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

Apply now

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
Worldhotels
Worldhotels

15% off best available rates

Find out more
Lotte World
Lotte World

20% off Lotte World Free Pass tickets

Find out more
A.H.C Cosmetic
A.H.C Cosmetic

30% off

Find out more

Other Card Benefits

Lazada.sg
Lazada.sg

S$7 off with a min. of S$50 spent
Enter promo code 'OCBC2016' and use your OCBC Cashflo Credit Card at checkout page

Find out more
Hotels.com
Hotels.com

Get 8% off your hotel bookings when you use the promo code 'mastercard' and pay with your OCBC Cashflo Credit Card

Find out more
Caltex
Explorer Travel Insurance

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

Find out more
Qoo10
Qoo10 Singapore

Save up to S$40 on your Qoo10 purchases 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)
    (Annual fee will be waived if you spend at least S$10,000 by each anniversary date of your OCBC Cashflo Credit Card)
  • 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

 


How to apply for a supplementary card

With effect from 19 September 2016, the OCBC Credit Cardmembers' Agreement will be revised, mainly to address changes to the Cashwise nomenclature, updates to the Cash Advance terms and other editorial amendments.
Please refer to http://www.ocbc.com/assets/pdf/cards/cm_agreement.pdf for the revised OCBC Credit Cardmembers' Agreement.

Terms and conditions

 



How to apply for a supplementary card

With effect from 19 September 2016, the OCBC Credit Cardmembers' Agreement will be revised, mainly to address changes to the Cashwise nomenclature, updates to the Cash Advance terms and other editorial amendments.
Please refer to http://www.ocbc.com/assets/pdf/cards/cm_agreement.pdf for the revised OCBC Credit Cardmembers' Agreement.

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