FRANK Credit Card

Credit Card for Youths and Students

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

Get rebates for doing what you love

Show me how to apply

Why use the FRANK Credit Card?





Indulge and save on your online shopping, movie ticket bookings, travel bookings, hotel bookings and all manner of online transactions.





Earn 5% from Friday to Sunday, and 3% during the rest of the week at bars, cinemas, KTVs, clubs and selected cafes.
• Starbucks Coffee
• The Coffee Bean & Tea Leaf
• The Connoisseur Concerto (TCC)
• Dimbulah Coffee
• Coffee Club
• Costa Coffee

Show me the difference





Collect up to S$60 rebates per month when you spend a minimum of S$400 on your FRANK Credit Card (excluding Online and ATU spend).
3% rebate for the first 2 NETS FlashPay Auto Top-Ups
0.3% rebate for everything else

Let your personality shine with 120 unique card designs

Indulge yourself with 6% online shopping rebate.

All online purchases that fall under these categories give you 6% rebate with a minimum offline spend of S$400 (capped at S$60).


How do the FRANK Credit Card Rebates work?

Minimum Spend

More details

A minimum spend of S$400 on the FRANK credit card is required to qualify for additional cash rebate on online purchases, entertainment and Nets FlashPay Auto Top-Ups.

This S$400 excludes online transactions and NETS FlashPay Auto Top-ups. 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 NETS FlashPay Auto Top-ups) will not be counted.

Annual card fees, Cashwise Facility, Instalment Payment Plan, income tax, interest, late payment charges, goods and services taxes, Cash Advances, Balance Transfers, PayLite, OCBC internet banking transactions and other fees and charges will not be taken into account in the award and computation of cash rebates.

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 pay with your FRANK Credit Card. How the merchant bills the transaction determines whether it is an online or non-online transaction.

However, there could be cases when a genuine e-commerce transaction is not classified correctly as online by the merchant. If there is any discrepancy and the disputed transaction does not fall under any of the exclusion list, please contact us.

These transactions are not eligible for 6% online cash rebates:

  • Payments made via telephone or mail order;
  • Subscription and recurring payments;
  • Payments to government institutions;
  • Payments to financial institutions (including banks and brokerages);
  • Payments to insurance companies;
  • Utility bill payments;
  • Donations;
  • Payment of funds to prepaid accounts and merchants who are categorised as "payment service providers";
  • Payments to schools, hospitals, professional services providers and payments for parking lots
  • Payments of membership fees to clubs and associations;
  • Payments made via online banking;
  • Any other transactions determined by OCBC from time to time

How does the bank determine whether my transaction is eligible for 6% cash rebates?

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% cash rebates.

PayPal transactions

Are PayPal transactions included in online rebates?

Retail purchases via PayPal are included in online rebates.

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.


More details

What is classified as spending on entertainment

Entertainment Spending will include the following cafes

  • Starbucks Coffee
  • 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% cash rebates at selected Cafes, Cinemas, Bars & Entertainment is awarded for transactions made from 0000 Hour on Friday to 2359 Hour on Sunday (Singapore Time).

The 3% cash rebates at selected Cafes, Cinemas, Bars & Entertainment is awarded for transactions made from 0000 Hour on Monday to 2359 Hour on Thursday

NETS FlashPay

More details

ATU transactions are automatic top ups on the NETS FlashPay function charged to your FRANK credit card. The amount for each automatic top up is fixed at S$50 per transaction and may not be changed.

The 3% cash rebates for ATU transactions is awarded for up to two top ups per month (capped at S$3).

Everything else

More details

You will enjoy 0.3% cash rebates for or in respect of the following transaction and situations:

  1. for all retail transactions;
  2. for all spending Online, and at Cafes, Cinemas, Bars & Entertainment and/or ATU transactions if you do not meet the minimum spend of S$400 outside of Online and NETS FlashPay Auto Top ups

It doubles up 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 anymore. When your S$50 Auto Top-Up value runs out, it will auto top up and the S$50 transaction will appear on your monthly statement. The 3% 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. For a list of awesome deals that we recommend, visit our ‘Hot Deals’ page.


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.

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)

A minimum of S$5,000 annual Visa spend is required for subsequent annual fee waiver.

Interest fees:

More details

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:

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:

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

Payment hierarchy:

If full payment is not made 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)
  • 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:

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% rebates. And when you get home, continue to indulge in online shopping and enjoy 6% rebates.

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

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