Cashflo MasterCard
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
Fees & charges
- Principal card: S$64.20 a year
- Supplementary card: S$32.10 a year
- No annual fees for the first 2 years
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.
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
Travel
- ASA Holidays
- Nam Ho Travel
- CTC Travel
- Chan Brothers
- Dynasty Travel
- Expedia Singapore
- Hong Thai
- SA Tours
- Tradewinds Tours and Travel
- Five Stars Tours Pte Ltd
- British Airways
- Cathay Pacific Airways
- Emirates
- Malaysia Airlines
- Qantas Airways
- Singapore Airlines
Electrical & Furniture
- Best Denki
- Epicentre
- Harvey Norman
- Nubox
- Courts
- IKEA
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.
^Not applicable to any Cash Advance, Balances Transfer, Instalment Payment Plan, interest fees and such other promotions and transactions as we may determine.
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) |
| 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. |
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
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.
Motoring privileges
Get additional petrol discounts and site discounts at all Caltex service stations.
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.
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.
Apply Online
How to apply for a supplementary card
Terms and conditions
- OCBC Cashflo Card
- OCBC Cardmembers Agreement
- Electronic Banking Services
- Electronic Statements
- Termination of Travel Insurance
Please note the following changes governing the use of your OCBC Credit Cards with effect from 1 July 2012
Termination of OCBC Travel Insurance Programme
The OCBC Travel Insurance Programme for OCBC Generic Visa Classic/MasterCard Standard, OCBC Generic Visa/MasterCard Gold, OCBC Titanium, OCBC Platinum, and OCBC Arts Platinum cards will be discontinued from 1 Jul 2012.
For a worry-free holiday, get the comprehensive travel protection you need with TravelWise.
