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Credit Cards

FRANK Credit Card

Add to cart, add to your phone, add to your favourite apps – cashback for your online lifestyle.

  • 6% online cashback
  • 6% in-store mobile contactless payments (e.g Apple Pay, Samsung Pay, Google Pay) & in-store foreign currency spending
  • S$600 minimum spend
Apply now
  • cards
  • FRANK Credit card

Your cashback perks just got bigger and better!

Perfect for executives

Score up to 10% in cashback with the FRANK Credit Card, which now lets you earn more when you spend across categories.

  • Earn 8% in cashback on foreign currency transactions and online/contactless mobile transactions in SGD
  • Earn an additional 2% when you shop at selected green merchants New!
  • Earn up to S$100 in monthly cashback when you spend at least S$800 a month

Earn up to S$120 in cashback when you sign up and spend with your FRANK Credit Card. T&Cs apply.

Find out more

Up to 10% in cashback
when you add to cart

Earn 8% in cashback on all local online purchases, or on purchases made in foreign currency at your favourite stores.

Earn an additional 2% when you shop at selected green merchants like Scoop Wholefoods, Little Farms and more!

Up to 10% in cashback
in just a few taps

Earn 8% in cashback when you pay with your smartphone or watch – via Apple Pay, Samsung Pay, Google Pay, Fitbit Pay or Garmin Pay – in stores.

Plus, earn an extra 2% in cashback when you make contactless payment at selected green merchants like SimplyGo, BlueSG and more!

Safe & secure

Lock your card, request for a new one and report suspicious transactions via OCBC Mobile Banking app

Money In$ights

Track the ins and outs of your money each month

Learn more

Click to pay with Visa
Pay with fewer clicks

Online payments are now made easy when you Click to Pay with Visa. Visa Cardmembers can now simply select the Click to Pay icon upon checkout and that’s it!

Up to 10% in cashback on

  • Food

  • Shopping apps

  • Groceries

  • Pet supplies

  • travel bookings

  • transport (Simply go)

Receive up to S$100 in cashback each month – just spend at least S$800 a month online or in any store that accepts contactless mobile payment.

How it works

Earn up to S$100 in cashback as you spend across more categories

FX transactions

8%

a month
(S$25 maximum)

Purchases made in foreign currency, both online and in stores

+

+

Local currency transactions

8%

a month
(S$25 maximum)

Online transactions

Online purchases made in SGD

Contactless mobile transactions

Purchases made via Apple Pay, Samsung Pay, Google Play, Fitbit Pay or Garmin Pay in SGD

+

+

Other spending

0.3%

a month
(S$25 maximum)

+

Green merchants

2%

bonus
(S$25 maximum)

Transactions made at SimplyGo, BlueSG, Scoop Wholefoods and more.

=

=

Total Cashback

Up to

S$100

a month

To enjoy the above, you must spend at least S$800 a month. If you spend less than that, you will earn a flat 0.3% in cashback.
See terms and conditions

card designs

Find your style

  • New!
    Obsidian
    card id
    FRK2020
    Obsidian
  • Vortex
    card id
    PRF0002
    Vortex
Sign up and spend promotion

Earn up to S$120 in cashback when you sign up now

To enjoy the following exciting cashback offers, simply – before 31 December – apply online for a new FRANK Credit Card, sign up for this promotion and get spending!

  • Earn S$80 in cashback if you spend at least S$800, in stores or online, with your new FRANK Credit Card. For the first 500 eligible applicants only.

  • Earn S$120 in cashback if you spend at least S$1,200, in stores or online, with your new FRANK Credit Card. For the first 400 eligible applicants only.

BONUS LUCKY DRAW: Every S$400 you spend on your new FRANK Credit Card from 11 November to 31 December will earn you a chance (up to 5 chances) to win 2x cashback on your spending (S$2,000 maximum).

Terms and conditions, fees and charges apply.

New perks and bonus cashback

This November and December, get yourself some extra cashback on top of the new FRANK Credit Card perks! Simply spend at least S$800 monthly to earn a S$25 cashback each month. Till 31 December 22, limited to the first 1,000 eligible cardmembers per month. T&Cs apply.

Earn up to S$30 cashback

Get S$1 cashback for every transaction (minimum spend of S$20) you make with your FRANK Credit Card. Accumulate up to S$15 cashback each month, for a total of S$30 over the course of the promotion. Only customers who receive the eDM/SMS will be eligible to participate.

Before you apply
  • Eligibility

    Min. age

    21 years old for principal card and
    18 years old for supplementary card

    Min. income

    S$30,000 a year for Singaporeans or Singapore PRs
    S$45,000 a year for foreigners

  • 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)

  • what to prepare

    Singaporeans or Singapore PR

    NRIC
    If salaried employee
    If self-employed person or commissioned or variable income earner

    Foreigners

    Passport
    Employment Pass with 6 months' validity
    Income documents

Start earning up to 10% in cashback

  • What FRANK Credit Card design choices do I have? How can I change my card design?

    Effective 1 July 2020, new applicants for the FRANK Credit Card can choose between 2 designs – Obsidian (FRK2020) and Vortex (PRF0002). These 2 designs are also applicable for card design change requests for current Cardmembers.

    If you are an existing FRANK Credit Cardmember and wish to change your design, you can visit an open OCBC branch, or call our hotline +65 6363 3333.

    Please note that safety procedures are adhered to at OCBC Branches to ensure safe distancing during COVID.

    If you are an existing FRANK Credit Cardmember who is currently happy with your existing design, no further action is needed. Your card replacements will continue to be in your existing design.

  • How are the rebates calculated with S$25 sub-caps?

    To illustrate the S$25 sub-cap:

    MERCHANT PAYMENT MODE SPEND AMOUNT BONUS CASHBACK CATEGORY CASHBACK EARNED
    Booking.com
    Starbucks
    Online payment in FX
    In-store payment in FX
    S$400
    S$20
    8% cashback on foreign currency transactions S$25*
    foodpanda
    ZARA
    Scoop Wholefoods
    Online payment in SGD
    Apple Pay / Google Pay in SGD
    Apple Pay / Google Pay in SGD
    S$50
    S$150
    S$150
    8% cashback on SGD transactions S$25*
    Scoop Wholefoods Apple Pay / Google Pay in SGD S$150 2% cashback on spend at selected green merchants S$3
    PS.Cafe Visa Paywave (using card) S$50 0.3% cashback on other transactions S$0.60
    Total S$820 S$53.60

    *The maximum cashback a customer can receive per category is capped at S$25.

  • Is FavePay considered an online or in-store mobile contactless payment transaction?

    A FavePay payment via the Fave app will be classified as an online transaction as the purchase is made through the internet via an app. Only Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay transactions will be classified under the in-store mobile contactless payments category.

  • What categories of spending are excluded from the minimum monthly spending and cashback calculations?

    Certain Merchant Category Codes are excluded from cashback calculations and will not count toward the minimum spend requirement. Examples include: top-ups to e-wallets including that of Grab, Youtrip, Singtel Dash, tax payments, insurance premium purchases made to financial institutions.