FRANK Debit Card

All you need is one stylish card

Goodbye fat wallet. Goodbye boring bank cards.

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Why use the FRANK Debit Card?

It is a debit card, transport card and ATM card

Goodbye, fat wallet! Tap and pay for MRT, bus rides, ERP charges and even carparks with EPS Cepas 2. Withdraw cash and make NETS payments from 1,200 ATMs islandwide.

Choose from 120 of the coolest hand-picked card designs

With 120 unique designs, take your time to pick the one that you like best. Let your personality show every time you pay with your Frank Debit Card. Change your design as often as you fancy!

More ways to pay online and at merchants worldwide

With options like Visa / MasterCard, NETS, Visa payWave and NETS FlashPay at your fingertips, online and worldwide merchant transactions will be a breeze.

Let your personality shine with 120 unique card designs


It doubles as a transport card and ATM card

You may top-up at the General Ticketing Machines (GTM) found in the public transit, Local Bank ATMS, iNETS Kiosks and NETS Self-Service top-up machine.

FRANK Card Privileges

When you’re with FRANK, you get to enjoy fantastic privileges specially tailored for FRANK customers.

For more awesome deals, visit our ‘Hot Deals’ page.

Show me more Hot Deals


Faster payment with Visa payWave

Visa payWave lets you breeze through check out faster since you don’t need to fumble for cash. Simply wave your card in front of a secure reader and you’re on your way. Works for transactions below S$100. Widely accepted in Starbucks®, Subway®, Watsons and many more.

Use your fingerprint to check your bank balances with OCBC OneTouch on our Mobile Banking App.

Find out how much people like you are spending and saving, and see where others like you put their money.

Manage your money on the go with Mobile Banking. Scan and pay bills immediately anywhere. Available on iPhone and Android.

Transfer funds and send money to anyone easily. Available on iPhone and Android.

Money In$ights automatically shows exactly where your money is going.

It does all the hard work of organising and categorising your spending, leaving you free to do the things you really want to do.

It gives you a big picture of all your assets and liabilities on one page.

Go paperless with e-statements. Download and store your e-statements easily on your computer. You can retrieve your e-statements on Online Banking anytime, anywhere.

Set budgets and get alerts through SMS or email. Budgets are easy to stick to with SMS and email reminders. Every dollar counts when it comes to achieving your dreams.

People who write down their goals are 42% more likely to achieve them as compared to those who do not, according to a study conducted at Dominican University in California.

Save for your dreams with the Frank Savings Goals. You are more likely to overspend, if you don't develop a habit of setting aside a specific amount of money as savings. Always pay yourself first.

Set saving goals that make automatic savings each month, and track your progress towards each goal.

Set up your Savings Goals online with your own pictures. Cash placed in your Savings Goals are locked in. You can release that cash anytime via Online Banking.


FRANK Debit Card Design Fee Waiver

Eyeing a FRANK Debit Card? Here’s your chance to choose from over 120 card designs (U.P. S$10-S$20) for free if you sign up from 10 to 31 July this GSS!

This exclusive promotion is only available at our FRANK Stores (orchardgateway, VivoCity, SMU, NTU and Singapore Polytechnic) and limited to the first 3,000 customers.

Terms and Conditions for FRANK Debit Card Design Fee Waiver

FRANK Stores

Fees and charges

Annual fees:

More details

There are no annual fees for the FRANK Debit Card.

Design fees:

More details

FRANK Card Design Fee:

  • From S$0 – S$20 depending on card design.
  • To see how much your favourite card design costs, simply browse through our card gallery.

Replacement fees:

More details

For lost card or change of card design:

  • Card replacement fee is waived
  • Card design fee from S$10 – S$20 applies

Note: Up to 2 replacements in a 12 month period; 3rd replacement onwards will be charged a S$20 card replacement fee.

For damaged or faulty card

  • Card replacement fee is waived
  • Card design fee is waived if there is no change to the card design. If you wish to change your card design, card design fee from S$10 – S$20 applies

Am I eligible for the FRANK Debit Card?

You must be aged 16 and above to apply.

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How to apply

Apply Online

Apply online and get to choose from an additional 5 ‘online only’ designs.
Apply online now

Apply at a Frank Store

Visit any FRANK Store or OCBC Branches.
Frank store locations

Apply by SMS

SMS <FRANK> space <Name> space <NRIC> to 76062 and we’ll contact you within 3 business days.