OCBC Cashflo MasterCard


Age 21 and above

Annual income:
S$30,000 and above for Singaporeans and Singapore PRs
S$45,000 and above for foreigners

How to apply

Fees & charges

Principal card: S$160.50 a year
(Annual fee will be waived if you spend at least S$5,000 by each anniversary date of your OCBC Cashflo MasterCard)

Supplementary card: S$80.25 a year

No annual fees for the first 2 years

The effective interest rate is 25.92% per annum and is subject to compounding if the monthly 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
  • OG
  • Takashimaya
  • Isetan

Luxury brands

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


  • Great Eastern Life Assurance Private Limited*
  • NTUC Income Insurance Co-Operative Limited
  • Overseas Assurance Corporation Ltd*


  • 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/

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. Transactions made under merchant category codes 4829, 6010, 6011, 6012, 7995, 9405, 9700, 9701, 9702, 9751, 9752 and 9950 will not be eligible for conversion to 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

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


Exclusive all-in MasterCard fares from S$273 onwards

View more details

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 25.92% per annum if full payment is not made by payment due date. Minimum charge is S$2.50 per month and is calculated from the transaction date until the date that full payment is made.
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

Get your credit card in

5 simple steps


How to apply for a supplementary card

Terms and conditions