Cash Advance

Get extra cash from your OCBC Credit Card

Why you will love this

Turn your available Credit Card limit into cash

Easily get your cash via online transfer, ATMs and bank branches

Travel worry-free with access to cash overseas with your OCBC Credit Card

Who can apply

OCBC Credit Cardmembers (excluding Business/Corporate Card)

IMPORTANT NOTICE

The Cash Advance feature on most credit cards will be disabled from 20 March 2023

From 20 March 2023, we will be disabling the Cash Advance feature on all credit cards, unless the Cash Advance feature was utilised from Jan 2020 to Jan 2023. If so, we will be leaving this feature enabled for your convenience. The Cash Advance feature will also be left enabled on the supplementary card(s) that are tied to your respective credit card(s).

Find out more on how to enable/disable the Cash Advance feature.

This notice is dated on 20 March 2023.

Never worry about not having enough cash on hand. With OCBC Cash Advance, you can turn the credit limit on your OCBC Credit Card into cash instantly.

Benefits

Convert your unused Credit Card limit into cash instantly

Get extra cash with a Cash Advance fee of S$15 or 8% on the amount withdrawn, whichever is greater.

Get extra cash with a Cash Advance fee of S$15 or 8% on the amount withdrawn, whichever is greater.

Easy Access to Cash

Make instant fund transfers via OCBC Online banking or cash withdrawals from any OCBC ATM island-wide.

Make instant fund transfers via OCBC Online banking or cash withdrawals from any OCBC ATM island-wide.

Travel Worry-Free with your OCBC Credit Card

Get extra cash overseas when you withdraw from your OCBC Credit Card.

Get extra cash overseas when you withdraw from your OCBC Credit Card.

How to use

Online Banking or Mobile Banking

  • Simply login to your Internet Banking or OCBC Mobile Banking app
  • Transfer funds from your OCBC Credit Card to any bank account instantly

ATM

  • Withdraw cash at any OCBC ATM island-wide with your OCBC Credit Card and PIN

Branch

  • Withdraw cash over the counter at any OCBC branch

Overseas

  • While overseas, look out for any ATM with a VISA or MasterCard logo
  • While overseas, visit any VISA or MasterCard affiliated bank branch
Before you apply

Fees

Cash Advance transaction fee
(for all OCBC Credit Card except NTUC/OCBC Plus! Visa Credit Cards)

S$15 or 8% on the amount withdrawn, whichever is greater

Cash Advance transaction fee
(for NTUC/OCBC Plus! Visa Credit Cards)

S$15 or 6% on the amount withdrawn, whichever is greater

Cash Advance interest

28.92% a year (minimum S$2.50)


Terms and conditions

  1. For credit cards approved before 22 August 2012, cash advance withdrawal limits are pegged to your available credit limit. For credit cards approved on or after 22 August 2012, the cash advance withdrawal limit is up to 70% of the approved credit limit of your card.
  2. Maximum withdrawal amount from an OCBC ATM is S$1,000 per transaction up to your available limit, subject to a maximum of S$20,000 a day. Overseas ATMs may have different maximum withdrawals limits. Your Credit Card PIN is required.
  3. Cash Advance interest of 28.92% a year (minimum S$2.50) will be calculated on a daily basis and levied on the amount withdrawn from the withdrawal date until full payment. Interest subjected to compounding if the monthly interest charges are not repaid in full.

Terms and conditions governing the OCBC Cash Advance Cashback Promotion 2022


Ways to apply

Perform an OCBC Cash Advance