Credit Cards & Debit Cards

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Credit Cards

Notes

i) FRANK Credit Cards issued from 4 July 2019 will no longer offer the NETS FlashPay feature. If your existing FRANK Credit Card carries the NETS FlashPay logo, you may continue to use this feature until the card expires or when you receive a new one. However, NETS FlashPay auto top-up transactions that are shown in your account statements from 1 July 2019 will not earn any cash rebates.

ii) The interest rate for OCBC credit cards (excluding NTUC/OCBC Plus! Visa Credit Cards) is 26.88% per annum if we do not receive full payment by the due date. The interest rate for NTUC/OCBC Plus! Visa Credit Cards is 25.92% per annum. If we do not receive full payment by the due date, a minimum charge of $2.50 a month, calculated from the transaction date, will be billed to your account.

iii) On 1 January 2019, the interest rate for NTUC/OCBC Plus! Visa Credit Cards will be revised from 25.92% per annum to 26.76% per annum.

Fees and Charges
Plus! Collaboration Clause

iv) All foreign currency transactions are subjected to a currency conversion charge imposed by the respective card associations and bank administrative fee of the foreign transaction amount.

From 3 December 2019, the bank administrative fee for foreign transactions on OCBC Credit Cards (except for NTUC Plus! Visa Credit Card and OCBC Plus! Visa Credit Card) will be revised from 2% to 2.25% of the foreign currency transaction amount.

The foreign transactions on OCBC Credit Cards imposed by the respective card associations remains at 1%.

Fees & Charges

Cards	Annual fees	Other Charges
OCBC 365 Credit Cards	Main Card: S$192.60/year (First 2 years free) Supplementary Card: S$96.30/year (First 2 years free)	Late payment charge From 1 June 2017, the late payment charge for the OCBC 365 Credit Card will be revised from S$80 to S$100. Annual fee waiver spend requirement With effect from 1 June 2016, we will revise the minimum spend requirement for automatic waivers of Annual Fee for OCBC 365 Credit Card from S$5,000 to S$10,000.
OCBC Titanium Credit Card, OCBC Titanium Rewards Credit Card	Main Card: S$192.60/year (First 2 years free) Supplementary Card: S$96.30/year (First 2 years free)	Late payment charge From 1 June 2017, the late payment charge for the OCBC Titanium and OCBC Titanium Rewards Credit Card will be revised from S$80 to S$100. Annual fee waiver spend requirement. With effect from 1 June 2016, we will revise the minimum spend requirement for automatic waivers of Annual Fee for OCBC Titanium and OCBC Titanium Rewards Credit Card from S$5,000 to S$10,000.
OCBC Plus! Visa Credit Card	Main Card: S$107/year (Free for first year) Supplementary Card: Free	Late payment charge From 1 June 2017, the late payment charge for the OCBC Plus! Visa Credit Card will be revised from S$80 to S$100.
NTUC Plus! Visa Credit Card	Main Card: Free for life Supplementary Card: Free	Late payment charge From 1 June 2017, the late payment charge for the NTUC Plus! Visa Credit Card will be revised from S$60 to S$100.
OCBC Robinsons Group Credit Card	Main Card: S$192.60/year (Free for first year) Supplementary Card: S$96.30/year	Late payment charge From 1 June 2017, the late payment charge for the OCBC Robinsons Group Credit Card will be revised from S$80 to S$100.
FRANK Credit Card	Main Card: S$80/year (First 2 years free) Supplementary Card: S$40/year (First 2 years free)	Late payment charge From 1 June 2017, the late payment charge for the FRANK Credit Card will be revised from S$80 to S$100.
OCBC BEST Denki Credit Card	Main Card: S$160.50 a year (First 2 years free) Supplementary Card: S$80.25 a year (First 2 years free)	Late payment charge From 1 June 2017, the late payment charge for the OCBC BEST Denki Credit Card will be revised from S$80 to S$100.
OCBC Arts Credit Card, OCBC Platinum Credit Card	Main Card: S$160.50/year (Free for first year) Supplementary Card: S$80.25 a year (Free for first year)	Late payment charge From 1 June 2017, the late payment charge for the OCBC Arts Credit Card and OCBC Platinum Credit Card will be revised from S$80 to S$100.
OCBC VOYAGE Credit Card	Main Card: S$488 (with GST) with15,000 complimentary VOYAGE Miles Or S$3,210 with 150,000 KrisFlyer Miles Or S$10,000 with 500,000 KrisFlyer Miles Supplementary Card: S$188 (with GST), first year waived for first 2 supplementary cards	Late payment charge From 1 June 2017, the late payment charge for the OCBC VOYAGE Credit Card will be revised from S$80 to S$100.
OCBC Cashflo Credit Card, OCBC Great Eastern Cashflo Credit Card	Main Card: S$160.50/year (First 2 years free) Supplementary Card: S$80.25/year (First 2 years free)	Late payment fee: From 1 June 2017, the late payment charge for the OCBC Cashflo and OCBC Great Eastern Cashflo Credit Cards will be revised from S$80 to S$100. Cash advance fee: 6% of amount withdrawn (minimum S$15) Administrative fee: S$150 to accelerate payment of automatic instalments.