Excellent! ROSHI has found 19 Debit Cards that suit your criteria.

HSBC Everyday Global Debit Card

4.0Good to Excellent
  • Enjoy 5% rebate each month, on everyday essentials.
  • Enjoy SGD20 rebate on online purchases.
Apply Now

On HSBC's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

NTUC Plus! Visa Debit Card

4.8Good to Excellent
  • 8% off at FairPrice stores, Unity and Warehouse Club.
  • 7% off at FairPrice On.
Apply Now

On OCBC's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

Maybank Platinum Debit Card

3.6Good to Excellent
  • Earn TREATS Points for retail or online purchases when you pay via Mastercard.
  • Enjoy year-long TREATS privileges.
Apply Now

On Maybank's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

UOB KrisFlyer Debit Card

4.2Good to Excellent
  • Earn up to 6.4 KrisFlyer miles per S$1 spend (salary credit).
  • Exclusive airline priviliges.
  • Complimentary travel perks.
Apply Now

On UOB's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

DBS Takashimaya Debit Card

4.2Good to Excellent
  • 3% voucher rebates - earn 1 Takashimaya Bonus Point* with every S$10 charged.
  • Redeem S$30 worth of Takashimaya Gift Vouchers with every 100 Takashimaya Bonus Points.
  • Additional 10% off during selected sale events in-store.
Apply Now

On DBS's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

OCBC YES! Debit Card

3.6Good to Excellent
  • Enjoy 1% rebate on your daily Visa spend for selected categories.
  • Withdraw cash worldwide.
  • Exclusive deals on entertainment, travel, dining and more.
Apply Now

On OCBC's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

PAssion POSB Debit Card

4.6Good to Excellent
  • 10% cashback on dining and groceries for new cardmembers.
  • 4% rebate at Cold Storage, Market Place, Jasons, Giant and Guardian (online and in-stores).
  • 1-for-1 tickets every weekend in August*NEW* at S.E.A AquariumTM, Sentosa FUN PASSTM, Singapore Cable Car and Cathay Cineplexes.
Apply Now

On POSB's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

OCBC Plus! Visa Debit Card

4.8Good to Excellent
  • 4% off at FairPrice stores, Unity and Warehouse Club.
  • 3% off at FairPrice On.
Apply Now

On OCBC's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

Maybank Manchester United Platinum Visa Debit Card

3.8Good to Excellent
  • Chance to win a trip for 2 to watch Manchester United LIVE every football season.
  • 10% discount at United Direct Online Megastore.
  • 10% discount at Red Cafe, Old Trafford on food and drinks.
Apply Now

On Maybank's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

HomeTeamNS-PAssion-POSB Debit Card

4.6Good to Excellent
  • Exclusive HomeTeamNS and PAssion benefits with up to 2% cash rebate.
  • 1-for-1 offers on 10th day of every month.
  • Exclusive privileges with HomeTeamNS and PAssion memberships.
Apply Now

On POSB's website

Account Information

  • Base Interest Rate

  • AmountInterest Rate (p.a.)

Fees and Charges

Cheque Book Fee

  • Debit Cards Basics

  • FAQs

  • Ask Away

How Exactly Does a Debit Card Work?

A debit card works much like a credit card except without the ability to spend more money than you have. The purchases you make with it are immediately taken from your bank account. Purchases that exceed your total balance will be declined.

You can use a debit card to make online purchases as well.

What are the Advantages of Using a Debit Card?

Easy Access to Your Money
Instead of needing to carry cash around with you, you can withdraw the exact amount you need for a purchase electronically without needing to step foot in a bank.
Online & Overseas Purchases
A debit card allows you to make purchases wherever you are without needing to bother exchanging money.

What are the Disadvantages of Using a Debit Card?

You’ll Need to Pay Monthly Fees
Most if not all debit cards come with a small monthly or annual fee. Check the terms and conditions of your bank account to learn what yours are.
ATMs Outside Your Bank’s Network Charge an Extra Fee
If you use an ATM that isn’t specifically for your bank, you will need to pay a small fee. The fee varies depending on what ATM you are using.

Best Debit Cards in Singapore (2020)

Debit CardPerks
DBS Debit CardNo Annual FeesApply Now
UOB One Debit CardOnline ShoppingApply Now
HSBC Everday Global Debit CardFrequent Travellers Apply Now
OCBC Yes! Debit CardTransportation and FoodApply Now
Standard Chartered Business Credit CardNo Rebate Cap and Minimum SpendApply Now

What are the Differences Between Debit and Credit Cards?

