Credit/Debit Cards

Cards

CREDIT & DEBIT CARDS

The joy of life is in the little things. Make sure you get the most out of your spending with the right card. Prefer to carry less cash around? Love to shop online? Love to dine out with your best friends? We have a card tailored for your exact lifestyle.

Debit Card

FRANK Debit Card

An everyday use card designed to reflect you.

1% rebate at selected online merchants and fast food restaurants (including Lazada, ZALORA, McDonalds, 7-Eleven, Grab, and more). 

Minimum spend: S$400

ELIGIBILITY:

  • 16 years old and above
  • No minimum income
  • No annual fee
Learn more
Credit Card

FRANK Credit Card

THE CARD FOR THE YOUNG, SAVVY WORKING ADULT.

6% online shopping rebate, and up to 5% entertainment rebate. It's time to get rebates when you hangout, eat out or checkout online - the things you already love doing. 

Minimum spend: S$400 (excluding online and NETS FlashPay Top-ups and Transit Link related transaction).

ELIGIBILITY:

  • 21 years old and above
  • Minimum annual income:
    S$30,000 for Singaporeans & PRs
  • Annual fees: S$80 a year
    (Waived for first 2 years)
Learn more
Credit Card

OCBC 365 Credit Card

THE CARD FOR EVERYDAY REBATES ALL YEAR ROUND

6% rebates for dining, 5% for petrol, 3% for groceries, Visa Signature Concierge, free travel insurance and more! 

Minimum spend: S$600

ELIGIBILITY:

  • 21 years old and above
  • Minimum annual income:
    S$30,000 for Singaporeans & PRs
  • Annual fees: S$192.60 a year
    (Waived for first 2 years)
Learn more
Saying it as it is

Credit vs Debit

When you use a debit card, money is taken from your account immediately when you use it. You can get a debit card as long as you have a savings account.

When you use a credit card, money is taken from your credit limit, and you have to pay it back later. Your credit limit is kind of like your spending limit. The higher your income, the higher the limit.

Saying it as it is

Make your cards work for you

Unlike what most people believe, credit cards don't make people go into debt. Bad spending habits make people go into debt. Here's the secret, pay for everything with your credit card. Your meals, your transport, grocery, shopping, bills and entertainment. Make sure you spend only what you can pay off.

At the end of the month you get to see all your spending for the month on a statement. From there, make adjustments and spot useless spending habits and subscriptions that would otherwise be impossible to track if you paid cash and kept receipts.

As long as you pay your credit card bills on time, the card becomes a valuable personal assistant, not a liability.

1 of 2
1 of 2

Join other trail-blazing young adults in getting monthly career & financial tips, written by those who have succeeded before.