INSTANT APPROVAL

Get straight to your card

We know you are here because you have great friends that refer you to great things.

Refer your friends

Get cashback with every referral invite

Both you and your friend will receive cashback when you apply for a FRANK Credit Card with your friend's invite link. This referral program is valid from 1 March 2022 to 30 April 2022. Limited to the first 300 customers only.

If you: You receive: Your friend receives:
  • Do not possess any OCBC Credit Card at the time of application
  • Did not cancel any OCBC Credit Cards in the last 12 months
S$50 cashback S$50 cashback
  • Possess 1 or more OCBC Credit Cards at the time of application
  • Cancelled any OCBC Credit Cards in the last 12 months
S$30 cashback S$30 cashback
Refer your friends

Get cashback with every referral invite

Both you and your friend will receive cashback when you apply for a FRANK Debit Card with your friend's invite link. This referral program is valid from 1 March 2022 to 30 April 2022. Limited to the first 500 customers only.

If you: You receive: Your friend receives:
  • Open a FRANK Account with Debit Card
  • Did not cancel a FRANK Debit Card in the last 6 months
S$10 cashback S$10 cashback

IMMEDIATE PERKS

A truly instant process.

Here's how you can use and enjoy your card-related benefits immediately upon receiving your digital card:

  • Connect to your mobile

    Add your card into your mobile wallet (e.g. Apple Pay, Fitbit Pay, Google Pay​®, Samsung Pay) to pay for in-store purchases.

  • Checkout seamlessly

    Checkout using your card details for online and mobile app purchases*.

  • Make auto-payments

    Use your card to pay for recurring bills (e.g. monthly utility bills and subscriptions).

  • *Excluding merchants that do not require CVV input.


Before you apply
  • Important things to note

    Frequently asked questions

    Credit Bureau Singapore

    Please note that additional time may be needed to review your application as Credit Bureau of Singapore will be synchronising data from 5am to 6am daily and from 12am to 7am at the end of each month.

    MyInfo

    MyInfo will be temporarily unavailable from 2am to 8.30am every Wednesday and Sunday due to scheduled maintenance.

    System maintenance

    Please note that your product may not be availed to you instantly during system maintenance hours between 9.30pm to 6am.

    Singapore Deposit Insurance Corporation

    Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

    Mobile payments

    Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google LLC. All other third party company, product, and service names mentioned herein are marks, trademarks, registered trademarks or service marks of the respective owners.

    Referral Consent

    By submitting this application, you agree that the Bank can disclose your credit card application status to third parties, who referred you to apply for this debit or credit card.

    Fees & charges

    Principal card

    S$0 for first 2 years, then S$80 a year from 3rd year

    Supplementary card

    S$0 for first 2 years, then S$40 a year from 3rd year

    Automatic annual fee waiver

    Minimum spending of S$10,000 in one year, starting from the month after your FRANK Credit Card was issued ($0 annual fees for the first 2 years)

    Others

    See all fees & charges