OCBC Bank
OCBC Personal Banking

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Premier Banking

Card Services

Enjoy these added services with OCBC cards

Security

  • One-time password (OTP)

    To protect you from online fraud, OCBC will send you an OTP for extra security whenever you make online purchases.

  • Transaction alerts

    Be alerted via SMS upon your card’s first usage or when a transaction amount above the predefined limit is made to any of your OCBC credit or debit cards.

  • Card insurance

    Get comprehensive coverage with OCBC credit card insurance.

  • Credit Card and Debit Card activation

    You need to activate your new or replacement card before using it.

    Activate your card now.

    Click here for FAQ.

  • Deactivation of magnetic stripe

    From 1 July 2012, the magnetic stripe on your credit or debit card will be deactivated for local transactions. Thereafter, all local transactions can only be made with the EMV chip on your card. The magnetic stripe on your credit or debit card will, however, continue to be activated for overseas transactions.

    Click here for FAQ.

Easy ways to manage your card

  • Credit limit increase

    Increase your credit limit to meet your lifestyle requirements.

  • Manage your card statements (EasiPay & eStatements)

    Consolidate your monthly bills into one with your OCBC Credit Card or apply for online eStatements.

  • Get cash with your credit card (Cash Advance)

    Withdraw cash directly from any local or overseas ATM, OCBC bank branch or overseas bank branch (showing VISA or MasterCard logos). Call 1800 363 3333 if you do not have a PIN.

    Fees & Terms and Conditions

    Fees and Charges for ATM Usage

    Fees and Charges & Terms and Conditions

    - For credit cards approved before 22 August 2012, cash advance withdrawal limits are pegged to your available credit limit. For credit cards approved on or after 22 August 2012, the cash advance withdrawal limit is up to 70% of the approved credit limit of your card.

    - Maximum withdrawal amount from an OCBC ATM is S$1,000 per transaction up to your available credit limit, subject to a maximum of S$20,000 per day. Overseas ATMs may have different maximum withdrawal limits.

    - A Cash Advance Fee of S$15 or 6% on the amount withdrawn, whichever is greater, applies for each Cash Advance transaction.

    - Cash Advance interest of 28.92% p.a (minimum S$2.50) will be calculated on a daily basis and levied on the amount withdrawn from the withdrawal date until full payment. Interest subject to compounding if the monthly interest charges are not repaid in full.

  • Dollar-for-dollar matching (SmartChange)

    Round up your credit card bill to the nearest dollar and save the money in your account. OCBC will match your savings dollar-for-dollar.

  • Balance Transfer

    Enjoy extra cash at promotional interest rates with Balance Transfer.

  • Fixed repayment loan (CashWise)

    CashWise gives you extra cash and lets you pay back in instalments.

Payment options