UOB Debit Card

  • uob-direct-debit

    You'll Love

    • Up to 10% SMART$ rebate.1
    • Up to 3.88% p.a.2 on your savings with UOB One Account,
      when you spend S$500 monthly.
    • Contactless convenience with Apple Pay3 and more
    • e-Commerce Protection4
    • Exclusive UOB privileges on dining, online, travel and more!

    You'll Need

    • Be at least 16 years old
    • A UOB Savings or Current Account
    • No minimum income requirements



The new simple and secure way to make payments. Find out how.

Earn up to 10% rebates

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Up to 3.88% p.a. interest with UOB One Account

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Added Convenience

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Enjoy SMART$ rebates on-the-spot at participating merchants all year round and use it to offset your next purchase.

Participating merchants:

Cathay Cineplexes
Cold Storage
and many more…

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Earn higher interest when you spend on your UOB Debit Card.
Apply now and get up to S$100 cash credit. T&Cs apply. Read more



Enjoy fast, contactless payment with Mastercard contactless, or turn your mobile device into an electronic wallet3 with Apple Pay.


Mastercard contactless Read more
Apple Pay is the new, easy and secure way to pay.  Read more
Contactless Cash Withdrawal. Read more





e-Commerce Protection

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UOB Card Privileges

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World Wide Acceptance

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Safeguard your online purchases of up to USD200 with e-Commerce Protection4  Read more



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




Accepted at over 43 million Mastercard acceptance locations globally including e-shopping, mail and phone orders.

If you wish to change your daily Mastercard limit, download the 'UOB Debit Card Daily/Monthly Limit Form' here.




ATM and NETS Access

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Spend Control

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Enhanced Card Security

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



Purchases are debited directly from your account. Check your transactions on your monthly statement through Personal Internet Banking or UOB Mighty mobile app.



EMV Smart Chip protects against “skimming”, Zero liability on unauthorised charges when you notify the Bank of lost or stolen card5 and get notified with SMS alerts6 when transactions are made. Read more



See how the UOB Debit Card compares to a UOB ATM Card:
  UOB 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
Conduct fast and secure contactless payment  
Turn your mobile device into an electronic wallet3 with Apple Pay  
Get up to 10% rebate with UOB SMART$ Programme  
Enjoy UOB Card Shopping, Entertainment and Dining Privileges  

UOB SMART$ rebates will no longer be available at Metro from April 2019. You can continue to utilize your UOB SMART$ rebates at over 300 participating outlets islandwide. Visit uob.com.sg/SMART for more information.


Enjoy up to 30% off in Australia, Bali, Hong Kong, Japan, Thailand and more. Dine, Shop and Explore the world with UOB Card just like the local.


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Enjoy exclusive 1-for-1 dining deals and more!


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Enjoy the best petrol savings with UOB Cards


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Say hello to more convenience with SimplyGo.

  • No need for top-ups
  • No need for multiple cards


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  • Enjoy up to 50% savings on your hotel bookings worldwide with Expedia.
  • Plus, save an additional 10% off when you book with UOB Cards.


Booking Period: Now till 31 Mar 2019
Stay Period: Now till 30 Jun 2019


Valid for bookings made via www.expedia.com.sg/uob only. Minimum stay: 2 nights. Other terms and conditions apply.


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Enjoy access to Priceless Cities® and open the door to unforgettable experiences. Terms and conditions apply. 


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Apply Now

Eligibility and fees


Singapore citizen/PR/Foreigners

  • Min. annual income (N.A)

Age ≥ 16 years old

Holds a UOB Savings Account/Current Account


Annual fee

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

Please note with effect from 1 July 2018, the following debit card related fees and charges will be revised to the rates below:

  • All transactions made in foreign currencies will be subjected to an administrative fee of 3.25% of the transaction amount.
  • All Mastercard debit card transactions effected in Singapore dollars and processed overseas will be subjected to an International Processing Fee of 2.8% of the transaction amount.

How to apply

Via UOB Branch

Visit any UOB Group Branch to apply immediately

Via Application Form

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.

3Apple 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 Worldwide coverage for online purchases up to USD200. Visit here for full details.

5 The Cardmember who notifies the Bank that his/her Card has been lost, stolen or PIN disclosed, shall not be liable for any Card transactions effected after the Bank has received notification of such loss, theft or disclosure, provided that such loss, theft or disclosure is not due to negligence, fraudulent act, or default on the part of the Cardmember. Please refer to the UOB Debit Cardmember Agreement for more details.

6 Please ensure that your mobile number is registered and updated with UOB.

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$75,000 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$75,000 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