[FSMOne Debit Card] NO cap, NO min. spend, YES 5% Overseas Cashback*!

Promotions

Get 5% Overseas Cashback*

Start earning from the first dollar you spend and get back 5% cashback* for your first S$1,000 spending. There is NO minimum spend and NO cap on the number of eligible participants.

This promotion is valid from 1 October 2023 to 31 December 2023. Terms and conditions apply.

[Extended] S$10* Welcome for New Cardmembers

All new cardmembers will receive S$10* upon their first transaction, to be credited to their Cash Account. There is NO minimum income, NO annual fees, and NO monthly minimum balance to be maintained in your account.

This promotion is valid from 1 October 2023 to 31 December 2023. Terms and conditions apply.

What kind of traveller are you?

Each of these profiles showcases how the FSMOne Debit Card can cater to different travellers’ spending habits and lifestyles, providing them with the convenience, savings, and flexibility they need to make the most of their adventures. Which one is most like you?

Studying Sean (Age 21): Sean is a thrifty, local undergraduate who loves weekend getaways to JB and exploring off-beaten destinations during his university’s term breaks. As a student with no income, he loves stretching his travel budget with 5% overseas cashback from his first dollar spent overseas with his FSMOne Debit Card and earning 1% local cashback.

Relaxed Robert (Age 30): Robert is a seasoned traveller who prefers to unwind and recharge during his overseas trips. He enjoys luxurious accommodations, indulges in spa treatments, and lounges by the beach with a trusty book. With his FSMOne Debit Card, he enjoys the convenience of cashless transactions and spending smartly on all his little luxuries with the card’s competitive FX rates.

Senior Soloist Sophie (Age 65): Sophie is a retired senior who loves exploring peacefully at her own pace. The FSMOne Debit Card’s simplicity with no complicated terms and conditions fits her needs well. She lives modestly on her passive income from her portfolios of Singapore Treasury Bills, S-REITs, and global bond funds which she uses to travel and shop without breaking the bank, all the while knowing there is no FX mark-up fee and earning 5% cashback on her foreign expenditures.

Top 5 features for every traveller:

New to the FSMOne Debit Card? FSMOne is the first Singaporean wealth platform to launch a debit card, adding on more convenience and savings for our cardmembers. Here are its top 5 features:

1. Better-than-bank, competitive FX rates: Save on transaction fees and high mark-ups imposed by banks when you spend overseas.
2. Rewards: The FSMOne Debit Card is one of the few debit cards with overseas and local cashback, on top of a rewards programme. Enjoy birthday month benefits (up to 2,500 Rewards Points) and a welcome bonus (up to 1,400 Rewards Points) on your first card transaction. Find out more.
3. No commitment: There are NO FX admin fee, NO platform fees, NO annual or sign-up fee, and NO minimum spend or income.
4. Security: Receive instant payment push notification alerts for every transaction. Lock your card on the go to prevent payments from unauthorised sources.
5. Connect your investments with your spending: FSMOne investors can enjoy the maximum benefits as they can spend directly from their investment proceeds and dividends. The FSMOne Debit Card is linked to the FSMOne Cash Account (SGD).

Source: FSMOne Youtube

Join the FSMOne Family

Sign up here.

If you do not have an existing FSMOne account, you will have to create one before applying for the FSMOne Debit Card.

Besides a digital card (application takes only a few minutes!), you can also apply for a physical card. Step-by-step guide here.

*Terms and Conditions – 5% Overseas Cashback             
1.       The FSMOne 5% Overseas Cashback (the “Promotion”) is valid from 1 October 2023 to 31 December 2023 (the “Promotional Period”).

2.  The Cashback Programme is applicable to the following cards (collectively “Qualifying Cards”)

a         FSMOne Crimson Debit Card

b        FSMOne Black Debit Card

Read more about the differences here.

3.  An eligible cardmember (“Eligible Cardmember”) is defined as a customer who is currently holding on to at least one FSMOne qualifying cardand has at least one active FSMOne Debit Card at the time of promotion processing.

4. By participating in this Promotion, the Eligible Cardmember agrees to have read, understood and be bound by all terms and conditions stated herein. FSMOne reserves the right to amend the Terms and Conditions without prior notification.

