OCBC NXT Credit Card

Split any payment, anywhere. On anything

Why you will love this

Interest-free auto-instalments

Ease of split payments across 3 or 6 months

Earn 1% cash rebates when your monthly bill is S$1,000 or more

Who can apply

Singaporean or Singapore PR above 21 years old with an annual income of at least S$30,000

Foreigner above 21 years old with an annual income of at least S$45,000


Enjoy exclusive MARQUEE Nightclub Singapore privileges Find out more


Revision of interest rate for all OCBC credit cards

From 8 May 2023, the interest rate applied to the outstanding balance for all OCBC credit cards will be 27.78% instead of 26.88% per annum. If the minimum amount is not paid by the due date, a higher interest rate of 30.78% per annum will apply.

The first Buy Now Pay Later Credit Card that allows you to split any payment and enjoy 0% interest instalments. #FlexItNXT

Split any transaction automatically

Hassle-free auto-instalments

OCBC NXT Credit Card automatically splits your transactions into monthly instalments, so you don’t have to worry about paying all your expenses at one go.

Interest-free instalments with rebates

0% instalments with rebates

OCBC NXT Credit Card is an interest-free auto-instalment credit card that offers you up to S$100 in monthly rebates.

Flexible payments over 3 or 6 months

Pay over 3 or 6 months

Your payments will be automatically split across 3 months for transactions between S$100 and S$1,000 or across 6 months for transactions equal to or greater than S$1,000.

Earn monthly cash rebates

Up to S$100 in cash rebates every month

Earn 0.5% cash rebates if your monthly bill is less than S$1,000 and 1% cash rebates if your monthly bill is equal or greater than S$1,000. Capped at S$100 a month.

Exclusive marquee nightclub privilege
Exclusively for OCBC NXT Credit Cardmembers
  • Priority reservations for standing tables
  • 10% discount for any order of a 10-bottle train of Veuve Clicquot Ponsardin

Find out more

Photo credit: MARQUEE Nightclub

Earn higher interest rates with OCBC 360 Account and OCBC NXT Credit Card

Here is why together is always better. Earn up to 4.65% a year on the first S$100,000 in your OCBC 360 Account when you do more with us.

Plus, enjoy S$50 cash reward when you open your OCBC 360 Account and credit your salary within 2 months.

Find out more 

Getting started

Let OCBC NXT Credit Card ease your monthly cashflow

Charge your purchases to the card to enjoy auto-instalments with rebates!


Apply for the card

Apply online via MyInfo and get your card approved instantly. (Conditions apply)


Activate your card and start spending

You can start using your card immediately upon activation.


Pay over 3 or 6 months

Your payments will be automatically split across 3 months for transactions between S$100 and S$1,000 or across 6 months for transactions equal to or greater than S$1,000.


Earn cash rebates each month

Up to S$100 in cash rebates will be automatically credited to you monthly. Earn up to 0.5% if your monthly bill is less than S$1,000 and 1% if your monthly bill is equal to or greater than S$1,000. Capped at S$100 a month.

Before you apply

Eligibility requirements

Minimum age

21 years old

Annual income

S$30,000 and above for Singaporeans and Singapore PRs

S$45,000 and above for foreigners


Principal card

S$160.50 a year (waived for the first 2 years)
S$162.00 from 1 January 2023

Supplementary card

S$80.25 a year per card (waived for the first 2 years)
S$81.00 from 1 January 2023

Interest rate


Late payment charge


Minimum spend requirement for automatic waiver of annual fee

S$10,000 in one year, starting from the month in which your OCBC NXT Credit Card was issued

Other fees and charges

Important notices

Credit Bureau Singapore
Please note that additional time may be needed to review your application as Credit Bureau Singapore will be synchronising data from 12am to 8am daily.

MyInfo will be temporarily unavailable from 2am to 8.30am every Wednesday and Sunday due to scheduled maintenance.

System Maintenance
Please note that your product may not be availed to you instantly during system maintenance hours between 9.30pm to 6am.

Ready to apply?

Apply for the OCBC NXT Credit Card today

OCBC NXT Card application
What is my auto-instalment Trigger Amount?

This refers to the minimum amount for each transaction you made on the OCBC NXT Credit Card, before we automatically split the payment into instalments for you.

The default Trigger Amount which you can set when you apply for the card is S$100. This means all transactions of at least S$100 or more will be automatically split into instalments.

You can also set a higher Trigger Amount if you wish.

Can I change my Trigger Amount after I apply for the card?

You can change the Trigger Amount from the default S$100 to another amount any time by contacting our hotline at 6363 3333 or +65 6363 3333 (from overseas).

Will all my OCBC NXT Credit Card transactions be automatically converted to instalments?

Selected transactions will not be converted automatically to instalments, e.g. cash advances, cash-on-instalment, balance transfers, transactions made at premises of or relating to casinos or online gambling entities etc.

Do all transactions qualify for rebates on the OCBC NXT Credit Card?

Cash rebates are awarded only for retail purchases made on the card.

However, the following will not be taken into account in the award and computation of cash rebates:

  • Annual card fees, interest, late payment charges;
  • Tax payments;
  • Bill payments made via Internet Banking and any AXS Network;
  • Transactions at TransitLink General Ticketing Machines, transportation and other transactions under MCC 4111;
  • Cash-On-Instalment Facility, Instalment Payment Plan, PayLite, Cash Advances, Balance Transfers; and
  • Any such other fees, charges, payments, services, products and/or facilities as may be decided by us in our absolute discretion at any time and from time to time.
  • For the avoidance of doubt, the Bank has the absolute discretion to decide whether or not to provide any notice in relation to any of its decisions made hereto.
  • MCC 4111 refers to transactions for “Transportation – Suburban and Local Commuter Passenger, including Ferries”.

You may refer to the Terms and conditions governing OCBC NXT Credit Card for the full list of excluded MCCs and merchant transactions.

More questions and answers