OCBC NXT Credit Card

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.

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).

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.

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.