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DEBIT CARD

FRANK Debit Card

Your passport to the world of FRANK. Save when you spend on the things you already love. 

  • *NEW* - Receive and use your digital card instantly when you apply via MyInfo.
  • Choose from our selected stylish card designs.
Apply now

The card to match your personality

Perfect for students

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

Get a Time-Limited MLBB card design when you sign up for a 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
    ART0010
    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 upon checkout and that’s it!

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
ONLINE ACQUISITION PROMOTION (BURPPLE)

GET A YEAR-LONG BURPPLE BEYOND PREMIUM MEMBERSHIP WORTH S$99! SIGN UP FOR A FRANK DEBIT CARD AND MAKE 5 QUALIFYING SPEND WITHIN 30 DAYS OF YOUR CARD APPROVAL. VALID TILL 31 DECEMBER 2023.

Terms and conditions apply.

Happening now

Exclusive MPL SG Card Designs

FRANK X MPL SG S5 IS HERE!

From now till 7 May 2023, sign up for a FRANK Debit Card and get your hands on a Time-Limited MLBB card design! Join the FRANK X MPL SG S5 Coin Quest to redeem in-game rewards, plus stand a chance to win attractive prizes like Samsung Galaxy S23 Ultra 256GB worth S$1,828! What’s more, enjoy S$5 cashback each when you refer a friend to apply.

Terms and conditions apply. Please noted that you will not be eligible for the Burpple Beyond Premium Membership if you apply for a MLBB card design.

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

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

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 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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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.

Redeem cashback with these spend tiers

SPEND TIERS TOTAL CASHBACK
$500 $10
$900 $20
$1,200 $30