Tap on your unused credit limit and receive up to 2.3% unlimited cashback!
Turn your unused credit limit into cash, without the need for additional income documents
Repay with fixed instalments over 12 to 60 months
Interest rates from as low as 3.80% per annum (EIR 7.49% per annum)
Singaporean or Singapore PR above 21 years old with an annual income of at least $20,000
Foreigner above 21 years old with an annual income of at least $45,000
Best for those who prefer to pay a fixed sum every month.
Key in the amount you would like to convert to Cash-on-Instalments and select your loan tenor to see how much you have to repay monthly.
Calculate your monthly repayment
I would like to make fixed repayments over 0
If you would like a loan which you can repay over a period of less than 1 year, please check out Balance Transfer.
Total amount you need to pay
One-time processing fee (0% of approved amount)
0% interest p.a. (EIR: 0% p.a.)
Total repayment amount*
How you will repay the loan
You have a total repayment amount of $0 over 0 with fixed monthly instalments.
You will need to pay $0^ every month for 0 year.
If your loan tenor has expired and you have an outstanding balance, the interest rate will return to the prevailing interest rates and fees of OCBC Credit Cards or EasiCredit.
Here’s an illustration of what will happen if you were to take out a loan from your existing EasiCredit or credit card account.
21 years old
$20,000 and above for Singaporeans and Singapore PRs
$45,000 and above for foreigners
Existing OCBC Credit Card or OCBC EasiCredit account holder
|Loan tenor||Approved loan amount||Cashback|
|36, 48 or 60-months||$5,000 – $9,999||1%|
|$10,000 – $29,999||1.2%|
|$30,000 – $79,999||2.1%|
|$80,000 and above||2.3%|
New to Cash-on-Instalments*
|Approved loan amount||Additional Cashback|
|$5,000 or more||$100|
*For new to OCBC Cash-on-Instalments customers who do not have a Cash-on-Instalments loan with OCBC 12 months prior to this application.
No access to OCBC Internet Banking
Do not have access to your OCBC Internet Banking account? Contact our 24 hours hotline at +65 6363 3333 to apply.