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Get up to S$168 ang pow from OCBC when you apply your first OCBC credit card by 28 Feb 2019. Here's how:

Step 1: Apply for the OCBC Cashflo Credit Card and get S$88 cashback upon approval of first card

Step 2: Get $80 more when you spend S$800 within the first month of approval.

e.g. card approved in Jan, spend a min. of S$800 by 28 Feb

This promotion is only applicable to you if you are:

  • Applying for OCBC credit cards for the first time.
  • Applied through this website.

Promo period: 1 Jan - 28 Feb 2019

Terms and conditions apply.

apply now

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

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

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)
  • From 1 June 2017, the late payment charge for the OCBC Cashflo Credit Card will be revised from S$80 to S$100.
  • 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. Retail transactions, monthly Instalment Payment Plans and monthly PayLite instalments will all count towards the minimum spending required, so long as the amount is shown in your statement during the year and not refunded. However, Cash-On-Instalments, cash advances and bank charges or fees will not count.
  • Supplementary card: S$80.25 a year (First 2 years free)
  • The current interest rate is 26.88% per annum. This will be compounded if the monthly interest charges are not repaid in full.
  • Minimum payment: 3% of the total balance or S$50, whichever is higher, plus any overdue amount and excess in credit limit.
  • Late payment fee: S$80 if minimum payment specified in the billing statement is not received by payment due date
  • Cash advance fee: 6% of amount withdrawn (minimum S$15)
  • Interest charges for cash advance: 28.92% a year of amount withdrawn subject to compounding if the monthly interest charges are not repaid in full (minimum S$2.50)
  • Extension of term: 3% of outstanding amount applies for 3- and 6-month term, and 5% of outstanding amount applies for 12-month term.
  • Administrative fee: S$150 to accelerate payment of automatic instalments.

Apply Online

Get your credit card in

5 simple steps


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 ( or

Terms and conditions