5. To successfully eligible for the Promotion, the Eligible Cardmember has to fulfill these criteria:

a.       Must have an activated FSMOne Debit Card;

b.       Has spent using the FSMOne Debit Card; and

c.       Has made transactions overseas.

6.       5% cashback amount is applicable only on the first S$1,000 spending overseas of MCCs under this Promotion for each calendar month. Cashback on amounts spent thereafter will receive 1% cashback. Refer here for a list of MCC exclusions.

7.       5% cashback is subject to a cap of S$50 on the first eligible S$1,000 overseas spending in total per Eligible Cardmember for this promotion regardless of the number of Qualifying Cards registered under the Eligible Cardmember's FSMOne account(s).

8.       Eligible transactions are identified via their Merchant Category Codes (“MCCs”). These MCCs are assigned by Mastercard and/or the FSMOne Debit Card issuer, and may be subject to changes at any point of time. For the avoidance of doubt, the list of category codes is not under the purview of iFAST Financial Pte Ltd (“iFAST”) and iFAST is not responsible for the category code assigned to a transaction.

9.       Cashback is calculated based on the date of transaction in that calendar month. Cashback earned for the current month’s transactions will be credited 4 to 6 weeks after the end of the current month and reflected in your debit card/account statement.

Promotion Period	Crediting period
1 – 31  October 2023	By 14 December 2023
1 – 30 November 2023	By 14 January 2024
1 – 31 December 2023	By 14 February 2024

10.   FSMOne reserves the right to reject or clawback any cashback granted or to be granted to a FSMOne Debit Card member in the case of any fraudulent, dishonest and inappropriate conduct, as determined in the sole discretion of FSMOne. Such activities include but are not limited to the following: the provision of any false details; the provision of any third party’s information without consent; and any other fraudulent or malicious actions.

11.   The decision of FSMOne on all matters relating to the Promotion is final and any appeal will not be entertained by FSMOne.

S$10 Welcome* for New Users
1.       The S$10 Welcome for New Users promotion (the “Promotion”) is valid from 1 October 2023 to 31 December 2023 (the “Promotional Period”) for new-to-FSMOne Debit Card members (collectively “New Cardmembers”).

2.       An eligible New Cardmember (“Eligible New Cardmember”) is defined as a customer who meets all the following conditions during the Promotional Period:

a.       Has applied for a new and approved FSMOne Debit Card from 1 October 2023 onwards;

b.       Currently not holding on to any FSMOne Debit Card;

c.       Has not cancelled any FSMOne Debit Card within the last 6 months;

d.       Has made at least one eligible transaction using the FSMOne Debit Card during the Promotional Period; and

e.       Has ensured that the FSMOne account and debit card are both active (not cancelled, terminated, closed or blocked) at the point of Cash Account crediting.

3.       By participating in this Promotion, the Eligible New Cardmember agrees to have read, understood and be bound by all terms and conditions stated herein. FSMOne reserves the right to amend the Terms and Conditions without prior notification.

4.       S$10 Cash Account credits will be credited 4 to 6 weeks after the end of the calendar month and reflected in your debit card/account statement.

Promotion Period	Crediting period
1 – 31 October 2023	By 14 December 2023
1 – 30 November 2023	By 14 January 2024
1 – 31 December 2023	By 14 February 2024

5.       iFAST reserves the right to, at any time and in its sole and absolute discretion, replace and/or substitute any of the rewards with any other item of a similar value and further reserves the right to do so without reference to the New Cardmember.

6.       The decision of FSMOne on all matters relating to the Promotion is final and any appeal will not be entertained by FSMOne.

General FSMOne Debit Card Cashback Terms & Conditions apply. Please refer to the full FSMOne Debit Card Cashback Terms & Conditions here.

All debit cards are issued and powered by Nium, an entity regulated by the Monetary Authority of Singapore as a major payment institution under License No. PS20200276. iFAST Financial Pte Ltd (“iFAST”) is obligated to act accordingly to withdraw monies held under trust in your iFAST Cash Account to your debit card separately issued by the card issuer for payment services independently administered by card issuer.

This advertisement has not been reviewed by the Monetary Authority of Singapore.