• Min. Monthly Income


  • Interest Rate

    25.92% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Feature Highlights
  • Up to 1% cashback on all spending
  • Automatically convert spending into 3 or 6 months payment plan with 0% interest
  • 2 years annual fee waiver


  • Up to 1% cashback on monthly bill
  • Auto-convert your purchases into 3 or 6 months payment plan
  • 0% interest on instalment plans
  • S$7 discounts with min. spend of S$50 on Lazada.sg
  • Up to S$40 savings on purchases with Qoo10 Singapore


  • 8% off hotel bookings on Hotels.com


  • 14% discounts on petrol at Caltex
  • 14% fuel savings with Esso


  • Save up to 50% on dining islandwide


  • 15% discounts on admissions for Gardens by the Bay
  • 15% off entrance at Pororo Park

Other Features

  • 1% cash rebate for monthly bill of S$1,000 and above
  • 0.5% cash rebate for monthly bill of less than S$1,000

Card Information

Annual Fee $160.5
Min. Monthly Income $2,500
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder S$80.25
Finance charges 25.92% p.a.
Goods & Services Tax (GST)

Inclusive in annual fee

Late payment charge


Cash advance amount

Up to 70% of approved credit limit

Cash advance charge

6% of amount withdrawn or S$15, whichever is higher

Cash advance interest charge

Finance charges of 28.92% p.a. with a minimum of $2.50 will be calculated on a daily basis until full repayment.

Cashback Limit


Rewards points expiry


Product Review by iMoney Singapore

Stretch Your Payments Up To 6 Months With 0% Interest!

OCBC Cashflo Mastercard allows you to stretch your payments for 3 to 6 months with 0% interest! You will get to enjoy 6 months payment period if you charge your card for luxury brands products, insurance, travel and medical at participating merchants. You can also stretch your payment period to 6 months for your overseas spending (in all currencies, except SGD). On the other hand, you can enjoy paying any other bills for dividing your payment into 3 months. It can be any expenses, such as your kid’s tuition fees. Enjoy cashback up to 1% for any amount spent. Earned cashback can be used to offset your monthly bills. Discounts will be given to you if you dine in any selected restaurants including Rakuichi Japanese Restaurants, Peach Garden and Timbre. If you purchase fuel at any of the Esso and Caltex petrol stations, you will get to save up to 18.3%, regardless on weekday or weekend. If you take up OCBC balance transfer programme, you can save more from repaying your outstanding balances, with 0% interest for up to 12 months. For 3 months repaying period, processing fee will be 1.68%. For 6 months repaying period, processing fee will be 2.50%. For 12 months repaying period, processing fee will be 4.50%.

Fees and Charges

Annual renewal fee for principal card is S$64.20 and S$32.10, respectively. Annual fee waiver will be given to both cards for first two years of card subscription. If no full payment is made by the payment due date, you will be charged for interest of 25.92% per annum, or S$2.50, whichever is higher. S$60 will be charged for late payment, if no minimum monthly payment is received by payment due date. Minimum monthly payment is either 3% of total balance or S $50, whichever is greater, plus amounts exceed credit limit and overdue amounts. You will need to pay a minimum charge of S$15, or 6% of withdrawn amount for withdrawing cash.

Are You Eligible For OCBC Cashflo MasterCard?

To apply OCBC Cashflo MasterCard, you must meet the minimum requirements of age and monthly income. Firstly, you must be age 21 and above. If you are a Singapore citizen or permanent resident, your monthly income should not less than S$2,500. If you are a foreigner who stays in Singapore, you will need S$3,750 of monthly income. Supplementary cardholder must be at least 18 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as OCBC 365 Credit Card and Standard Chartered SingPost Platinum Visa Credit Card, which may match your requirements. If you prefer to broaden your credit card search, see more OCBC credit cards and start comparing today!