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FRANK Credit Card

Checkout, Hang out, Cash in
with the FRANK Credit Card

Get rebates for doing what you love


10% Rebate at selected retail & fast food outlets. 100% simple.

Pay with your FRANK Credit Card from 1 June to 31 July 2017 to enjoy extra rebates at selected retail and fast food outlets.

Spend min. S$400 on offline purchases in a month
10% rebate when you shop at Charles & Keith, H&M, Muji, Sephora, Topshop and Uniqlo
10% rebate when you dine at Burger King, KFC, McDonald's, Popeyes, Subway and 4Fingers

Get rebates on your FRANK Credit Card for purchases made only through face to face transactions. Monthly rebates capped at S$60, including all other rebates – like those listed under Checkout and Hang Out below.

New to FRANK and under 30?

Customers who successfully apply for a FRANK Credit Card by 31 July 2017 and activate their card within 1 month from their card approval date will be awarded with a S$25 cash rebate. Limited to first 400 customers.

Apply Now

Why use the FRANK Credit Card?





Indulge and save on your online purchases, from clothes and gadgets, to flights and hotels, to movie tickets! Woohoo!

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Additional 4% rebate on eligible purchases on Apple Online.

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5% from Friday to Sunday, and 3% during the rest of the week at bars, cinemas, KTVs, clubs and selected cafes. Cheers to that!


• Starbucks®

• The Coffee Bean & Tea Leaf

• The Connoisseur Concerto (tcc)

• Dimbulah Coffee

• Coffee Club

• Costa Coffee





Collect up to S$60 in rebates per month when you spend a minimum of S$400 offline on your FRANK Credit Card (excluding Online, NETS FlashPay Top-ups, EZ-Link Top-ups and Transit Link related transaction).

3% rebate on the first 2 NETS FlashPay ATU
0.3% rebate on everything else

Awesome financial tools

to help you take your little bit of great a little further!

Mobile Payments

Pay with your FRANK cards using your mobile device. Find out more.

NETS FlashPay

NETS FlashPay

Skip the queue with NETS FlashPay Auto Top-Up (ATU). The 3% rebate applies to your first 2 ATUs. (An ATU fee of S$0.25 (GST inclusive) will be charged by NETS for each NETS FlashPay ATU transaction)

Visa Paywave

Visa payWave

Breeze through your checkout with Visa payWave. Works for transactions below S$100.

Visa Checkout

Visa Checkout

A new payment service that makes online shopping faster and easier. Find out more.

OCBC OneTouch


Use your fingerprint to check your card transactions.

Money Insights

Money In$ights

Track your spending automatically by time and category.

Let your personality shine with 120 unique card designs

How do the FRANK Credit Card Rebates work?

Minimum Spend

More details

A minimum spend of S$400 on offline transactions posted in a calendar month on the FRANK Credit Card is required to qualify for additional cash rebate on online purchases, entertainment and NETS FlashPay Auto Top-Ups (ATU).

This S$400 excludes online transactions and NETS FlashPay ATU. Monthly rebates are capped at S$60 per month.

What transactions are counted towards this S$400?

All retail transactions made with the card physically present will be counted.

Transactions made online, via mail/telephone order and top-ups to prepaid accounts (including without limitation NETS FlashPay Top-ups, EZ-Link Top-ups and Transit Link related transactions) will not be counted.

Online shopping

More details

What is classified as an online purchase?

Online retail transactions are defined as goods or services you buy via the internet and charged to your FRANK Credit Card, and exclude purchases made via telephone or mail order.

Annual card fees, instalment payment plans, fees and charges such as interest and late payments are not included.

Online transactions under the following categories are excluded from the calculation of rebates:


Some Examples

Government institutions


Financial institutions (including banks & brokerages)


Insurance companies

NTUC Income, Great Eastern, AIG, AIA, AVIVA

Prepaid accounts and payment service providers


Subscription / recurring fees






Professional services provider

Personal paypal accounts, GOOGLE Ads, Facebook Ads, Amazon Web Services, MEDIA TRAFFIC AGENCY INC.

Membership fees to clubs and associations


Donations & charity


Parking lots


Utility bills


OCBC Internet Banking (excluded from 0.3% rebate)

Town Councils, URA Fines, HDB, NTUC Income

How does the bank determine whether my transaction is eligible for 6% online shopping rebate?

The bank identifies online transactions and their categories via codes assigned by Visa. These are not decided by the bank but rather the merchants and their acquiring banks. If your merchant classifies themselves under a category that fall in our list of excluded transactions, it will not be eligible for online rebates. All other retail transactions processed as an online transaction will be eligible for 6% online shopping rebate.

