FRANK by OCBC - The Brand New Way to Bank

FRANK CREDIT CARD

Over 130 card designs

•	Check out our limited edition designer series card designs by :Phunk.
•	Change your card design whenever you like at any FRANK Store. Card design fee ranges from S$0 - S$50


Free card design when you apply for the FRANK Credit Card by 31 May 2012! (excludes designer series)

Awesome Deals

Await You

•	Enjoy 5% cash rebates^# on your shopping, dining, online purchases and transport expenses with your FRANK Credit Card now!
•	Check out more discounts and offers you can enjoy as other OCBC cardholders with your FRANK Credit Card

CASH OR REWARDS? IT’S YOUR CHOICE

•	Earn 1 OCBC$ for every S$1 charged to your FRANK Visa Credit Card anywhere.
•	Have the choice of redeeming your OCBC$ for cash or rewards.
•	No cap on cash rebates redeemed. Cash rebate redemption is available for every 1,000 OCBC$ accumulated.
•	Redeem anytime at ocbc.com/rewards

	OCBC$ Earned	CASH REBATE Equivalent
Every S$1,000 charged	1,000	S$10 (equivalent to 1%)*
First VISA charge	Bonus 100	S$1
S$1,200 charged each month	Bonus 100	S$1
Every charge to iTunes, Zuji, Groupon and Agoda	Bonus 100	S$1*
*Valid till 30 June 2012.

Be Rewarded When You Pay on Time

•	We reward you with a S$5 Coffee Bean & Tea Leaf voucher when you pay on time for 6 consecutive months in your first year of membership.
•	We’ll send you an SMS alert 5 days before payment due date to ensure you don’t miss the deadline.

One Card That Does It All

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Swipe it with VISA

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Make payment with NETS

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Withdraw cash at over 1,100 ATMs

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Train and bus rides with NETS FlashPay

•	NETS FlashPay is a stored value facility and each FRANK Credit Card has been auto-registered for NETS Auto Top-up (ATU)
•	Each ATU amount is set at S$50 which will be charged to your following month’s credit card bill. ATU occurs when there is insufficient value in your NETS FlashPay stored value facility to pay for your transport fares
•	Use it at over 9,500 retailers islandwide including F&B, entertainment outlets and convenience stores etc
•	You may choose to deactivate your ATU function at any iNETS kiosk

Check out more details here.

Frank alert! requirements and charges you should know before applying:

FRANK Alert! Fees and charges you should know
Card Design Fee	S$0-S$50 depending on card design. Fee also applies for card design change. Please visit FRANKbyOCBC.com for card design ID and fees.
Annual Fee	S$30 (first year waived for Principal and Supplementary Cards). (With effect from 1 Apr 2012, annual fee will be revised to S$32.10 inclusive of 7% GST.) A minimum of S$6,000 annual Visa spend is required for subsequent annual fee waiver.
Card Replacement Fee	S$30 plus card design fee
Minimum Monthly Payment	3% of total balance or S$50, whichever is higher, plus any overdue amount and credit limit excess.
Late Payment Fee	S$55 if minimum payment is not received by the payment due date. (With effect from 1 Apr 2012, the late payment fee will be revised to S$60.)
Interest Charges	24.96% p.a. subject to compounding if you don’t pay monthly charges in full (minimum charge of $2.50).
Cash Advance Fee	6% of the amount you withdraw (minimum S$15).
Interest Charges for Cash Advance	28.92% p.s. of the amount you withdraw subject to compounding if you don’t pay the monthly charges in full (minimum charge of S$2.50).
Nets FlashPay Registration Fee	S$1.50 (waived till 30 Jun 2012)
Nets FlashPay Top-up Fee	S$50 (top-up value) S$0.15 per automatic top-up (waived till 30 Jun 2012)
For tips on managing your spending and credit better, click here.

Terms & Conditions

^#The 5% cash rebate offer is valid at selected merchants in Singapore, online shopping and transport charges (NETS FlashPay Auto Top-up and taxi). Offer is valid from 9 March to 31 May 2012 at Topshop, Topman, Miss Selfridge, Dorothy Perkins, Ben Sherman, Canele and Sakae Sushi and valid from 9 March to 31 August 2012 at Spruce, 15 minutes, Astons Prime and Specialities restaurants, for online shopping and transport charges. All transport, retail shopping and dining charges must be made in Singapore and online shopping is applicable for retail purchases only. Payment must be charged to FRANK Credit Card. Cash rebate from the retail and dining merchants is capped at S$50 based on the posted transactions per calendar month per Cardmember. Cash rebate from online shopping and transport charges is capped at S$10 based on the posted transactions per calendar month per Cardmember. The maximum cash rebate is S$60 per calendar month per Cardmember. Cash rebate is computed based on 2 decimal places per transaction with any rounding. The cash rebate earned by both Principal and Supplementary Cardmembers will be credited to the Principal Cardmember’s Credit Card account and reflected in the next month’s billing statement of the Principal Credit Cardmember. FRANK by OCBC reserves the right to vary, terminate or add to any of these terms and conditions and selection of merchants at any time at its discretion without notice.

Terms & Conditions apply. Annual fee for the FRANK Credit Card is S$30 p.a. (with effect from 1 April 2012, annual fee will be revised to S$32.10 inclusive of 7% GST). The effective interest rate is 24.96% p.a. and is subject to compounding if the monthly interest charges are not repaid in full apply.