Debit & Credit Card Management
Your debit and credit cards are essential tools for everyday spending, online purchases, and international travel. This guide covers everything you need to know about managing your cards, from setting spending limits to replacing a lost or stolen card. Taking a few minutes to understand your card settings can help you stay in control of your finances and keep your account secure.
Understanding Your Card
When you open an account or are approved for a credit card, your card is issued with default settings. Here is a summary of the key details associated with your card:
| Feature | Debit Card | Credit Card |
|---|---|---|
| Card network | Visa Debit / Mastercard Debit | Visa / Mastercard / Amex |
| Contactless payments | Enabled by default | Enabled by default |
| Online transactions | Enabled by default | Enabled by default |
| International transactions | Disabled by default | Enabled by default |
| Daily ATM withdrawal limit | $2,000 | $1,000 (cash advance) |
| Daily purchase limit | $5,000 | Up to approved credit limit |
You can adjust most of these settings at any time through internet banking or the mobile app. Changes take effect immediately.
Setting and Adjusting Card Limits
Managing your card limits helps you control your spending and adds an extra layer of security. You can customise the following limits independently for each card linked to your account:
- Daily ATM withdrawal limit: Set between $500 and $5,000 for debit cards
- Daily point-of-sale (POS) purchase limit: Set between $1,000 and $20,000
- Online transaction limit: Set a per-transaction cap or a daily total cap for online purchases
- International spending limit: Enable or disable overseas transactions and set a daily cap
To adjust your limits, log in to internet banking or the mobile app, navigate to "Card Management" under the cards menu, select the card you wish to update, and choose "Manage Limits." All changes require OTP or biometric verification for security.
PIN Management
Your Personal Identification Number (PIN) is required for ATM withdrawals and certain point-of-sale transactions. It is important to keep your PIN confidential and change it regularly.
How to Reset Your PIN
If you have forgotten your PIN or wish to change it, you can do so through the following channels:
- Mobile App: Go to "Card Management," select your card, and tap "Reset PIN." You will be prompted to enter a new 6-digit PIN and verify via OTP.
- ATM: Insert your card at any of our ATMs, select "PIN Services," and follow the on-screen instructions. You will need your existing PIN to change it at an ATM.
- Branch: Visit any branch with your identification document. A temporary PIN will be issued and you will be prompted to change it on first use.
For security purposes, your card will be temporarily blocked after three consecutive incorrect PIN attempts. You can unblock your card through internet banking, the mobile app, or by calling our customer service hotline.
Temporary Card Lock
If you've misplaced your card but believe you may find it, you can use our temporary lock feature to freeze all transactions on the card without cancelling it permanently. This is useful if you think you've left your card at home or in a jacket pocket.
- Locking your card takes effect immediately and blocks all transactions including ATM, POS, online, and contactless payments
- You can unlock your card at any time through the mobile app or internet banking
- Recurring payments and direct debits linked to the card will also be paused while the card is locked
- If you do not unlock the card within 30 days, it will remain locked until you take action — it will not be automatically cancelled
To lock or unlock your card, open the mobile app, go to "Card Management," select the relevant card, and toggle the lock switch.
Reporting a Lost or Stolen Card
If your card has been lost or stolen, it is critical that you report it immediately to prevent unauthorised transactions. You can report a lost or stolen card through the following channels, all available 24 hours a day:
- Mobile App: Go to "Card Management," select the affected card, and tap "Report Lost/Stolen"
- Phone: Call our 24-hour card hotline at 1800-XXX-XXXX (local) or +65-XXXX-XXXX (overseas)
- Internet Banking: Navigate to "Card Management" and select "Block Card"
Once reported, the card is permanently blocked and cannot be reactivated. A replacement card will be issued automatically and delivered to your registered mailing address within 5 to 7 business days. If you need an urgent replacement, you can request express delivery for a fee of $30.00, with delivery within 2 business days.
Liability for Unauthorised Transactions
You are not liable for unauthorised transactions that occur after you have reported your card as lost or stolen. For transactions that occurred before the report was made, your maximum liability is capped at $100, provided you have not acted negligently such as sharing your PIN or leaving your card unattended.
If you notice any transactions you did not authorise, please report them to us within 30 days of the transaction date. We will investigate and provide an outcome within 21 business days. During the investigation, the disputed amount may be temporarily credited to your account.
Card Replacement and Renewal
Cards are automatically renewed before their expiry date and sent to your registered address. Your new card will arrive approximately 2 to 4 weeks before the current card expires. The new card will have a different card number and expiry date, so you will need to update any saved card details with online merchants or subscription services.
If you need a replacement card outside of the standard renewal cycle — for example, if your card is damaged — you can request one through the mobile app, internet banking, or at any branch. A replacement fee of $10.00 applies for damaged card replacements.
Managing Supplementary Cards
Credit card holders can apply for supplementary cards for family members aged 18 and above. Supplementary cards share the main cardholder's credit limit, and the main cardholder is responsible for all charges incurred on supplementary cards.
- Up to 5 supplementary cards can be issued per primary credit card account
- Individual spending limits can be set for each supplementary card
- The primary cardholder can view all supplementary card transactions through internet banking
- Supplementary cards can be cancelled independently without affecting the primary card
To apply for a supplementary card, log in to internet banking, go to "Card Management," and select "Apply for Supplementary Card." You will need to provide the supplementary cardholder's name, date of birth, and identification number.
For any card-related enquiries not covered in this guide, please contact our customer service team at 1800-XXX-XXXX or visit any branch during operating hours.