From 1 October 2025, when it is time to replace your card because it is expiring, damaged or lost, the replacement card will bear the Obsidian design (which comes in a sleek black).
OCBC FRANK CREDIT CARD
Your cashback perks just got bigger and better!
Score up to 10% in cashback with the OCBC FRANK Credit Card, which lets you earn more when you spend across categories.
Benefits
Earn up to 10% in cashback when you add to cart
Shopping online or booking your next trip? Earn 8% in cashback when you make online transactions in SGD – or foreign currency transactions online or in stores.
Plus, earn an additional 2% in cashback when you shop at selected green merchants.
Earn up to 10% in cashback when you tap to pay
Cashless is king! Earn 8% in cashback when you pay using your smartphone or watch - via Apple Pay, Samsung Pay or Google Pay™️ - in stores.
Plus, earn an additional 2% in cashback when you make contactless payments at selected green merchants.
Stay in control, anytime and anywhere
Lost your card or spot something suspicious? Use the OCBC app to lock your card, request a replacement and/or report unauthorised transactions (if any).
Cashback
Earn up to S$25 in each cashback category (up to S$100 a month).
8%
a month
Foreign currency transactions
Transactions made in foreign currency, both online and in stores
Transactions made in foreign currency, both online and in stores
8%
a month
Local currency transactions
- Online transactions made in SGD
- Transactions made via Apple Pay, Samsung Pay or Google Pay™ in SGD
- Online transactions made in SGD
- Transactions made via Apple Pay, Samsung Pay or Google Pay™ in SGD
+2%
a month
Green merchants
- Bus and train rides
- Electric vehicle charging stations
- Eco-retailers and more
- Bus and train rides
- Electric vehicle charging stations
- Eco-retailers and more
To qualify for the above cashback rates, your qualifying transactions must add up to at least S$800 a month. If you spend less than that (e.g. because you made transactions that fall outside of the cashback categories shown above), you will earn a flat 0.3% in cashback. T&Cs apply.
Before you apply
Eligibility requirements
Minimum age
21 years old for principal cardholders
18 years old for supplementary cardholders
Annual income
At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners
Fees
Principal card
S$196.20 (including GST), waived for the first two years
Supplementary card
S$98.10 (including GST), waived for the first two years
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000 in one year, starting from the month in which your OCBC FRANK Credit Card was issued
Other fees and charges
What to prepare
Important notices
Trademark Usage
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Samsung Pay and Samsung Wallet are registered trademarks of Samsung Electronics Co., Ltd. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
Android, Google Pay and Google Play are trademarks of Google LLC.
FAQs
Common questions
I need to replace my card soon. Which OCBC FRANK Credit Card designs can I choose from?
I notice that I can earn up to S$25 in each cashback category. How might this look like?
Here is an illustration that shows how your cashback will be calculated.
The maximum cashback a customer can earn in each category is S$25.
Is a FavePay transaction considered an online or in-store contactless payment?
A FavePay transaction made via the Fave app will be classified as an online transaction, since it is made through the Internet via an app.
Only Apple Pay, Samsung Pay and Google Pay™ transactions will be classified as in-store contactless payments.
Which transactions do not count towards the minimum monthly spending and cashback calculations?
Transactions under certain Merchant Category Codes (MCCs) will not count towards minimum monthly spending or cashback calculations. Examples include top-ups to e-wallets like Grab, YouTrip and Singtel Dash; tax payments; and insurance premium payments made to financial institutions.
For details, refer to the Terms and Conditions.
READY TO APPLY?
Apply for the OCBC FRANK Credit Card today
Salaried employee
Either:
- Your latest CPF contribution history statement; or
- Your latest pay slip and Notice of Assessment issued by the Inland Revenue Authority of Singapore (IRAS).
Self-employed person or commissioned or variable income earner
Either:
- Your latest Notice of Assessment issued by the Inland Revenue Authority of Singapore (IRAS); or
- Your CPF contributions for the last 12 months.
Foreigners
Either:
- Your latest pay slip and Notice of Assessment issued by the Inland Revenue Authority of Singapore (IRAS); or
- The original copy of your proof of employment and salary, issued by your employer.