FRANK Credit Card

Indulge yourself to live your dreams with FRANK

The joy of life is in the little things. It is a credit and transport card that gives you 6% rebate and more!

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Why use the FRANK Credit Card?

Save up to $720 a year or $60 a month with 6% rebates

Applies to online purchase and NETS FlashPay Auto Top-Ups. This lets you indulge and save on your online shopping, movie ticket bookings, travel bookings, hotel bookings and all manner of online transactions.

Information on rebates

Choose from 120 of the coolest hand-picked card designs

With 120 unique designs, take your time to pick the one that you like best. Let your personality show every time you pay with your Frank Credit Card. Change your design as often as you fancy!

It is a credit card, transport card and ATM card

Goodbye, fat wallet! Tap, pay and enjoy 6% rebates for MRT, bus rides, ERP charges and even carparks with EPS Cepas 2. Withdraw cash and make NETS payments like an ATM card (You have to link it at an ATM first).

Let your personality shine with 120 unique card designs


It doubles as a transport card and ATM card

With the NETS FlashPay Auto Top-Up feature, you don’t need to queue to top up your transport card again. When your $50 Auto Top-Up value runs out, it will auto top up and the $50 transaction will appear on your monthly statement. The 6% rebate applies to your first 2 Auto Top-ups.

FRANK Card Privileges

When you’re with FRANK, you get to enjoy fantastic privileges specially tailored for FRANK customers. Receive 6% rebates when you shop online. Click here for common websites you can earn rebates on.

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Faster payment with Visa payWave

Visa payWave lets you breeze through check out faster since you don’t need to fumble for cash. Simply wave your card in front of a secure reader and you’re on your way. Works for transactions below S$100. Widely accepted in Starbucks®, Subway®, Watsons and many more.

Use your fingerprint to check your bank balances with OCBC OneTouch™ on our Mobile Banking App.

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.

Save for your dreams with the Frank Savings Goals. You are more likely to overspend, if you don't develop a habit of setting aside a specific amount of money as savings. Always pay yourself first.

Set up your Savings Goals online with your own pictures. Cash placed in your Savings Goals are locked in. You can release that cash anytime via Online Banking.

Set saving goals that make automatic savings each month, and track your progress towards each goal.


Fees and charges

Annual fees:

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S$32.10 (2 years waived for Principal and Supplementary Cards)
A minimum of S$6,000 annual Visa spend is required for subsequent annual fee waiver.

Interest fees:

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Interest on purchases

25.92% per annum if full payment is not made by payment due date. Minimum charge is S$2.50 per month and is calculated from the transaction date until the date that full payment is made.

Interest-free period

24 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 made.

Cash advance fee:

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

Payment fees:

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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:

S$60 if the minimum payment is not received by payment due date.

Payment hierarchy:

OCBC Credit Cards (except PLUS Visa Credit Card)
If full payment is not made by payment due date, payment is first applied to the balance that attracts the lowest interest rate.

NETS & overseas fees:

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NETS FlashPay automatic top-up fee:

  • S$50 (top-up value)
  • S$0.25 per automatic top-up (waived till 31 December 2015)
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.

Replacement fees:

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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:

$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.

Am I eligible for the FRANK Credit Card?

You must be aged 21 and above with a minimum annual income of S$30,000.

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

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How to apply

Apply Online

Apply online to choose from an additional 5 card designs.
Apply online now

Visit a Frank Store

Visit any FRANK Store or OCBC Branches.
Frank store locations

Apply by SMS

SMS <FRANK> <Name> <NRIC> to 76062 and we’ll contact you within 3 business days.