OCBC Cashflo Credit Card

Singapore's Only Auto-instalment Card

Stretch your payments over 3 or 6 months at 0% interest with up to 1% rebate

Get and use your card instantly when you apply via MyInfo.

  • Instant approval
  • Instant digital card that can be used for mobile wallets, online and mobile app purchases*

*Excluding merchants that do not require CVV input

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How it works

The OCBC Cashflo Credit Card automatically splits your payments into monthly instalments and lets you earn up to 1% rebate on your purchases. Now you can divide and conquer your expenses for more control over your finances!


Pay over 3 months when you spend from S$100 to less than S$1,000

Pay over 6 months when you spend S$1,000 and more

up to

0.5% cash rebate with monthly bill below S$1,000

1% cash rebate with monthly bill of S$1,000 and above

Rebates are capped at S$100 per month.

3-month instalment payment

For example:

For purchases below S$1,000*

*Only applicable for a minimum spend of S$100.

Pay S$300 per month
Over 3 months

6-month instalment payment

For example:

For purchases above S$1,000

Pay S$200 per month
Over 6 months

Other Card Benefits

Don’t worry. Travel happy.

55% off Explorer travel insurance single trip plans with your OCBC Cashflo Credit Card

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STACK your rewards

Introducing STACK – The new digital platform to track and exchange points across different rewards programmes, and get exclusive access to deals on STACK Marketplace.

Find out more

Fees & charges


  • Age 21 and above
  • Annual income:
    S$30,000 and above for Singaporeans and Singapore PRs
    S$45,000 and above for foreigners

Fees & Charges

  • Principal card: S$160.50 a year (First 2 years free)
  • Supplementary card: S$80.25 a year (First 2 years free)
  • To earn an annual fee waiver for your OCBC Cashflo Credit Card, you must meet the minimum spending of at least S$10,000 in one year, starting from the month in which your OCBC Cashflo Credit Card was issued.
  • Extension of instalment term: 3% of outstanding amount applies for 3- and 6-month term extension, and 5% of outstanding amount applies for 12-month term extension.
  • Administrative fee: S$150 to accelerate payment of automatic instalments.
For more fees and charges, view here.

Apply Online

Get your credit card in

3 simple steps


Important things to note before you apply

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.

Terms and conditions


How to apply for a supplementary card

Explorer is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and member of the OCBC Group. Explorer is not a bank deposit or obligation of, or guaranteed by OCBC Bank. Policy Owners' Protection Scheme: This plan is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites (www.gia.org.sg or www.sdic.org.sg).

Terms and conditions

Please note the following changes governing the use of your OCBC Credit Cards with effect from 1 July 2012

Termination of OCBC Travel Insurance Programme

The OCBC Travel Insurance Programme for OCBC Generic Visa Classic/MasterCard Standard, OCBC Generic Visa/MasterCard Gold, OCBC Titanium, OCBC Platinum, and OCBC Arts Platinum cards will be discontinued from 1 Jul 2012.

For a worry-free holiday, get the comprehensive travel protection you need with Explorer Travel Insurance.