Cash rebates all year round
  • Enjoy 6% rebates on online purchases and NETS FlashPay Auto Top-Ups (maximum of S$60 per month) when you spend at least S$500 a month. That adds up to S$720 a year!
  • Use the NETS FlashPay on the FRANK Credit Card for MRT and bus rides, or movie tickets, quick bites and more.
  • You can enjoy unlimited rebates of 0.5% on all other purchases.
Terms and conditions apply
How it works
Spend at least S$500 a month on your card Spend less than S$500 a month on your card
  • 6% rebates
  • When you've earned S$60 rebates a month, you are still entitled to get unlimited 0.5% rebates
  • Unlimited 0.5% rebates
  • Unlimited 0.5% rebates
  • Unlimited 0.5% rebates

Online retail transactions are defined as goods or services you buy via the internet and pay with your FRANK Credit Card. These transactions are excluded from the calculation of cash rebates: purchases made via telephone or mail order; bill payments (online mobile bill payment to Singtel, Starhub and M1 are eligible); recurring payments for mobile, telephone, cable, insurance, utility bills or income tax; donations; payment of funds to prepaid accounts, payments using internet banking; annual card fees; Instalment Payment Plans; Cashwise facility, Cash Advances and Balance Transfers; Goods and Services tax; fees and charges such as interest and late payment charges or any other transactions determined by OCBC from time to time.

Click here for the common websites that you can earn rebates on
(Do note that it is NOT limited to this list, we love to list down everything but there is not enough space to do so.)

The determination of an online transaction is based on system indicator. These indicators are decided by the merchant and their banker and get passed to the Bank
when the transaction is posted to the card. Typically, merchants will classify the transactions as online or non-online. However, we noticed that some purchases made
online were not classified as online transactions and we are looking into rectifying this. If you notice a discrepancy in the cash rebates, please contact our hotline at
1800 363 3333 for assistance.

Here are more benefits with the FRANK Credit Card:

Many awesome FRANK deals await you
  • Receive further discounts when you shop at FRANK partners including:

More discounts & privileges

Over 120 card designs to choose from
  • Card design fees are waived
  • Choose from 3 new FREE card designs
View card gallery
The FRANK Credit Card doubles up as a transport card

The FRANK Credit Card comes registered with the NETS FlashPay Auto Top-Up feature. You can tap to activate and enjoy 6% rebates on:

  • Your rides on MRT and public buses, payment at ERP and EPS Cepas 2 carparks
  • Over 40,000 retail outlets (which include McDonald's, Starbucks, Cathay Cineplexes and Watsons) with NETS
    FlashPay readers/ terminals
  • Note: The FlashPay ATU feature will only work when you tap your card for MRT/LRT, public buses, ERP and EPS Cepas2 car parks. ATU feature doesn't work at retail outlets.

Frequently Asked Questions (FAQs)

Faster payment with Visa payWave

The FRANK Credit Card comes with a Visa contactless payment feature that allows customers to make faster and easier transactions below S$100. Widely accepted in Starbucks, Subway, Watsons and many more.

Be rewarded when you pay your bills 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. Promotion is limited to a maximum of 2 redemptions per cardmember.

Easily manage your credit card
spending through Online Banking

Know where your money is going with OCBC Money In$ights via OCBC Online and Mobile Banking.

Watch our video to learn more about Money In$ights.

Keep track of your spending automatically

  • Our Money Flow feature automatically tracks how much you have spent
  • View your spending by month or by category (i.e. shopping, dining, travel, etc.)

Set budgets and get alerts through SMS or email

  • Set your monthly budget by category or lump sum
  • Receive alerts when you are close to exceeding your spending budget
  • Manage your upcoming bills easily with the calendar view

See how other people like you manage their money

  • Find out how much people like you are spending and saving
  • See where others like you put their money

Take a tour of
Money In$ights

Money In$ights FAQs

FRANK alert!
Requirements & charges you should know before applying:
Requirement & Charges
Age and Income Requirement You must be aged 21 and above with a minimum annual income of S$30,000.
Annual Fee 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.
Card Replacement Fee

For lost card or change of card design

  • Card replacement fee is waived*
  • Card design fee from S$10 - S$20 applies

For damaged or faulty card

  • Card replacement fee is waived
  • Card design fee is waived if there is no change to the card design. If you wish to change your card design, card design fee from S$10 – S$20 applies

*Note: Up to 2 replacements in a 12 month period; 3rd replacement onwards will be charged a S$30 card replacement fee.

Nets FlashPay
Top-up Fee
S$50 (top-up value)
S$0.25 per automatic top-up (waived till 30 June 2014)

View full list of fees & charges

Sign up for a FRANK Credit Card
Sign up for the FRANK Credit Card online and choose from over 120 free card designs.


  1. SMS <FRANK> space <YOUR NAME> space <NRIC> to 76062 to apply. E.g. FRANK ALICE TOH S1234567A
  2. If you are applying using a foreign mailing address, please download the form and mail it back to us.

View all card designs at the FRANK Card Gallery.

Got your new card already?
Activate now to start enjoying awesome deals and privileges.
Click here for FAQ

From 1 October 2013, the magnetic stripe on all credit and debit cards will be deactivated for overseas transactions. You may wish to activate the magnetic stripe if you are travelling overseas via OCBC Online Banking or from 1 October 2013

Click here for FAQ