Last updated: 05-Oct-2025
OCBC NXT Credit Card
The OCBC NXT Credit Card pioneers buy-now-pay-later functionality in a traditional credit card format. Automatically split purchases between S$100-S$1,000 into 3 months and larger transactions into 6 months interest-free. Perfect for budget-conscious shoppers who want payment flexibility without manual conversions. Over 50,000 users leverage this innovative approach to manage their spending.
| Annual Fee | S$163.50 (incl. 9% GST) |
|---|---|
| Annual Fee Waiver | S$10,000 annual spend |
| Monthly Percentage Rate | 2.32% |
| Annual Percentage Rate | 27.78% |
| 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 | 8% or S$15, whichever higher |
| Balance Transfer Fee | 2% processing fee |
| Fee For Supplementary Card | S$81.75 (incl. 9% GST) |
| Card Replacement Fee | S$10.70 (incl. 9% GST) |
| Fee For Duplicate Statement | S$10 per statement |
