OCBC Cashflo Credit Card

Singapore's Only Auto-instalment Card

Stretch your payments over 3 or 6 months at 0% interest with up to 1% rebate

How it works

The OCBC Cashflo Credit Card automatically splits your payments into monthly instalments and lets you earn up to 1% rebate on your purchases. Now you can divide and conquer your expenses for more control over your finances!


 
0
%
interest

Pay over 3 months when you spend below S$1,000*

Pay over 6 months when you spend S$1,000* and more

*Only applicable for a minimum spend of S$100.

up to
1
%
rebate

0.5% cash rebate with monthly bill below S$1,000

1% cash rebate with monthly bill of S$1,000 and above



3-month instalment payment

For example:


For purchases below S$1,000*

*Only applicable for a minimum spend of S$100.

Pay S$300 per month
Over 3 months



6-month instalment payment

For example:


For purchases above S$1,000

Pay S$200 per month
Over 6 months

Exclusive Deals

Cliff House Hotel
The Cliff House Hotel, Ireland

20% saving on all suite bookings

Find out more
Lotte World
Lotte World

20% off Lotte World Free Pass tickets

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A.H.C Cosmetic
A.H.C Cosmetic

30% off

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Other Card Benefits

Caltex
Explorer Travel Insurance

Up to 50% off travel insurance with your OCBC Cashflo Credit Card

Find out more

Fees & charges

Eligibility

  • Age 21 and above
  • Annual income:
    S$30,000 and above for Singaporeans and Singapore PRs
    S$45,000 and above for foreigners

Fees & Charges

  • Principal card: S$160.50 a year (First 2 years free)
  • To earn an annual fee waiver for your OCBC Cashflo Credit Card, you must meet the minimum spending of at least S$10,000 in one year, starting from the month in which your OCBC Cashflo Credit Card was issued. Retail transactions, monthly Instalment Payment Plans and monthly PayLite instalments will all count towards the minimum spending required, so long as the amount is shown in your statement during the year and not refunded. However, Cash-On-Instalments, cash advances and bank charges or fees will not count.
  • Supplementary card: S$80.25 a year (First 2 years free)
  • The effective interest rate is 25.92% p.a. per annum and is subject to compounding if the monthly interest charges are not repaid in full.
  • 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$80 if minimum payment specified in the billing statement is not received by payment due date
  • 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

 


Terms and conditions

 



How to apply for a supplementary card

Explorer is underwritten by The Overseas Assurance Corporation Ltd, a wholly-owned subsidiary of Great Eastern Holdings Ltd and a member of the OCBC Group. Explorer is not a bank deposit or obligation of, or guaranteed by OCBC Bank. Policy Owners' Protection Scheme: This plan is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).

Terms and conditions