PayPal transactions

Are PayPal transactions included in 6% online shopping rebate?

Retail purchases via PayPal are included.

Non-eligible online transactions are excluded via their Merchant Category Codes (MCCs) assigned by Visa. If you buy a dress from a website via PayPal, it will be eligible for online rebates. However, if you pay your utility bills via PayPal, this falls under one of our excluded transactions and will not be eligible for online rebates.

I bought a dress via PayPal but why was it not awarded online rebates?

Every transaction comes with an assigned Merchant Category Codes (MCC). If you buy a dress from a website, they could be classified as “WOMEN WEAR” or “APPARELS”, but if their bank wrongly classifies it with Visa and puts it under “GOVERNMENT SERVICES” or “BUSINESS SERVICES”, it will not be picked up for online rebates. If there are such instances, we do highlight them to Visa. However, it’s not within our control to change another merchant’s category code.

Find out which are the common local and overseas websites where you can earn cash rebates from. There could be other eligible websites that are not on this list.


More details

What is classified as spending on entertainment?

Entertainment spending will include the following cafes:

  • Starbucks®

  • The Coffee Bean & Tea Leaf

  • The Connoisseur Concerto (tcc)

  • Dimbulah Coffee

  • Coffee Club

  • Costa Coffee

Entertainment spending will also include transactions made at all cinemas in Singapore as well as transactions made at drinking establishments (alcoholic beverages), bars, taverns, cocktail lounges, nightclubs and discotheques in Singapore, classified under the Merchant Category Code: 5813.

How do the weekend and weekday rebates work ?

The 5% entertainment rebate at bars, cinemas, KTVs, clubs and selected cafes is awarded for transactions made from 0000 hour on Friday to 2359 hour on Sunday (Singapore Time).

The 3% entertainment rebate at bars, cinemas, KTVs, clubs and selected cafes is awarded for transactions made from 0000 hour on Monday to 2359 hour on Thursday (Singapore Time).

NETS FlashPay

More details

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.

An Auto Top-Up fee of S$0.25 (GST inclusive) will be charged by NETS for each NETS FlashPay Auto Top-Up transaction involving your FRANK Credit Card.

Everything else

More details

Get 0.3% rebate for:

  1. all retail transactions;
  2. all online shopping, entertainment spending (at bars, cinemas, KTVs, clubs and selected cafes) and ATU transactions if you do not meet the minimum spend of S$400 outside of online spending and NETS FlashPay ATUs.

Set budgets and get alerts through SMS or email. Budgets are easy to stick to with SMS and email reminders. Every dollar counts when it comes to achieving your dreams.

It does all the hard work of organising and categorising your spending, leaving you free to do the things you really want to do.

It gives you a big picture of all your assets and liabilities on one page.

Money In$ights automatically shows exactly where your money is going.

Find out how much people like you are spending and saving, and see where others like you put their money.

Manage your money on the go with Mobile Banking. Scan and pay bills immediately anywhere. Available on iPhone and Android.

Transfer funds and send money to anyone easily. Available on iPhone and Android.

Go paperless with e-statements. Download and store your e-Statements easily on your computer. You can retrieve your e-statements on Online Banking anytime, anywhere.

People who write down their goals are 42% more likely to achieve them as compared to those who do not, according to a study conducted at Dominican University in California.


Fees and charges

Annual fees:

More details

Principal Card: S$80 a year
(Free for first 2 years)

Supplementary card: S$40 a year
(Free for first 2 years)

To earn an annual fee waiver for your FRANK Credit Card, you must meet the minimum spending of at least S$10,000 in one year, starting from the month in which your FRANK Credit Card was issued. Retail transactions, monthly Instalment Payment Plans and monthly PayLite instalments will all count towards the minimum spending required, so long as the amount is shown in your statement during the year and not refunded. However, Cash-On-Instalments, cash advances and bank charges or fees will not count.

Interest fees:

More details

Interest on purchases

25.92% per annum if full payment is not received by OCBC bank by payment due date. Minimum charge is S$2.50 per month and is calculated on a daily basis on the outstanding balance and all new purchases charged to your card account from the date of purchase(s) until the date that full payment is received by OCBC bank.

Interest-free period

23 calendar days from statement date if there is no balance carried forward from the previous statement.

Interest on cash advances

28.92% per annum on the amount withdrawn from the transaction date until the date that full payment is received by OCBC bank.

Cash advance fee:

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

Payment fees:

More details

Minimum monthly payment:

  • Accounts with outstanding amounts within the credit limit

    • S$50 or 3% of the total balance, whichever is higher, and any overdue amount.

