OCBC FRANK Credit Card

Name: OCBC FRANK Credit Card
Brand: OCBC
Price: 80 SGD
Availability: InStock
Rating: 4.2 (1 reviews)

4.2

WalletWalk Rating

Best for savvy online spenders

Last updated: 29-Sept-2025

Overview

The OCBC FRANK Credit Card revolutionizes cashback for digital natives with Singapore's highest online rewards at 10%. Earn unlimited 8% cashback on all online transactions and foreign currency spending with an additional 2% at green merchants. Designed for millennials who conduct most transactions digitally, this card eliminates traditional category restrictions. Join over 200,000 cardholders who enjoy instant approval and unique card designs.

Pros

↑Up to 10% cashback with green merchants
↑No annual fee for first 2 years
↑Instant digital card approval

Cons

↓Cashback is capped at S$100 per month
↓Low 0.3% base cashback rate
↓Bonus categories are quite specific

Key Highlights

Welcome Offer
S$150 cashback
Spend S$500 within 30 days
New customers only
Credited within 60 days

Reward Rate
Up to 10% cashback
8% online and foreign currency
+2% green merchants
0.3% all other spending

Minimum Salary
S$30,000 annually
Citizens/PRs: S$30,000
Foreigners: S$45,000
Age 55+: S$15,000

Annual Fee
S$80 (incl. GST)
First 2 years free
S$10,000 annual spend for waiver
S$40 supplementary card

Highlight 6
Maximum online cashback
10% with green merchants
Young adult friendly
Instant approval

Key Benefits

Bill Payment

★2.5

▼

0.3% cashback on utilities
Auto-pay setup available

Cashback

★4.5

▼

8% online and foreign currency
+2% green merchants
0.3% others

Dining

★3.5

▼

8% on food delivery apps
0.3% restaurant dining

Food Delivery

★5.0

▼

8% cashback all platforms
Counts toward S$800 minimum

Grocery

★3.5

▼

8% online groceries
0.3% physical stores

Lifestyle

★4.0

▼

Entertainment discounts
Youth-focused offers

Shopping

★5.0

▼

8% all online shopping
International sites included

Merchant Offers

▼

Green merchant bonus
Rotating partners

Travel

★3.0

▼

8% foreign currency spending
No lounge access

Liability Protection

▼

Zero liability fraud
Purchase protection

Insurance

▼

Basic travel insurance
Purchase protection

Balance Transfer

▼

Standard rates
Processing fees apply

Emi

▼

0% at selected merchants
3-12 month options

First Year Free

▼

First 2 years free
S$10,000 spend for subsequent

Detailed Information

Annual Fee	S$80 (incl. 9% GST)
Annual Fee Waiver	S$10,000 annual spend
Monthly Percentage Rate	2.25%
Annual Percentage Rate	26.88%
Minimum Monthly Payment	3% or S$50, whichever higher
Foreign Currency Markup	3.50%
Late Payment Charges	S$100 (incl. 9% GST)
Overlimit Charges	S$40 (incl. 9% GST)
Cash Advance Fee	6% or S$15, whichever higher
Balance Transfer Fee	1.58% processing fee
Fee For Supplementary Card	S$40 (incl. 9% GST)
Card Replacement Fee	S$10.70 (incl. 9% GST)
Fee For Duplicate Statement	S$10 per statement

Identity Proof	NRIC (Citizens/PRs) Passport (Foreigners)
Address Proof	Latest utility bill Bank statement Tenancy agreement
Income Proof Salaried	Latest 3 months payslips Latest Income Tax Notice CPF Contribution History
Income Proof Self Employed	Latest 2 years Income Tax Latest 6 months bank statements Financial statements

OCBC FRANK Credit Card

Age Requirement Salaried	21 years and above
Age Requirement Self Employed	21 years and above
Minimum Annual Income Salaried	S$30,000
Minimum Annual Income Self Employed	S$30,000

Age Requirement Salaried	21 years and above
Age Requirement Self Employed	21 years and above
Minimum Annual Income Salaried	S$30,000
Minimum Annual Income Self Employed	S$30,000

OCBC FRANK Credit Card

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

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