FRANK Credit Card

Credit Cards

FRANK Credit Card

Your passport to the world of FRANK. Get cash rebates whenever you hang out, dine out or checkout online. 

  • Rebates designed to reward young adults
  • 6% online rebate
  • Up to 5% entertainment rebate
  • 0.3% rebate on everything else
Apply now

You don't need to spend a lot for greater rebates.

You just need a card that offers you great rebates.

How it works

Earning Cash Rebates


  • 6% online shopping rebate
    Indulge and save on your online purchases, from clothes and gadgets, to flights and hotels, to movie tickets, and even to your Grab/Uber rides! Woohoo! 

More Details.

Hang Out

  • Up to 5% entertainment rebate.
    5% from Friday to Sunday, and 3% during the rest of the week at bars, cinemas, KTVs, clubs and selected cafes (Starbucks® , The Coffee Bean & Tea Leaf, The Connoisseur Concerto (tcc), Dimbulah Coffee, Coffee Club, Costa Coffee)
    Find out more. 

  • Plus 3% rebate on your first two NETS FlashPay Auto Top-Ups.

More Details. 


Cash In

  • S$60 monthly capped rebate
    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

More Details. 

Discount code, but permanent

6% rebates on online purchases

We can't promise you guilt-free purchases, but we can give you a few good reasons to buy the things you like.


Love to hangout & party?

Rave. Eat. Save. Repeat

With FRANK, wild nights out and lazy afternoons at cafes isn't spending - it's spending smart. 5% rebates (Fri - Sun) and 3% rebates (Mon - Thurs). 

Track your money

Spending & savings at a glance

We think saving and spending are not two separate things. Set saving goals and budgets with an OCBC 360 Account or FRANK Account. 


Mobile Payments

Stay ahead of the curve

Just tap and go, for movies, meals, shopping, and much more. Provision your card now!


Over 120 designs, over 120 personalities

Not just a card face. It's how it makes you feel.

Artisan collection

BRAVE by The Letter J Supply

"Being Brave is not only about big, daring actions. Courage is also the willingness to be vulnerable." -- Joanne, The Letter J Supply

Available for a limited time only, so get yours here now!


NEON DREAMS by Pencilled

"Dreams always stay lit, never dimmed." -- Pencilled

Available for a limited time only, so get yours here now!

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A youth partnership between FRANK by OCBC & StarHub


We’re now extending our partnership with StarHub to bring all FRANK customers exclusive offers and privileges. Time to get on the pursuit of savviness.


Before you apply

Am I Eligible?

You must be aged 21 and above.
Singaporeans & Singapore PRs:
Minimum annual income of S$30,000.
Minimum annual income of S$45,000.


For supplementary card holders, you must be at least 18 years old.

Fees & Charges

Annual Fees

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

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


Interest Fees

Interest on purchases 

25.92% per annum if full payment is not received by OCBC bank by payment due date. 

Payment Fees

The late payment charge for the FRANK Credit Card is S$100.

NETS & Overseas Fees:
NETS FlashPay auto top-up 
  • 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.

Replacement Fees

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.


Get the card that shows who you are

How to get your FRANK Credit Card

Apply Now

Just fill up the form, and someone will get back to to process your card application.

Find a store

Talk to our FRANK Ambassadors at any FRANK store or OCBC branches to apply.

What do I need to prepare

For Singaporean/Singapore PR:

Salaried employees:

  1. Your NRIC

  2. Latest month CPF contribution history statement or latest computerised/electronic payslip and latest income tax Notice of Assessment

    These documents may be retrieved at the branch with a valid SingPass


Self-Employed, Commissioned or Variable income earners:

  1. Your NRIC

  2. Latest Income Tax Notice of Assessment OR Latest 12 months' CPF Contributions

    These documents may be retrieved at the branch with a valid SingPass

For foreigners:
  1. Your Passport

  2. Employment Pass (at least 6 months validity)

  3. Latest computerised/electronic payslip and latest income tax Notice of Assessment OR original company letter certifying employment and salary

Important Notices:

With effect from 1 April 2018, the Terms and Conditions for the FRANK Cash Rebates Rewards Programme will be revised.

Terms and Conditions for FRANK Cash Rebates Rewards Programme
All about the FRANK Cash Rebates Rewards Programme
All about NETS FlashPay and how it works