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Credit Cards

FRANK Credit Card

Your passport to the world of FRANK. Get cash rebates whenever you hang out, dine out or checkout online. 

  • Get S$50 when you sign up for the FRANK Credit Card via MyInfo and a free 1-night stay at M Social Singapore if you spend a minimum of S$400 within the qualifying period.
  • Rebates designed to reward young adults
  • 6% online rebate
  • Up to 5% entertainment rebate
  • 0.3% rebate on everything else
Apply now
CARD DEALS

S$50 CASH REBATE & FREE STAYCAY JUST FOR YOU.

Sign up for your FRANK Credit Card via MyInfo and S$50 is yours. Just like that.

Upsize your deal with a FREE staycay @ M Social Singapore worth S$180 when you spend S$400 within the qualifying period.

Apply by 23 December 2019. Valid for new OCBC Cardmembers.

Terms and Conditions

Existing OCBC Cardmembers can sign up to unlock amazing rebates on the FRANK Credit Card

SIGN UP PROMOTION

30 BEFORE 30 BUCKET LIST WITH UP TO S$20,000

Stand to win up to S$20,000 cash prize with our 30 Before 30 Bucket List Lucky Draw. Save, spend, protect & invest your way to win! Contest ends 30th November 2019. T&Cs apply.

 

Terms and Conditions

Learn more
MARKETPLACE DEALS

GET ACCESS TO EXCLUSIVE REWARDS WITH STACK

Introducing STACK, the new digital platform where you can track and manage your rewards points across multiple rewards programmes, and which gives you access to more than 200 deals on the STACK Marketplace.

For a limited time only, we have more than 50,000 deals waiting for you.

 

Learn more

You don't need to spend a lot for greater rebates.

You just need a card that offers you great rebates.

How it works

Earning Cash Rebates

6% on spending purchases.

  • From shopping, travel bookings, movie tickets and even to your Grab rides! Woohoo!

More Details.

Up to 5% on entertainment.

  • 5% from Friday to Sunday, and 3% during the rest of the week at bars, cinemas, KTVs, clubs and selected cafes (Starbucks® , The Coffee Bean & Tea Leaf, & more)

More Details. 

 

$S60 monthly capped.

  • Get up to S$60 in rebates per month when you spend a minimum of S$400 in-store on your FRANK Credit Card (excluding Online, EZ-Link Top-ups and Transit Link related transaction).
  • 0.3% rebate on everything else

More Details. 

GET MORE REBATES WITH FRANK CREDIT CARD

The more, the merrier.

Reebonz
6.6% cashback
More Details. 

Puma
6.6% cashback
More Details. 

 

Sephora
6.6% cashback
More Details. 

iHerb
5.5% cashback
More Details.

Under Armour
6.6% cashback
More Details. 

 

Lazada
12.1% cashback
More Details. 

Zalora
15% off
More Details. 

 

Expedia
S$15 off
More Details.

 

Deliveroo
S$4 off your first 3 orders for new customers
More Details. 

 

Over 120 designs, over 120 personalities

Not just a card face. It's how it makes you feel.

This month's curation

ORHGANIC COLLECTION

"I wanted each card to showcase a different side of M Social, with the complete set tying them together, so that when FRANK users get the different cards, it communicates the idea of M Social Singapore having something for everyone." – Wei Jiang (@Orhganic), Photographer

Available for a limited time only, so get yours here!

ARTISAN COLLECTION

RESURGENCE

“I am very inspired by cinematic movies - colours and the environment and atmosphere play a huge part in that. This photo was taken in Poland on a cold wintry day. I want to convey the message that we need to look deeper, be more patient – a virtue essential in photography.”
– Yik Keat, Photographer

Available for a limited time only, so get yours here!

Artisan collection

Threading Dreams

“This design serves as a reminder to us that everything starts from zero. Cotton becomes thread, thread becomes yarn, and yarn becomes fabric. With each stitch, pieces are formed as bonds between them are strengthened. The result is a large piece of patchwork that takes on a new life on its own – a representation of life and unity in another form.” — Linda Hao

Available for a limited time only, so get yours here now!

Artisan collection

BRAVE by The Letter J Supply

"Being Brave is not only about big, daring actions. Courage is also the willingness to be vulnerable." -- Joanne, The Letter J Supply

Available for a limited time only, so get yours here now!

ARTISAN COLLECTION

NEON DREAMS by Pencilled

"Dreams always stay lit, never dimmed." -- Pencilled

Available for a limited time only, so get yours here now!

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Before you apply

Am I Eligible?

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.

Fees & Charges

Annual Fees

Principal Card
S$80 a year (Free for first 2 years). To earn annual fee waiver for your FRANK Credit Card, you must spend a minimum of at least S$10,000 in one year, starting from the month after your FRANK Credit Card was issued. 

Supplementary Card
S$40 a year (Free for first 2 years)

 

Interest Fees

26.88% p.a.

For more information on Fees & Charges for Credit Card, please refer to https://www.ocbc.com/assets/pdf/cards-fee-charge.pdf

 

What do I need to prepare

For Singaporean/Singapore PR:

Salaried employees:

  1. Your NRIC

  2. Latest month CPF contribution history statement or latest computerised/electronic payslip and latest income tax Notice of Assessment

    These documents may be retrieved at the branch with a valid SingPass

 

Self-Employed, Commissioned or Variable income earners:

  1. Your NRIC

  2. Latest Income Tax Notice of Assessment OR Latest 12 months' CPF Contributions

    These documents may be retrieved at the branch with a valid SingPass

For foreigners:
  1. Your Passport

  2. Employment Pass (at least 6 months validity)

  3. Latest computerised/electronic payslip and latest income tax Notice of Assessment OR original company letter certifying employment and salary

Frequently Asked Questions:

For more Frequently Asked Questions, click here.