Home of making money and sense

Credit Cards

FRANK Credit Card

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

  • Rebates designed to reward young adults
  • 6% online rebate
  • Up to 5% entertainment rebate
  • 0.3% rebate on everything else
Apply now


Don’t forget to pamper yourself while you #WFH! Check out using FRANK Credit Card to unlock exclusive youth perks at clarins.com:

  • 6% online rebate with FRANK Credit Card
  • 10% off all My Clarins products when you check out at clarins.com with promo code: FRANK10
  • Receive a 2-pc gift (worth $22) with any purchase of My Clarins products

Promotion till 30 June 2020. T&Cs apply.


OCBC EASICREDIT S$60 cash rebate

Be ready for life’s twists and turns. Get an emergency cash line together with your credit card.

Opt-in for OCBC EasiCredit while you sign up for FRANK Credit Card or apply online directly via MyInfo.

Terms and conditions apply.

Learn more


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. 

Over 120 designs, over 120 personalities

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

This month's curation


"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!



“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!


NEON DREAMS by Pencilled

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

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

1 of 5
1 of 5
Before you apply

Am I Eligible?

You must be aged 21 and above.
Singaporeans & Singapore PRs:
Minimum annual income of S$30,000.
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


sign up

How to get your FRANK Credit Card

Apply online via MyInfo

Sign up for your FRANK Credit Card via MyInfo to unlock amazing rebates!

Find a Store

Visit any FRANK Store or OCBC Branch to apply.

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.