Debit cards are very similar to credit cards except that you use your own money instead of borrowing it and paying it back at the end of the month. Debit cards don’t come with interest charges, so they save you a little more than credit cards. That being said, you have a limited amount of money to use.

Credit cards are best for people who make regular payments to certain business niches, allowing them to gain certain rewards and bonuses. Debit cards are better for those that don’t spend much and want to avoid the risk of getting into debt.

What are Some Major Debit Card Features?

There are a number of features to consider before choosing a debit card:

No Monthly Fees
If you look hard enough, you can find a debit card that will only charge you an annual fee instead of a monthly fee.
Third Party Logos
Third party logos that improve the usefulness of your debit card are either the Visa or Mastercard logos.
Free ATM Usage
You can only use ATMs that are linked to your bank without paying a fee. However, once you learn the location of these ATMs, you can save quite a bit of money this way.
Contactless
Debit cards allow you to make transactions without needing to do anything other than click a few buttons on your device and input the various information for your card. You can then have an item delivered straight to your door without even needing to pay cash or anything.
Reduced Risks of Fraud
Since you have a unique PIN for your debit card, a thief wouldn’t even be able to use it if they managed to steal it! You could easily get the card frozen before they found a way around it, if such a way even existed.
Student Debit Cards
If you are a student, getting a student debit card will provide you with all the usual benefits as well as other advantages, such as no monthly fee.

Do I Get to Choose a PIN for My Debit Card?

Of course, you do. It is important that you have your own PIN that no one else knows about. In fact, banks should recommend that you change your PIN right away and then take a new one every 3-6 months.

What Type of Bank Accounts can be Linked to a Debit Card?

Typically, you can link any kind of bank account to a debit card. The account must have a SWIFT code and match the name of your card to do so, however.

How can I Get a Debit Card?

You need to have an active transaction account before you can get a card. Pick your desired transaction account, then fill out the application form through your chosen bank. The debit card will then be sent to you within a week or two.

What is the Meaning of Overdrawing?

Overdrawing occurs when you draw out more than your account contains. Basically, when you hit zero balance and are still able to draw a small amount more, you gain a negative balance. This is called overdrawing.

Will My Debit Card Work When I Have Zero Balance?

It will if you have an overdraft set up. This will allow you to use a small amount of extra money. Repaying this money will include a heavy fee, however. The longer your account remains empty, the bigger this fee will be.

How Does a Cashback Debit Card Work?

Cashback debit cards allow you the chance to earn a small amount of your spending back in cash. You need to reach a minimum spend each month in order to get it.

Can I Use My Savings Account with a Debit Card Too?

You can see what is in your savings account with your debit card, assuming you’ve linked it. However, you can’t use the money in your savings account until you transfer it to a cheque account.

What Do I Do if I Lose My Card?

Immediately call your bank and get the card frozen. The bank will then send you a new card and get you to set up a different PIN.

Can I Have More than One Card with the Same Account?

You, as the primary account owner, will be responsible for all cards, but yes, you can have more than one card for multiple people in some instances.

Do Debit Cards Work Overseas?

You may need to activate your card for overseas use. Most cards do work overseas but will incur additional fees when doing so.

Can You Get a Credit Card Under the Age of 18?

You can get a basic debit card, but not a Master or Visa card.

What Do I Do if My Accounts Show Discrepancies Online?

Check first with any other cardholders that use your account. If you still find issues with your numbers, contact your bank right away and they’ll help you sort it out.

How Come the Bank Has Approved a Transaction that I Can’t Afford?

It could be due to two transactions being completed at the exact same moment or a slow clearing check. Avoid getting extra charges by getting an overdraft account.

What Do I Do When an ATM Gives Me the Wrong Amount of Money?

Contact your bank right away so that they can check the system and get the correct amount to you.

Does My Card have PayWave?

Cards that utilize payWave have a little symbol on them that says so. If your card doesn’t have it, call your bank and have them get you a new card that does.

What is a Foreign Transaction Fee?

A foreign transaction fee occurs when you make a purchase while overseas. You will typically need to pay 3% of the purchase cost extra.

What is a CVV Number?

A CVV, or card verification value, is the three-digit number on the back of your debit card. It is used as an extra line of security to reduce the chances of fraud.

Is It Dangerous to Use a Debit Card?

There are a few concerns that come with using a debit card. Take a look:

Overdrawing
As we’ve mentioned, overdrawing comes with certain extra fees. Keep track of your money to make sure you don’t go over your account’s spending limit.
Lost or Stolen Cards
Obviously, if you lose your debit card, there is a risk that someone could get access to the funds in your account. Thankfully, security measures these days are quite good, making this difficult to occur. However, you must still be careful to keep track of your cards.

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