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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. 

  • PROMOTION : Up to S$168 cash reward when you sign up online
  • Rebates designed to reward young adults
  • 6% online rebate
  • Up to 5% entertainment rebate
  • 0.3% rebate on everything else
Apply now

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% online shopping rebate
    Indulge and save on your online purchases, from clothes and gadgets, to flights and hotels, to movie tickets, and even to your Grab rides! Woohoo! 

More Details.

Hang Out

  • Up to 5% entertainment rebate.
    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, The Connoisseur Concerto (tcc), Dimbulah Coffee, Coffee Club, Costa Coffee)
    Find out more. 

  • Plus 3% rebate on your first two NETS FlashPay Auto Top-Ups.

More Details. 


Cash In

  • S$60 monthly capped rebate
    Collect 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, NETS FlashPay Top-ups, EZ-Link Top-ups and Transit Link related transaction).
  • 3% rebate on the first 2 NETS FlashPay ATU
  • 0.3% rebate on everything else

More Details. 

Discount code, but permanent

6% rebates on online purchases

We can't promise you guilt-free purchases, but we can give you a few good reasons to buy the things you like.


Love to hangout & party?

Rave. Eat. Save. Repeat

With FRANK, wild nights out and lazy afternoons at cafes isn't spending - it's spending smart. 5% rebates (Fri - Sun) and 3% rebates (Mon - Thurs). 

Track your money

Spending & savings at a glance

We think saving and spending are not two separate things. Set saving goals and budgets with an OCBC 360 Account or FRANK Account. 


Mobile Payments

Stay ahead of the curve

Just tap and go, for movies, meals, shopping, and much more. Provision your card now!


Over 120 designs, over 120 personalities

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



“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!

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A youth partnership between FRANK by OCBC & StarHub

Exclusive for new OCBC CARDMEMBERS

Apply for the FRANK Credit Card online from 1 January 2019 till 28 February 2019 to enjoy S$88 cashback and receive additional S$80 cashback when you spend a min. of S$800 by the end of the next month following card approval date.



Terms and Conditions


We’re now extending our partnership with StarHub to bring all FRANK customers exclusive offers and privileges. Time to get on the pursuit of savviness.


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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.
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)

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


Interest Fees

Interest on purchases 

Until 31 August 2018, the interest rate is 25.92% p.a. This will be compounded if the monthly interest charges are not repaid in full.

From 1 September 2018, the interest rate will be revised to 26.88% p.a.

Payment Fees

The late payment charge for the FRANK Credit Card is S$100.

NETS & Overseas Fees:
NETS FlashPay auto top-up 
  • S$50 (top-up value)

  • An Auto Top-Up fee of S$0.25 (GST inclusive) will be charged by NETS for each NETS FlashPay Auto Top-Up transaction involving your FRANK Credit Card.

Replacement Fees

Card replacement fee is waived for up to 2 replacements within a 12-month period. A S$30 card replacement fee applies from the 3rd replacement onwards.


Get the card that shows who you are

How to get your FRANK Credit Card

Apply Now

Submit your online application.

Find a store

Talk to our FRANK Ambassadors at any FRANK store or OCBC branches 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