• Min. Monthly Income


  • Interest Rate

    25.92% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • Up to 10% cashback on selected spending
  • Over 120 unique card designs
  • Registered with NETS FlashPay Auto Top-Up feature


  • Up to 20% off when you shop at Crabtree & Evelyn, Etude House and Hamleys
  • Savings up to 20% on online shopping (selected brands)
  • Up to 10% rebate on mobile payment spend using Samsung Pay, Apply Pay and Android Pay (with min spending fo $400)


  • 5% rebate at bars, cinemas, KTVs, clubs and selected cafes (From Friday to Sunday)
  • 3% rebate on entertainment during weekdays


  • Savings up to 5% at Starbucks, The Coffee Bean & Tea Leaf, Costa Coffee and many more
  • Savings up to 35% at various restaurants, bars and eateries


  • 3% rebate for first 2 NETS FlashPay Auto Top-Ups


  • Petrol savings up to 16%

Other Features

  • ETS FlashPay Top-ups
  • EZ-Link Top-ups
  • Get $50 cash back when you sign up and spend! (until 31 Jan 2018)

Card Information

Annual Fee $80.00
Min. Monthly Income $2,500.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder S$40
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6% of amount withdrawn or S$15, whichever is higher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

$60 per month

Rewards points expiry


Product Review by iMoney Singapore

Exclusive entertainment benefits

OCBC FRANK Credit Card rewards you in so many amazing ways! Enjoy up to 20% savings when you shop for selected brands and get 10% rebate when you pay using Android Pay, Samsung Pay or Apply pay. Stand a chance to earn up to 5% entertainment rebate at cafes like Starbucks, The Coffee Bean & Tea Leaf, The Connoisseur Concerto (tcc), Dimbulah Coffee, Coffee Club and Costa Coffee. The entertainment rebate also covers for selected bars, cinemas, KTVs and clubs. On top of that, you will get to earn 5% cashback for every S$1 spent at selected dining outlets and also earn up to 35% discount from wide dining deals islandwide. With a rebate cap of S$60 a month, that’s S$720 a year!

In addition, you may also earn 3% rebate on your first two NETS FlashPay Auto Top-Ups (ATUs), which you can use for MRT and public bus rides, or for ERP and EPS CEPAS 2 carpark payments, or at any outlet with a NETS FlashPay terminal. NETS FlashPay ATUs are fixed at S$50 per transaction and may not be changed. Furthermore, you may also earn up to 0.3% cashback for any other transactions like online shopping, entertainment spending at bars, cinemas, KTV, clubs and selected cafes.

Fees and Charges

Annual fee for the principal card is S$80 and for the supplementary card is S$40. You will get to enjoy 2 years annual fee waiver. To enjoy subsequent annual fee waiver, you will need to spend at least S$10,000 a year. Finance charge for outstanding balances is 25.92% per annum, or S$2.50, whichever is higher. If no minimum monthly payment is made promptly, you will be charged for late payment of S$100. Minimum monthly payment is S$50, or 3% of your total outstanding balance; whichever are greater, plus overdue amounts and excess amounts of credit limit. For cash advance, you will be charged for S$15, or 6% of cash advance amount, whichever is greater.

Are You Eligible For OCBC FRANK Credit Card?

Minimum monthly income to apply OCBC FRANK Credit Card is S$2,500 (for Singapore citizens and permanent residents) or S$3,750 (for foreigners). Minimum age for applying main card and supplementary card is 21 and 18, respectively.

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 HSBC Visa Platinum 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!