Meet South East Asia's first 82% bio-degradable debit card
Now With Complimentary 6-month Insurance
Carry less with a
Virtual card
Virtual card
Only making online payments? Request for a virtual card first and order the physical card only when you need one
Made of 82%
bio-degradable material
bio-degradable material
Our card uses polylactic acid, a sustainable plastic substitute produced from a renewable source - field corn
Protecting our forests using
FSC certified paper
FSC certified paper
Our paper comes from responsible, environmentally conscious sources
Get started immediately.
Log into online banking to view your card details and enjoy these benefits
Go Cashless.
Use Google Pay™ at millions of places around the world
Complimentary 6-mth Insurance.
Stay protected with Personal Accident Insurance
Tap and go™.
For bus and train rides with no top up required
Spend like a local.
We support over 150 currencies
Access to cash.
Withdraw whenever, wherever overseas from ATMs
Your perfect travel companion.
Use worldwide where Mastercard® is accepted
Go Cashless.
Use Google Pay™ at millions of places around the world
Complimentary 6-mth Insurance.
Stay protected with Personal Accident Insurance
Tap and go™.
For bus and train rides with no top up required
Spend like a local.
We support over 150 currencies
Access to cash.
Withdraw whenever, wherever overseas from ATMs
Your perfect travel companion.
Use worldwide where Mastercard® is accepted
Card features at your fingertips for
Misplaced your card? Freeze and unfreeze your card anytime for peace of mind
Control your spending with daily limits
Tell us your travel plans in advance and we'll enable your debit card so you can spend whilst you're away
Get rewarded with up to
2.20% p.a.* on SGD Fixed Deposit
2.20% p.a.* on SGD Fixed Deposit
when you apply and spend with our Debit Card
*Terms and Conditions Apply
Let’s get started
Do you have a Current or Savings account with us?
Do you have a Current or Savings account with us?
How to apply?
Click on the numbers to view screens for each step
1
Select an account here and click ‘Apply Now’
2
Login with SingPass to retrieve your information or enter it manually
3
Let us know if you would like a physical card
4
Log in to HLB Connect, access your card details and spend online immediately
5
If you have ordered a physical card, activate it once it arrives to make in-store purchases
Select an account here and click ‘Apply Now’
Login with SingPass to retrieve your information or enter it manually
Let us know if you would like a physical card
Log in to HLB Connect, access your card details and spend online immediately
If you have ordered a physical card, activate it once it arrives to make in-store purchases
Frequently Asked Questions
You only need to hold a Current and/or Savings account with the bank to request a debit card. If you don’t have one yet, you can open an account and request for a debit card here.
At the moment, you can only hold one debit card.
The virtual debit card is accessible by logging in to HLB Connect and can be used for online purchases.
The physical debit card will be delivered to your mailing address upon request and can be used for both in-store and online purchases.
The virtual debit card will have the same card number, expiry date and CVV as the physical card.
If you have requested a physical debit card and have not activated it yet, the bank will decline any online purchases with merchants that do not require a SMS one-time password to complete the purchase.
The physical debit card will be delivered to your mailing address upon request and can be used for both in-store and online purchases.
The virtual debit card will have the same card number, expiry date and CVV as the physical card.
If you have requested a physical debit card and have not activated it yet, the bank will decline any online purchases with merchants that do not require a SMS one-time password to complete the purchase.
You can order a physical card through our HLB Connect online banking platform by following the steps below:
You will need to activate your physical card once it arrives to use it for in-store and online purchases.
- Log in to your HLB Connect account here
- From the ‘Card Management’ menu, choose ‘Order a Physical Card’
You will need to activate your physical card once it arrives to use it for in-store and online purchases.
If you have opened your account and requested your card through our online platform with SingPass, then your virtual card will be activated as soon as your card is issued.
Log in to HLB Connect to retrieve your new debit card details to start using it.
Note that if you have requested a physical debit card as well and have not activated it yet, the bank will decline any online purchases with merchants that do not require a SMS one-time password to complete the purchase.
Log in to HLB Connect to retrieve your new debit card details to start using it.
Note that if you have requested a physical debit card as well and have not activated it yet, the bank will decline any online purchases with merchants that do not require a SMS one-time password to complete the purchase.
You can activate your card instantly through any of the following methods:
- Log in to your HLB Connect account
- From the ‘Card Management’ menu, choose ‘Activate Physical Card’
- Create your 6-digit PIN for overseas ATM withdrawals
- SMS Activation
- SMS: ACT<space>last 4 digits of your card number to +65 8240 0308
The Complimentary 6-month Personal Accident Insurance is underwritten by HL Assurance Pte Ltd (HL Assurance) for new HL Bank Debit Card holders aged 18 to 65 years' old.
Find out more about Complimentary 6-month Personal Accident Insurance terms & conditions here & Master policy schedule here.
If you do not wish to be covered by Complimentary 6-month Personal Accident Insurance, simply fill up this form and notify us within 14 calendar days of your debit card application date.
| Summary of benefits | Sum Insured |
|---|---|
| Accidental Death / Permanent Disability | $10,000 |
| Child Education Grant | $1,000 |
| Covid-19 Cash Benefit | $5000 |
If you do not wish to be covered by Complimentary 6-month Personal Accident Insurance, simply fill up this form and notify us within 14 calendar days of your debit card application date.
Yes, you can use your debit card for overseas transactions, in-store and online, once it has been activated.
