UOB Direct Visa Debit Card

You'll Love

  • Up to 10% rebate.1 No minimum spend required.
  • Up to 3.33% p.a. on your savings with UOB One Account,
    when you spend S$500 monthly.
  • Added convenience with Mighty Pay3 or Apple Pay3 and
    Transport Capabilities.
  • Travel perks and withdraw cash overseas with no additional changes4.

You'll Need

  • Be at least 16 years old
  • A UOB Savings or Current account
  • No minimum income requirements
Apple Pay The new simple and secure way to make payments. Find out how.


Earn up to
10% rebate

Enjoy SMART$ rebates1 at over 900 participating outlets and use it to offset your next purchase.

Participating merchants:

The Coffee Bean & Tea Leaf
Cold Storage
and many more…

Read more
Up to 3.33% p.a. interest with UOB One Account

Earn higher interest when you spend on your UOB Direct Visa Debit Card.

Read more
Added Convenience

Enjoy fast, contactless payment with Visa payWave, or turn your mobile device into an electronic wallet3 with Mighty Pay or Apple Pay. Conveniently pay for MRT/LRT/bus and taxi fares with NETS FlashPay.

Mighty Pay
Read more
Apple Pay is the new, easy and secure way to pay.
Read more
Visa payWave
Read more
Transport Capability
Read more
Travel Perks

Enjoy exclusive travel perks and deals of up to 10% off with your UOB Direct Visa Debit Card. Terms and conditions apply.

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Get cash overseas with
no additional charges with UOB ATMs
Read more
  • UOB Card Privileges

    Enjoy exclusive dining, travel, e-shopping, entertainment privileges, and more.

    Read more
  • World Wide Acceptance

    Accepted at over 30 million Visa merchants globally, including e-shopping, mail and phone orders.

    If you wish to change your daily Visa limit, download the 'UOB Debit Card Daily/Monthly Limit Form' here.
  • ATM and NETS Access

    Access to over 1,200 ATMs in Singapore and global ATM access on the Visa Plus Network. Pay for purchases NETS outlets islandwide.

    Read more


Spend Control

Purchases are debited directly from your account. Track transactions via UOB Personal Internet Banking or Mobile Banking and monthly statements.

Enhanced Card Security

EMV Smart Chip protects against “skimming”, enjoy secure online shopping with Verified by Visa and receive SMS transaction alerts.

Read more

See how the UOB Direct Visa Debit Card compares to a UOB ATM Card:

UOB Direct Visa Debit Card UOB ATM Chip Card
Withdraw cash from UOB and OCBC ATMs in Singapore
Withdraw cash worldwide
Pay for purchases locally & overseas
eg. Online, Mail Order & Phone Order
Pay for PIN-based purchases locally
Use on SMRT/Transit Link/ComfortDelGro and CityCab
Conduct fast and secure contactless payment
Turn your mobile device into an electronic wallet3
with Mighty Pay or Apple Pay
Get up to 10% rebate with UOB SMART$ Programme
Enjoy UOB Card Shopping, Entertainment and Dining Privileges

Pay With One Wave

Convenient and secure, Visa payWave is fast, easy and contactless. Simply wave your UOB Direct Visa Debit Card in front of a secure reader, grab your purchases and in 5 seconds you are on your way. Visa payWave transactions are restricted to purchases under S$100, which is great for small ticket purchases. For transactions above S$100, simply swipe your card and sign.

Where to use Visa payWave?
Just a few of the many places where Visa payWave is accepted:

and selected stores from:
• Ajisen • Bata Shoes • BHG • Cathay Cineplexes • Challenger • Crystal Jade My Bread • Eng Wah Cinemas • Fox • Fragrance Food • G2000 • Garrett Popcorn • Giordano • Golden Village • Hang Ten • Home-Fix • Mango • Meidi-Ya • Pastamania • Pepper Lunch • Polar Puffs And Cakes • Popular Book Company • Salad Stop • Subway • Shop n Save • Tcc • Video Ezy

The next time you shop, look out for this symbol:

Maximise savings with the UOB One Account

Earn higher interest rates of up to 3.33% p.a. on your savings when you spend on your UOB Direct Visa Debit Card.

Find out more.


Annual fee
$18 yearly
  • First 3 years card fee wavier
  • Annual fee waiver with 12 Visa
    transactions per year


Singapore citizen/PR/
Min. annual income
Holds a
Savings Account/
Current Account
≥ 16
years old

Apply Now

  • Visit any UOB Branch

    Visit any UOB Group Branch to apply immediately

  • Download a copy of the application form here.

    Mail completed form to:
    UOB Card Centre Robinson Road
    P.O. Box 1688
    Singapore 903338

1 Visit uob.com.sg/smart for the full list of merchants.

2 Maximum effective interest rate (EIR) on the One Account is 1.60% p.a. for deposits of S$50,000, provided customers meet the criterion of S$500 Card Spend in each calendar month. Maximum effective interest rate (EIR) on the One Account is 2.43% p.a. for deposits of S$50,000, provided customers meet both criteria of S$500 Card Spend AND (a) min. S$2,000 salary credit via GIRO OR (b) 3 GIRO debits in each calendar month. Visit uob.com.sg/oneaccount for the full set of Terms and Conditions.

3 UOB Mighty Pay is only compatible with selected Android devices with Near Field Communication (NFC) support, running on Android 4.4 or higher. Asus devices using x86 processors are not supported. Visit uob.com.sg/mighty for details. Apple Pay only on eligible UOB Visa and MasterCard cards issued in Singapore on iPhone 7, iPhone 7 Plus, iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE, Apple watch and Apple watch series 2 paired with iPhone 5 or later, iPad Pro, iPad Air 2, iPad mini 4, and iPad mini 3. For a list of compatible Apple Pay devices, see www.apple.com/sg/apple-pay.

4 There is no transaction fee charged for withdrawing cash on UOB ATMs in Malaysia, Indonesia and Thailand. A S$5 service charge per cash withdrawal will be charged for cash withdrawals on non-UOB ATMs. The amount of cash drawn is subject to foreign exchange rates. For the foreign exchange rate used for your cash withdrawal transaction, please refer to your statement of accounts for the Foreign and home currency withdrawal details. For more information, please click here.

Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Minimum Sum Scheme are aggregated and separately insured up to S$50,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

Click here for other debit card related fees and charges

More Information