OCBC Cashflo Credit Card

Stretch your payments over monthly instalments

Why you will love this

0% interest auto-instalment card

Enjoy cash rebates of up to S$100 a month

Automatically split your payments into 3- or 6-month instalments, at no extra cost

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

 

Sign-up for an OCBC Cashflo Credit Card Get S$60 rebate

Ease your cash flow and enjoy cash rebates when you stretch your payments over monthly instalments at 0% interest.

benefits

Hassle-free auto-instalments

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

0% instalments with rebates

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

From 1 October 2020, a processing fee of 1% will be imposed for Great Eastern premiums charged under a 12-month instalment plan to your card.

Pay over 3 or 6 months

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

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.

Note: From 1 October 2020, a processing fee of 1% will be imposed for Great Eastern premiums charged under a 12-month instalment plan to your card. In addition, cash rebates will no longer be awarded for Great Eastern premiums.

Promotion

Apply, spend and earn rebate!

Apply for an OCBC Cashflo Credit Card online by 31 October 2020 to earn S$60 rebate with a minimum spend of S$600 within two months of your card approval date.

(Card must be applied and approved by 31 October 2020.)

Rebates will be credited on the following month after the minimum spend has been made.

Terms and conditions apply.

Getting Started

Let OCBC Cashflo Credit Card ease your monthly cashflow

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

1

Apply for the card

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

2

Activate your card and start spending

You can start using your card immediately upon activation.

3

Pay over 3 or 6 months

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

4

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.

Note: From 1 October 2020, a processing fee of 1% will be imposed for Great Eastern premiums charged under a 12-month instalment plan to your card. In addition, cash rebates will no longer be awarded for Great Eastern premiums.

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


Fees

Principal card

S$160.50 a year (waived for the first 2 years)

Supplementary card

S$80.25 a year per card (waived for the first 2 years)

Interest rate

26.88%

Late payment charge

S$100

Minimum spend requirement for automatic waiver of annual fee

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

Other fees and charges

Click here for more 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
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 Cashflo Credit Card today

Cashflo Credit Card
FAQs
What is my auto-instalment Trigger Amount?

This refers to the minimum amount for each transaction you made on the OCBC Cashflo 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 Cashflo 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 Cashflo 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 Cashflo Credit Card for the full list of excluded MCCs and merchant transactions.

More questions and answers