debit mastercard is like any other mastercard. except u have to have enough cash in your bank b4 making the purchase. and yes, there's a 24 dollar annual fee. + 1.2 gst. and 2 dollar if ur acct has less than 500 dollars.
i think not really lar..... if your income is not far off, most probably they will approve....
the ocbc send me a pre-approved titanium card form for me to sign even though my annual income cannot qualify.
nowadays, bank are desparate for ppl to take up their credit cards.