LIVE, PLAY AND EARN
UNLIMITED CASHBACK

Perfect for students

You want to play hard and live your best life – we get it. That is why the FRANK Debit Card gives you the freedom to earn rewards on your own terms. With nothing stopping you, there are no limits to what you can earn!

Have a Singpass account? Apply easily using MyInfo and get instant approval.

  • 1% in unlimited cashback

    on all the things you love

  • S$0 Annual Fees

  • Over 60 card designs

    to own your style
Register for the Coldplay draw
SIGN-UP PROMO

COLDPLAY TICKETS AND MORE

Get rewarded when you apply for a FRANK Debit Card via this page!

S$10 GIFT VOUCHER/CASHBACK*

*Type of reward varies for each roadshow.

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1 CHANCE IN the COLDPLAY DRAW

We have 5 pairs of suite tickets up for grabs!

After you apply for the card, don't forget to enter the Coldplay draw via this e-form. T&Cs apply.

REFER YOUR FRIENDS

EARN MORE CHANCES FOR THE COLDPLAY DRAW

Increase your odds of seeing Coldplay live by referring your friends to the FRANK Debit Card! Every successful referral will get you 2 extra chances – so leave no chances behind.

Get your unique referral link

Enter the following details to generate your unique referral link and share it with your friends. Please ensure that your details are entered accurately so that we can award you for your referrals!

8 DIGITS OF YOUR MOBILE NUMBER

LAST 8 DIGITS OF YOUR FRANK DEBIT Card

Please ensure that your details are correct.

By participating in the Promotion, both the Referrer and the Referred Individual consent to the following:

  • the Referrer consents to having the referrals and his or her name disclosed to the person(s) referred by them to OCBC Bank, and
  • the Referred Individual consents to having his or her name and status of successful signing up under the Promotion disclosed to the Referrer.

unlimited 1% in cashback on

  • Online shopping

  • convenience stores

  • Transport

  • Fast food

  • Drinking places

  • Eco Friendly

  • Taobao
    Lazada
    SHEIN
  • Cheers
    7-Eleven
  • Comfort and CityCab
    Go-Jek
    Grab
    Ta-da
    SimplyGo
    SBS Transit
  • Order online or in stores at selected fast food and dining merchants
  • Zouk
    Stickies
    Harry's
    Cash Studio
  • BlueSG
    Ugly Food
    Scoop Wholefoods
    View more

Earn cashback when you spend at least S$400 a month at these merchants and more.
See Terms and Conditions.

FRANK DEBIT CARD + ACCOUNT

LEVEL UP YOUR SAVINGS GAME WITH THE FRANK ACCOUNT

  • S$0
    initial deposit

    You don't need a single dollar to get started. Just open the account and you're good to go!

  • S$0
    fall below fees

    Saving up for something big or looking to stretch your budget further? Do it all without any fear of extra charges.

  • 4x
    higher interest

    Grow your savings while you live your best life with up to 0.2% a year in interest.

Learn more
FIND YOUR #FRFR AESTHETIC

MATCH YOUR DRIP WITH MORE THAN 60 CARD DESIGNS

  • new

  • new

  • new

  • new

  • new

  • new

  • new

  • new

  • new

  • new

  • new

SEE ALL CARD DESIGNS

USE YOUR DIGITAL CARD INSTANTLY

Don't have time to waste? Access your debit card and account right away when you apply online.

MEET YOUR NEW ALL-IN-ONE SIDEKICK

The all-in-one debit card that's always got your back – and earns you real perks along the way.

GET YOUR CASH FIX IN A FLASH

No card, no problem. Simply hit up any OCBC ATM to withdraw cash conveniently using the QR code. It's that easy!

KICKSTART YOUR FINANCIAL INDEPENDENCE

Take control of your everyday finances and keep track of your expenses with a 24/7 accountant at your fingertips.

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

  • APPLICATION GUIDE

    Singaporeans or Singapore PR with Singass (Instant Approval)

    Apply with MyInfo via Singpass

    Foreigners

    Apply via form application or visit any FRANK store

READY TO SIGN UP, FOR REAL FOR REAL?

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.

DID YOU PASS THE VIBE CHECK?

Here's who can apply for a FRANK Debit Card:
  • Anyone aged 16 to 25 years old
  • Singaporeans and Singapore PR
  • Foreigners with a valid pass
The FRANK Debit Card CANNOT be tagged to the following bank 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
  • Non-OCBC bank account

If this all sounds too foreign, you can simply apply for a new FRANK Account for free!

1% cashback for selected merchants

Fast food

Order online or in stores at selected fast food and dining merchants.

Online shopping

  • Taobao
  • SHEIN
  • Lazada

Convenience stores

  • Cheers
  • 7-Eleven

Transport

  • Comfort and CityCab
  • Go-Jek
  • Grab
  • Ta-da
  • SimplyGo
  • SBS Transit

Drinking establishments

  • Zouk
  • Harry's
  • Stickies
  • Cash Studio

Eco-friendly merchants

  • BlueSG
  • Scoop Wholefoods
  • Ugly Food
  • And more

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.
Replacement fees

A S$20 fee will be charged from 3rd replacement onwards in the calendar year.

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

Eligible Green merchants

Eco-transport services

  • BlueSG
  • SimplyGo (for bus/train rides)^
  • Charge+
  • Electric Vehicle Charging
  • Greenlots
  • SG Bike

Eco-retailers

  • August Society
  • Bamboo Straw Girl
  • Boxgreen
  • BYKURAHOME
  • Glife
  • Handmade Heroes
  • Little Farms
  • Minimakers
  • Omno.Store
  • Scoop Wholefoods
  • Sigi Skin
  • SOJAO
  • The Sustainability Project
  • Treedots
  • Ugly Food
  • Your Sustainable Store

Applying for a FRANK Debit Card?

Tip: Apply via Myinfo if you have a Singpass account for easy application & instant approval. Don't have a Singpass account? Register online in just 5 mins

For Foreigners, you may apply via application form or visit any FRANK store.