OCBC Cashflo Credit Card

Eligibility

  • Age 21 and above
  • Annual income S$30,000 and above
    (Minimum S$15,000 for senior citizens age 55 and above)
  • Singaporeans, Singapore PRs and foreigners

How to apply

Fees & charges

  • Principal card: S$64.20 a year
  • Supplementary card: S$32.10 a year
  • No annual fees for the first 2 years

The effective interest rate is 24.96% p.a. (25.92% p.a. with effect from 1 September 2014), subject to compounding if the monthly interest charges are not repaid in full.


How it works

6-month payments at selected merchants

Spend overseas* or at participating merchants and make payments over 6 months with no interest.

*Overseas spend is defined as all spend denominated in a currency other than SGD.

For example, if you book a travel package for 2 to Maldives at S$5,400, your monthly payment will be S$900.

Cashflo Credit Card | Step 1 (6-month payments) | OCBC Cashflo Credit Card | Step 2 (6-month payments) | OCBC Cashflo Credit Card | Step 3 (6-month payments) | OCBC


Extend your purchasing power with the 6-month payment plan*
at these participating merchants

Department stores

  • Golf House
  • Robinsons
  • Robinsons - Coast Boutique
  • John Little
  • Marks & Spencer
  • Metro
  • River Island
  • TANGS
  • OG
  • Takashimaya
  • Isetan

Luxury brands

  • Coach
  • Hermès
  • Louis Vuitton
  • Prada
  • Tiffany & Co
  • Cortina Watch
  • Dickson Watch
  • The Hour Glass
  • Reebonz

Insurance

  • American International Assurance Company Limited
  • AXA Insurance Singapore
  • AXA Life Insurance
  • Great Eastern Life Assurance Private Limited*
  • NTUC Income Insurance Co-Operative Limited
  • Overseas Assurance Corporation Ltd*

*Note: With effect from 2 May 2014, all new transactions for Great Eastern Life and Overseas Assurance Corporation Ltd will be converted to 12 months instalments

Travel

  • ASA Holidays
  • Nam Ho Travel
  • CTC Travel
  • Chan Brothers
  • Dynasty Travel
  • Expedia Singapore
  • Hong Thai
  • SA Tours
  • Tradewinds Tours and Travel
  • British Airways
  • Cathay Pacific Airways
  • Emirates
  • Malaysia Airlines
  • Qantas Airways
  • Singapore Airlines

 

Electrical & Furniture

  • Best Denki
  • Epicentre
  • Harvey Norman
  • Nubox
  • Courts
  • IKEA

Medical/ Hospitals/
Drug Stores/
Pharmacies

All merchants
worldwide that have their main business activities classified as
'Medical', 'Hospitals', 'Drug Stores' and 'Pharmacies' respectively.

 

 

Note: Your use of the OCBC Cashflo Card to pay a merchant for purchase of any goods/services is subject to the approval and/or terms and conditions of the relevant merchant.

3-month payments anywhere

For everything else^, split payments over 3 months with no extra cost.

First, set a trigger amount. The 3-month payment plan will be activated when your purchase hits that trigger amount.

For example, if your child's violin lessons costs S$900, your monthly payment will be S$300.

Cashflo Credit Card | Step 1 (3-month payments) | OCBC Cashflo Credit Card | Step 2 (3-month payments) | OCBC Cashflo Credit Card | Step 3 (3-month payments) | OCBC

^Not applicable to any Cash Advance, Balances Transfer, Instalment Payment Plan, interest fees and such other promotions and transactions as we may determine.

Enjoy monthly rebates

Get cash rebates of up to 1% with any amount spent. Use your rebates to offset monthly bills and free up your expenses.

Monthly Bill Receive
S$0 – S$500 0.3% rebates
S$500.01 – S$1,000 0.5% rebates
Above S$1,000 1% rebates

Other benefits

Movie discounts

Discounts on movie tickets and combo meals at Shaw Theatres & MasterCard® privileges at Cathay Cineplexes

View more details

Dining privileges

Be served the best discounts for dining including Timbre, House, Rakuichi Japanese Restaurant, The Disgruntled Chef, Peach Garden, Peony Jade, Red House Seafood Restaurant, and more.

View full details and other card benefits


Motoring privileges

Get additional petrol discounts and site discounts at all Caltex service stations and Esso stations.

View full details and other card benefits

Hassle-free online shopping

Shop conveniently at over 300,000
US online stores with www.shoponline.com.


Travel privileges

Enjoy your dream vacation with special discounts on your Expedia purchases.

View more details

Subscription discounts on selected magazine titles

15% OFF 1-year subscription of Young Parents, Home & Décor, Her World, Men’s Health, Golf Digest and more.

Find out more



Fees & charges

Minimum payment 3% of the total balance or S$50, whichever is higher, plus any overdue amount and excess in credit limit.
Late payment fee S$60 if minimum payment specified in the billing statement is not received by payment due date
Interest charges 24.96% a year subject to compounding if the monthly interest charges are not repaid in full(minimum S$2.50)

(With effect from 1 September 2014, if payment is not made in full by the payment due date, interest charges is calculated at 25.92% per annum (minimum $2.50 per month) on a daily basis on the outstanding balance and all new purchases charged to your card account from the date of purchase(s).)
Cash advance fee 6% of amount withdrawn (minimum S$15)
Interest charges for cash advance 28.92% a year of amount withdrawn subject to compounding if the monthly interest charges are not repaid in full (minimum S$2.50)
Extension of term 3% of outstanding amount applies for 3- and 6-month term, and 5% of outstanding amount applies
for 12-month term.
Administrative fee S$150 to accelerate payment of automatic instalments.

Apply Online

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How to apply for a supplementary card

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