Sea of Stars
card idLAN0011
Sea of Stars
new
From Dusk Till Dawn
card idLAN0007
From Dusk Till Dawn
new
Supersonic
card idLAN0005
Supersonic
Resurgence
card idART0014
Resurgence
Neon Dreams
card idART0002
Neon Dreams
The Night is Young
card idMOV0018
The Night is Young
new
Mountain High River Low
card idLAN0003
Mountain High River Low
new
Winter Wonderland
card idLAN0004
Winter Wonderland
Brave
card idART0009
Brave
new
Wish You Were Here
card idURB0029
Wish You Were Here
new
Gemini
card idCUD0005
Gemini
Nestled in My Nest
card idART0011
Nestled in My Nest
Surf's Up
card idMOV0024
Surf's Up
new
Jungle Book
card idCRA0002
Jungle Book
Passion is My Paycheck
card idART0004
Passion is My Paycheck
Cuddly Good
card idCUT0011
Cuddly Good
new
Cloud Avenue
card idLAN0008
Cloud Avenue
Jet Set Go
card idCLE0033
Jet Set Go
Wind Me Up
card idCUT0014
Wind Me Up
Dollar Man
card idURB0027
Dollar Man
Solid Gold
card idWIL0005
Solid Gold
new
Flow of Life
card idCRA0001
Flow of Life
Say it with Origami
card idART0003
Say it with Origami
new
Hey Corgeous
card idCUD0009
Hey Corgeous
Under the Comfort of Mother Nature
card idART1000
Under the Comfort of Mother Nature
new
Who Let the Dogs Out
card idCUD0002
Who Let the Dogs Out
Candy Seduction
card idWIL0009
Candy Seduction
Chomp Chomp
card idCUT0013
Chomp Chomp
Too Sexy for My Shoes
card idWIL0015
Too Sexy for My Shoes
Kiss Me
card idWIL0008
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 VisaPay 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
See all dealsShopee (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 customerForeigners
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
See all FAQHow 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.
blog
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The Broke Student's Guide to Adulting
Heya guys, I penned a post awhile ago regarding a couple of things you should prepare for in the year leading up to graduation, and I thought I'd write...
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.