Your cashback perks just got bigger and better!
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
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
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
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
Local currency 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
Find your style
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).
Card deals and stealsSee all deals
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
21 years old for principal card and
18 years old for supplementary card
S$30,000 a year for Singaporeans or Singapore PRs
S$45,000 a year for foreigners
FEES & charges
S$0 for first 2 years, then S$80 a year from 3rd year
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)
FAQSee all FAQ
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 EARNEDStarbucksIn-store payment in FXS$20 8% cashback on foreign currency transactions S$25*Scoop WholefoodsApple Pay / Google Pay in SGDS$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.
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Terms and conditions
Am I eligible?
Here's who can apply:
- Anyone 21 years old and above, 18 and above for supplementary card holders
- Singaporeans and Singapore PR with a min. annual income of S$30,000
- Foreigners with a valid pass and a min. annual income of S$45,000
What is an online purchase?
Online transactions are defined as goods and services you buy via the internet and mobile apps. These include Grab, Lazada/Redmart, Netflix, Spotify, NTUC online, Taobao etc but exclude top-ups and merchants classified under ineligible transactions such as insurance payments made to financial institutions.
What is a contactless mobile transaction?
Contactless mobile transaction refers to purchase made via Apple Pay, Samsung Pay, Google Play, Fitbit Pay or Garmin Pay.
What is considered foreign currency spending?
Foreign currency purchases made in-store refer to purchases of goods and services made face-to-face at physical stores with your physical card e.g. purchase of a bag in Euros made at a physical boutique.
What is considered an online transaction?
Online transaction refers to online purchase made in SGD.
The amount is calculated on a month (31 days) basis, this is for illustration purposes only. Actual amounts and figures may differ and vary based on the actual circumstances.
The calculator is for your convenience only and you have chosen to use it and rely on any results at your own risk. OCBC Bank will not under any circumstances accept responsibility or liability for any losses that may arise from a decision that you may make as a result of using the calculator.
Any of these documents:
- Latest CPF contribution history statement
- Latest payslip and income tax notice of assessment
Self-employed person or commissioned or variable income earner
Any of these documents:
- Latest income tax notice of assessment
- Latest 12 months' CPF contributions
Any of these documents:
- Latest payslip and latest income tax notice of assessment
- Original company letter for proof of employment and salary
What you need to apply at a FRANK store
Singaporeans or Singapore PR
- Latest month CPF contribution history statement OR latest payslip and income tax notice of assessment
Self-Employed, Commissioned or Variable income earners:
- Latest income tax notice of assessment OR latest 12 months' CPF contributions
- Employment Pass with 6 months' validity
- Latest payslip and latest income tax notice of assessment OR original company letter for proof of employment and salary
Removal of NETS FlashPay feature on FRANK Credit Cards
FRANK Credit Cards that are replaced on renewed from 24 June 2019 onwards will not have the NETS FlashPay feature. If you are still holding on to an existing FRANK Debit Card with NETS FlashPay, you may continue to use it.
Limited to first 3000 new-to-OCBC credit card customers who sign up online from 1 July 2020 - 30 Sep 2020.
FRANK Credit Card 2020 Launch 4% Upsized Promotion
- Limited to first 3000 new FRANK Credit Card customers.
- Bonus cashback capped at S$25/month from 1 July 2020 - 30 Sep 2020. This is on top of current S$75 cashback per month.
- Cardmembers must meet the S$600 minimum spending requirement each month to be eligible for the bonus cashback.
An upsized cashback programme will come your way on 1 November 2022.
Earn up to 10% cashback on your spending (with a S$100 maximum).