However, for your security, you will need to enable your debit card’s magnetic stripe and ATM withdrawals for overseas usage through our HLB Connect online banking platform by following the steps below:
However, for your security, you will need to enable your debit card’s magnetic stripe and ATM withdrawals for overseas usage through our HLB Connect online banking platform by following the steps below:
- Log in to your HLB Connect account
- From the ‘Card Management’ menu, choose ‘Change Overseas ATM Withdrawal & Magnetic Stripe Settings’
- Select ‘Enable’ or ‘Perpetual’ to enable your debit card for overseas usage
- If you have not already done so, proceed to set up your 6-digit debit card PIN for overseas ATM withdrawals at ‘Create/Reset PIN’ from the menu
You can reset your 6-digit debit card PIN through our HLB Connect online banking platform by following the steps below:
- Log in to your HLB Connect account
- From the ‘Card Management’ menu, choose ‘Create/Reset PIN’
- Enter your new 6-digit card PIN
You can reset your 6-digit debit card PIN through our HLB Connect online banking platform by following the steps below:
- Log in to your HLB Connect account
- From the ‘Card Management’ menu, choose ‘Create/Reset PIN’
- Enter your new 6-digit card PIN
If you have lost your debit card or it has been stolen, we recommend you immediately block your card and request a replacement through our HLB Connect online banking platform by following the steps below:
- Log in to your HLB Connect account
- From the ‘Card Management’ menu, choose ‘Request Card Replacement’
- Once you have submitted the request, your old card will be permanently blocked to prevent any fraudulent activity and you will immediately be issued with a new debit card
Yes you can, we recommend you do this immediately through our HLB Connect online banking platform by following the steps below:
- Log in to your HLB Connect account
- From the ‘Card Management’ menu, choose ‘Freeze/Unfreeze Card’
- Freeze your debit card temporarily and return here to unfreeze your card once you have found it
Your debit card can only be linked to one default debiting account for all transactions and overseas ATM withdrawals.
You can change your debiting account through our HLB Connect online banking platform by following the steps below:
You can change your debiting account through our HLB Connect online banking platform by following the steps below:
- Log in to your HLB Connect account
- From the ‘Card Management’ menu, choose ‘Change Debiting Account’
- Select your preferred debiting account from the dropdown list
You can view and update your debit card spending and overseas ATM withdrawal limit through our HLB Connect online banking platform by following the steps below:
- Log in to your HLB Connect account
- From the ‘Card Management’ menu, choose ‘Change Purchase/Withdrawal Limits’
- Your current limits will be displayed and you may enter the new limits you would like to set for your debit card
Yes, you can choose to receive SMS and/or email notifications for your debit card transactions. You can also set the amount for transactions above which you would like to receive notifications for.
You can update your notification settings through our HLB Connect online banking platform by following the steps below:
You can update your notification settings through our HLB Connect online banking platform by following the steps below:
- Log in to your HLB Connect account
- From the ‘Card Management’ menu, choose ‘Manage Transaction Notifications’
- Choose whether you would like to receive SMS and/or email notifications
- Enter the minimum transaction amount to be notified
Don’t worry about it, your card will be renewed automatically.
You will receive an SMS and email notification from the bank informing you that your debit card has been renewed and can be retrieved by logging in to HLB Connect. If you hold a physical debit card, we will send your debit card to your mailing address with the bank.
Once you receive your new debit card, you will need to activate it before using it.
If you haven’t received your debit card, call our contact centre at +65 6349 8330.
You will receive an SMS and email notification from the bank informing you that your debit card has been renewed and can be retrieved by logging in to HLB Connect. If you hold a physical debit card, we will send your debit card to your mailing address with the bank.
Once you receive your new debit card, you will need to activate it before using it.
If you haven’t received your debit card, call our contact centre at +65 6349 8330.
You can view your debit card transactions through our HLB Connect online banking platform by following the steps below:
- Log in to your HLB Connect account
- Select the current or savings account linked to your debit card to view your transaction history
Please call our contact centre at +65 6349 8330 (24x7) to lodge your dispute.
You will be required to submit a dispute form, available here and a sales draft retrieval fee of SGD 5.35 (inclusive of GST) may be charged.
You will be required to submit a dispute form, available here and a sales draft retrieval fee of SGD 5.35 (inclusive of GST) may be charged.
- Do's:
- Make sure that your card is always kept safely
- Keep an eye on your card during any transactions and ensure that the correct card is returned to you
- Check your account balances and transactions made regularly and inform the bank if you don’t recognise any transactions
- Inform the bank when you change your contact numbers or address as we may contact you if we detect any suspicious activities on your card
- Don'ts:
- Lend your card to anyone or leave it lying around
- Keep card information such as your 6- digit PIN, in the same place as your card
- Disclose your card details or other personal information to anyone. No one should ask for your password or PIN
Call our contact centre at +65 6349 8330, on weekdays (excluding public holidays) between 9am to 6pm.
Fees & Charges
- Virtual Card: FREE
- Physical Card: SGD10
- International ATM Cash Withdrawal:
SGD5 per withdrawal - Administrative Fee on Foreign Currency Transactions (including international ATM cash withdrawal):
3.25% of the converted transaction amount (comprising of a currency conversion charge of 1% imposed by Mastercard and a bank administrative fee of 2.25%) - Processing Fee on Dynamic Currency Conversion:
2.8% of the converted transaction amount (for all transactions effected in Singapore dollars and processed overseas)
Useful Documents
Need help?
For account related inquiries or request, please call our HL Bank Contact Centre at +65 6349 8330 to speak to our Customer Service Officer. (Monday - Friday, 9am to 6pm)
