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
Get 10% off SG Comic Con tickets!
IMPORTANT NOTICE
Revision of interest rate for all OCBC credit cards
From 8 May 2023, the interest rate applied to the outstanding balance for all OCBC credit cards will be 27.78% instead of 26.88% per annum. If the minimum amount is not paid by the due date, a higher interest rate of 30.78% per annum will apply.
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 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!
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
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Food
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Shopping apps
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Groceries
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Pet supplies
-
travel bookings
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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)
+
+
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 Pay or Garmin Pay in SGD
+
+
Other spending
0.3%
a month
(S$25 maximum)
+
Green merchants
2%
bonus
(S$25 maximum)
=
=
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
Don't miss out on this!
Singapore Comic Con 2023 is here!
Happening from 9 - 10 December 2023, enjoy 10% off all ticket bundles (capped at S$7) with your FRANK by OCBC Debit or Credit Card! Just enter promo code <FRANK10OFF> when you pay with your FRANK Card! Limited tickets available.
Terms and conditions apply.
Before you apply
-
Eligibility
Min. age
21 years old for principal card and
18 years old for supplementary cardMin. income
- At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
- At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
- At least S$45,000 for foreigners
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FEES & charges
Principal card
S$196.20 (including GST), waived for the first two years
Supplementary card
S$98.10 (including GST), waived for the first two years
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)
Others
FAQ
See 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.
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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.comStarbucksOnline payment in FXIn-store payment in FXS$400S$208% cashback on foreign currency transactions S$25* foodpandaZARAScoop WholefoodsOnline payment in SGDApple Pay / Google Pay in SGDApple Pay / Google Pay in SGDS$50S$150S$1508% 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.
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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.
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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.
blog
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Terms and conditions
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Important notices