Overview
Debit Cards Type & Eligibility
Get Started
Top 12 Frequently Asked Questions
FSM Global

Invest, trade, spend, earn

Do more with your cash

FSM Debit Card is a debit card that enables you to spend your investment proceeds and dividends as and when you receive them in your Cash Account & Auto-Sweep Account (SGD only), without having to withdraw them from FSM Global to your bank account.

Investing for income Vs Spending your investment income

Investing in income and dividend-paying products? They now pay (literally) for your daily expenses directly.

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FSM Global

Charge up your investments

Charge up trading perks when you invest & spend

Enjoy cashback on your debit card spending as you spend and earn rewards points while investing to redeem market data subscription, or even bonus units of unit trusts to give a boost to your investments on FSM Global.

Tier Up to Charge Up

As monies in your Cash Management Solutions (Cash accounts & Auto-Sweep accounts) also contribute to your qualifying AUA, park your excess monies and charge up. You will be able to enjoy higher reward points multipliers when you invest and transact!

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Spending with your card.
No subscriptions, no monthly fees.

Supports purchases at millions of merchants in over 140 currencies wherever Mastercard is accepted across the world in more than 200 countries - at competitive FX rates, save on banks high mark ups for overseas payment.

Use Google Pay in supported countries.

Add to your mobile wallets and receive instant payment push notifications alerts with your FSM Mobile App for better security and avoid SMS fraud from unauthorised sources.

FSM Debit Card Google Pay

Debit Cards Type & Eligibility

FSM Debit Card On Phone

Eco-friendly substitute to plastic cards

At FSM Global, you can get a free environmentally friendly digital debit card within minutes.

Who can apply

  • No minimum income is required.
  • Singapore Residents or citizens with a valid FSM account (Personal or Beneficiary).

Take control & better privacy

  • Secure your payment by setting spending limits, lock, unlock cards any time you want.
  • FSM digital card is stored in your device.

Featuring different card details for your digital and physical card, you will able to lock card after each purchase, enabling a safe, smart and simple way to spend while keeping your digital payments separate from physical card payments.

FSM Crimson Debit Card
FSM Crimson Debit Card
For Ruby & Silver Investors with assets of < S$200,000
FSM Black Debit Card
Exclusive to FSM Prestige Investors
FSM Black Debit Card
Exclusive to FSM Prestige Investors (Gold & Diamond) with assets of S$200,000 and above.
For Singapore Resident InvestorsFor Singapore Resident Investors
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Ruby
Qualifying AUA
< sgd 100,000
First Transaction Rewards: earn 1,000 points
Birthday Rewards: earn 800 points
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Silver
Qualifying AUA
sgd 100,000 - sgd 199,999
First Transaction Rewards: earn 1,000 + 10% points
Birthday Rewards: earn 1,200 points
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Gold
Qualifying AUA
sgd 200,000 - sgd 499,999
First Transaction Rewards: earn 1,000 + 20% points
Birthday Rewards: earn 1,800 points
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Diamond
Qualifying AUA
> sgd 500,000
First Transaction Rewards: earn 1,000 + 30% points
Birthday Rewards: earn 2,500 points
*FSM Rewards Programme Terms & Conditions apply. Click here to learn more on our Rewards Programme and the perks on various products.


Earn 1% cashback* on your FSM Debit Card spending.
*Click here to view the Term & Condition.

Getting Started

Follow these steps to start charging up this electrifying new way of investing and spending!

1

Register

Sign up via FSM website or our mobile app
2

Verification

Complete the verification process within minutes
3

Charge Up!

Spare cash in your FSM Cash Account & Auto-Sweep Account (SGD only) can now be used when you charge your spending to the FSM debit card
4

Install FSM mobile app & start spending

Get your card details and start spending around the world with Mastercard. No need to wait for your physical card to arrive.

Top 12 Frequently Asked Questions

FSMOne Debit Card is a prepaid Mastercard offered by Nium Pte. Ltd. ("Nium") that allows you to pay at any physical or online shop that accepts MasterCard.

Similar to a debit card which allows you to spend from your bank account’s balance, this card allows you to spend from your FSMOne SGD Cash Account and SGD Auto-Sweep Account Available Balance.