  • Accounts with outstanding amounts exceeding the credit limit

    • 3% of the total balance plus the amount in excess of the credit limit and any overdue amount.

Late payment charges:

From 1 June 2017, the late payment charge for the FRANK Credit Card will be revised from S$80 to S$100.

Payment hierarchy:

If full payment is not received by OCBC bank by payment due date, payment is first applied to the balance that attracts the highest interest rate.

NETS & overseas fees:

More details

NETS FlashPay automatic top-up fee:

  • S$50 (top-up value)

  • An Auto Top-Up fee of S$0.25 (GST inclusive) will be charged by NETS for each NETS FlashPay Auto Top-Up transaction involving your FRANK Credit Card.

Fees for foreign currency transactions:

Foreign currency transactions, other than USD transactions, will first be converted to USD before being converted to SGD based on the exchange rates determined by the respective card associations.

All foreign currency transactions are subject to a currency conversion charge imposed by the respective card associations and an administrative fee imposed by the Bank amounting to 1% and 1.8% of the foreign currency transaction amount respectively.

An additional fee will be levied on all Visa and MasterCard transactions effected in Singapore dollars and processed overseas (including online transactions). This includes but is not limited to (i) any Visa or MasterCard retail transaction presented in foreign currency that you choose to pay in Singapore dollars via dynamic currency conversion and (ii) any online retail card transaction charged to your Visa and MasterCard cards on overseas websites in Singapore Dollars.

The additional fee charged is 1% on all converted Singapore dollar amounts for Visa and MasterCard transactions respectively.

Replacement fees:

More details

FRANK Card Replacement Fee:

Card replacement fee is waived for up to 2 replacements within a 12-month period. A S$30 card replacement fee applies from the 3rd replacement onwards.

Lost / stolen card liability:

S$100 (For details, refer to clause 9 of ABS’ Guide on “What You Should Know About Credit Cards”)

FRANK Card Design Fee:

For change of card design or lost/stolen cards, card design fee of S$10 – S$20 applies. For damaged or faulty card, card design fee is waived if there is no change in card design. Please click here for card design ID and fees.


How to maximize your rebates with the new FRANK Credit Card
Take the FRANK Credit Card for coffee, movies and drinks and enjoy up to 5% entertainment rebate. And when you get home, continue to indulge yourself online and enjoy 6% online shopping rebate.

With a rebate cap of S$60 a month, that’s S$720 a year!
Be sure to pay your credit card bills on time
Banks charge you substantial fees if you don’t pay bills on time. Furthermore, not clearing your debt punctually damages your credit score, which measures your financial health. It gauges how likely you are to pay off your debts and can also determine your chances for loan approvals or job opportunities in the future.

Am I eligible for the FRANK Credit Card?

You must be aged 21 and above.

Singaporeans & Singapore PRs: Minimum annual income of S$30,000.
Foreigners: Minimum annual income of S$45,000.
For supplementary card holders, you must be at least 18 years old.

What others are saying

What documents do I need to open an account?

For Singaporean/ Singapore PR:

  • Salaried employee
    1. NRIC
    2. Latest month CPF contribution history statement or latest computerised/electronic payslip and latest income tax notice of Assessment
      1. These documents may be retrieved at the branch with a valid SingPass
  • Self-Employed, Commissioned or Variable income earner
    1. NRIC
    2. Latest Income Tax Notice of Assessment OR Latest 12 months’ CPF Contributions
      1. These documents may be retrieved at the branch with a valid SingPass


  • Passport
  • Employment Pass (at least 6 months validity)
  • Latest computerised/electronic payslip and latest income tax Notice of Assessment or Original company letter certifying employment and salary

How to apply

Apply Online

Online exclusive: An additional 5 complimentary designs to choose from
Apply online now

Visit a FRANK Store

Visit any FRANK Store or OCBC Branches.
Frank store locations

  Current benefits New benefits
(Effective 1 October 2015)
Online shopping 6% 6%
Weekend (Fri-Sun) Cinemas, bars, clubs, KTVs & selected cafes 0.5% 5%
Weekday (Mon-Thur) Cinemas, bars, clubs, KTVs & selected cafes 0.5% 3%
Nets FlashPay ATU (first 2 top-ups) 6% 3%
Everything else 0.5% 0.3%
Minimum spend to earn rebates S$500 spend S$400 spend (Excluding Online spend and ATUs)
Monthly rebate cap 6% rebates on online purchase and ATU is capped at S$60

No cap on 0.5% rebates
Error processing SSI file

The relevant individual must have successfully registered himself/herself with OCBC via SMS to 76062 with "FRANK<space>NRIC or passport<space>Last 4 digits of card number".