{"id":84848,"date":"2026-03-24T15:43:42","date_gmt":"2026-03-24T07:43:42","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=84848"},"modified":"2026-04-28T15:22:49","modified_gmt":"2026-04-28T07:22:49","slug":"gxs-debit-card","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/gxs-debit-card\/","title":{"rendered":"GXS Debit Card Review 2026: Fees, Rewards, Overseas Use & How to Apply"},"content":{"rendered":"\n

Want to know whether the GXS debit card is worth getting in 2026? You\u2019re in the right place.<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
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The GXS Debit Card is Singapore’s digital-bank debit card backed by Grab and Singtel. It’s a decent option for everyday local spending and fee-free overseas card payments \u2014 particularly if you’re already in the Grab or Singtel ecosystem.<\/p>\n\n\n\n

In this guide, we cover everything: what the card is, how the cashback rewards work, whether you can use it overseas, the ATM situation, how it compares to the GXS FlexiCard \u2014 and what’s new from GXS Bank in 2026.<\/p>\n\n\n\n

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\ud83d\udc9c Stay Up To Date:<\/strong><\/p>\n\n\n\n

\u2013 Hong Kong ATM Withdrawal Guide: Fees, Locations, Exchange Rates (2026)<\/a>
\u2013 33 Things to Do in Kyoto, Japan: Top Attractions, Food & Travel Tips<\/a>
\u2013 Car Rental Tokyo Guide 2026: Top Providers, Prices & Tips for Tourists<\/a><\/p>\n\n\n\n

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\u26a1 TL;DR: GXS Debit Card at a Glance<\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
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Feature<\/strong><\/th>Details<\/strong><\/th><\/tr><\/thead>
Card network<\/strong><\/td>Mastercard<\/td><\/tr>
Issuing bank<\/strong><\/td>GXS Bank Pte. Ltd. (MAS-licensed)<\/td><\/tr>
Annual fee<\/strong><\/td>None<\/td><\/tr>
Issuance fee<\/strong><\/td>Free (physical + virtual)<\/td><\/tr>
Foreign transaction fee<\/strong><\/td>0% (no FX markup)<\/td><\/tr>
ATM cash withdrawal<\/strong><\/td>Not supported locally or overseas<\/td><\/tr>
Cashback rewards<\/strong><\/td>Instant cash reward per eligible transaction \u2265 S$10 (up to S$5)<\/td><\/tr>
Reward draws<\/strong><\/td>One draw per eligible transaction<\/td><\/tr>
PayNow<\/strong><\/td>\u2705 Supported<\/td><\/tr>
Google Pay \/ Apple Pay<\/strong><\/td>Not currently supported<\/td><\/tr>
Who can apply<\/strong><\/td>GXS Savings Account holders<\/td><\/tr>
Card colours<\/strong><\/td>Off-White, Dark Purple, Purple<\/td><\/tr>
GXS Odyssey<\/strong><\/td>\u2705 Loyalty missions for bonus rewards<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
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\ud83d\udcda Table of Contents:<\/strong><\/h2>\n\n\n\n
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  1. What is GXS Bank?<\/strong><\/a><\/li>\n\n\n\n
  2. What is the GXS Debit Card?<\/strong><\/a><\/li>\n\n\n\n
  3. Is the GXS Debit Card Free?<\/strong><\/a><\/li>\n\n\n\n
  4. GXS Debit Card Rewards & Cashback<\/strong><\/a><\/li>\n\n\n\n
  5. GXS Debit Card Overseas Use<\/strong><\/a><\/li>\n\n\n\n
  6. GXS Debit Card ATM Withdrawal<\/strong><\/a><\/li>\n\n\n\n
  7. Can GXS Use PayNow?<\/strong><\/a><\/li>\n\n\n\n
  8. GXS Debit Card vs GXS FlexiCard<\/strong><\/a><\/li>\n\n\n\n
  9. How to Apply for the GXS Debit Card<\/strong><\/a><\/li>\n\n\n\n
  10. GXS Debit Card Review \u2014 Is It Worth It?<\/strong><\/a><\/li>\n\n\n\n
  11. FAQ<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n
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    What is GXS Bank?<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n
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    \"GXS<\/figure>\n\n\n\n

    Image credits: Fintech News Singapore<\/em><\/p>\n\n\n\n

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    GXS Bank is a Singapore digital bank licensed by the Monetary Authority of Singapore (MAS), backed by Grab and Singtel. It holds one of only two Digital Full Bank (DFB) licences issued by MAS in Singapore \u2014 which means it can serve both retail consumers and small businesses. It’s a fully regulated bank, not just a fintech app.<\/p>\n\n\n\n

    The bank lives entirely on your phone \u2014 accessible via the GXS Bank app, the Grab app, or Singtel Dash. Despite the Grab and Singtel backing, GXS is its own independently licensed entity.<\/p>\n\n\n\n

    GXS Bank’s product suite includes: <\/strong><\/p>\n\n\n\n