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 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.
Yes! Click on this link to check out current offers 👉  https://secure.fundsupermart.com/fsm/new-to-fsm/current-offers
Your FSMOne Debit Card supports over 140 currencies wherever Mastercard are accepted across the worldwide in more than 200 countries – at competitive FX rates, save on banks’ mark ups for overseas payment. We use the exchange rate from counterparties/vendors.
Your FSMOne Debit Card is linked to your SGD Cash Account and SGD Auto-Sweep Account, meaning all FSMOne Debit Card payments are deducted directly from your SGD Cash Account followed by SGD Auto-Sweep Account. You can use your card to do the following as long as Mastercard is accepted:

• Pay for recurring bill payments
• Pay for online purchases
• Make in-store payments
• Pay for bus/MRT rides
• Pay for purchases overseas

You will receive push notification via your FSMOne Mobile App and email notification for each transaction charged to your card. Help make your account more secure by enabling FSMOne Push Notifications, so that you are alerted on your account transactions.
All Singapore citizens/residents with a valid FSMOne account can sign up for the FSMOne Debit Card. There is no minimum income requirement.

Simply login to your FSMOne account (eg. Personal or Beneficiary account) via FSMOne website or Mobile app to apply!

Application and activation is free and take less than 5 minutes* for MyInfo users. You will be able to spend immediately as long as the card is approved and you have sufficient available balance in your SGD Cash Account or SGD Auto Sweep. For Manual Input application, it will take 1 to 2 business days for the approval. Email notification will be sent once the card is approved.
*some application may take up to 24 hours for approval, we will get it done ASAP!

Note: Corporate account type is not eligible to apply FSMOne Debit Card.
Online Shopping
Get your card details by logging into your FSMOne account. Go to My Account > Debit Card > Card Details. To start using the FSMOne Digital Debit Card, simply add your card details as a payment method for your online shopping.

Physical Shopping
Apply for a physical card and pay at suppported merchants

Mobile Payments
Quick guide to start spending on your contactless mobile payments (Google Pay App on Android devices):

1. Download Google Pay App from Google Play.
2. Launch the app and follow the instructions to add a card.
3. Verify your card if needed, then you're all set!

Google Pay works on any Android devices with Near Field Communications (NFC) capabilities.
Yes, we support mobile payment on all Android devices with Near Field Communications (NFC) capabilities.

Quick guide to start spending on your contactless mobile payments (Google Pay App on Android devices) as below:

1. Make sure that your phone supports NFC capabilities.
2. Download Google Pay App on Google Play. Then, launch Google Pay App and follow the instructions to add a card.
3. Verify your card if needed, then you're all set!

You can get your FSMOne Debit Card details by logging into your FSMOne account and go to My Account > Debit Card > Card Details.

Apple Pay and Google Pay's contactless payment is not available on Apple devices (iOS) at the moment. However, you may still download Google Pay App and add your FSMOne Debit Card onto the application and use it to shop online.
Please top-up your FSMOne SGD Cash Account or SGD Auto-Sweep Account via your internet banking's PayNow / FAST Transfer. You can refer to the payment instructions here.

You will earn 1%* cashback on your FSM Debit Card purchases during non-promotional periods. Please check the current promotions and offers at https://secure.fundsupermart.com/fsm/new-to-fsm/current-offers

*subject to change

No, we do not impose annual fee for FSMOne Debit Card.
Cash account monies are deposited in a bank account, designated as a trust account, in which the monies are held on behalf of the customers and cannot be used to offset any debts owed by the company to the bank. This means that your money will be stored separately from iFAST's own company bank accounts.

You can temporarily lock your FSMOne Debit Card by following steps:

1. Log in to your FSMOne account.
2. Go to My Account (website) or Holdings (App) > Debit Card.
3. Click ‘Lock Card’ button.
4. Click to enable the lock, e.g. enable lock when the button is in blue, disable lock when the button is in grey
5. Complete your request by entering password (website) or biometric authentication ( mobile device), e.g. Face ID or finger print on your device.
6. Your card is now locked temporarily.

Immediately upon temporary locking your debit card, you will receive push notification in FSMOne Mobile App as well as an email notification to inform on the temporary lock.

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FSM MOBILE APP

Power pack your investments. Everything you need, coupled with an optimised viewing pleasure, all in a single app. Download FSM Mobile for free now!

Scan the QR code to download FSM Mobile App

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FSM Debit Card Mobile App