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.
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.
*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
Electrical & Furniture
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.
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.
Get cash rebates of up to 1% with any amount spent. Use your rebates to offset monthly bills and free up your expenses.
|S$0 – S$500||0.3% rebates|
|S$500.01 – S$1,000||0.5% rebates|
|Above S$1,000||1% rebates|
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.
Get additional petrol discounts and site discounts at all Caltex service stations and Esso stations.
Shop conveniently at over 300,000
US online stores with www.shoponline.com.
Enjoy your dream vacation with special discounts on your Expedia purchases.
15% OFF 1-year subscription of Young Parents, Home & Décor, Her World, Men’s Health, Golf Digest and more.
|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.|
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.