THE CARD TO CLUE YOU
IN ON THE LATEST

Perfect for students

Decode tertiary life with your very own customised FOMO X FRANK Debit Card! With year-round cashback and hot deals, it would be a crime not to get this stylish card.

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

SMU FOMO X FRANK DEBIT CARD – PROMOTION

Enjoy up to S$30 when you take on the SMU Freshmen Perks Bundle with FRANK

By doing this, You'll get
Apply for both FRANK Account and FRANK Debit Card S$10
Top up a minimum of $500 into your FRANK Account S$5
Make at least a S$50 spend on your FRANK Debit Card by the end of the next month following card approval date S$15

Limited to the first 1000 approved cardholders to meet any or all the promotion tiers. To qualify for the second and third tiers, be sure to apply for both the FRANK Account and FRANK Debit Card first.

Insured up to S$75K by SDIC

Card deals and steals

See all deals
Nike

10% off regular-priced items and complimentary SUTL Life membership for one year with a min. of S$150 nett spent
SHOPEE BANK OF THE DAY

Get S$8 off with a min. spend of S$80, Limited to the first 400 redemptions every Monday
Lenovo

5% off Legion range of products. 10% off ThinkPad PCs. 20% off Monitor and Accessories
FILA

5% off regular-priced items (excluding socks and hat)
Before you apply

  • Eligibility

    Min. age

    16 years old

  • Fees for FRANK Debit Card

    Annual fees

    S$0

    Card design fees

    S$0

    Replacement fees

    S$0 for first 2 cards

    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

Prefer to do it IRL?

visit a FRANK store

with these documents.

FAQ

See all 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 FRANK Stores to request for 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 FRANK Stores to request for 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 3 card onwards.

Am I eligible?

Here's who can apply:
  • Anyone 16 years old and above
  • Singaporeans and Singapore PR
  • Foreigners with a valid pass

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 $400 in that calendar month to earn the bonus cashback
  • Promotion period 1 Nov – 31 Dec 2020
  • Capped at first 3000 registrations, and $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.
Replacement fees

A S$20 fee will be charged from 3rd replacement onwards.

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

Original Faculty/Hall Residence Letter issued by school with valid residential address

What you need to apply at a FRANK store

Singaporeans or Singapore PR

  • NRIC
  • Any of these documents that show your residential address: Phone bill / Utilities bill / Bank statement OR Income tax Notice of Assessment

Foreigners

  • Passport with 6 months' validity
  • Employment Pass, Special Pass or Student Pass
  • Valid government correspondence or notice that show your residential address from last 3 months OR Original Faculty/Hall Residence Letter issued by school with valid residential address
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.