FRANK Credit Card

Add to cart, add to your phone, add to your favourite apps – cashback for your online lifestyle.

Apply or retrieve details

Your cashback perks just got bigger and better!

Score up to 10% in cashback with the FRANK Credit Card, which now lets you earn more when you spend across categories.

Apply or retrieve details

Get 10% off SG Comic Con tickets!

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IMPORTANT NOTICE
Revision of interest rate for all OCBC credit cards

From 8 May 2023, the interest rate applied to the outstanding balance for all OCBC credit cards will be 27.78% instead of 26.88% per annum. If the minimum amount is not paid by the due date, a higher interest rate of 30.78% per annum will apply.

Up to 10% in cashback
when you add to cart

Earn 8% in cashback on all local online purchases, or on purchases made in foreign currency at your favourite stores.

Earn an additional 2% when you shop at selected green merchants like Scoop Wholefoods, Little Farms and more!

Up to 10% in cashback
in just a few taps

Earn 8% in cashback when you pay with your smartphone or watch � via Apple Pay, Samsung Pay, Google Pay or Garmin Pay � in stores.

Plus, earn an extra 2% in cashback when you make contactless payment at selected green merchants like SimplyGo, BlueSG and more!

Safe & secure

Lock your card, request for a new one and report suspicious transactions via OCBC Mobile Banking app

Money In$ights

Track the ins and outs of your money each month

Click to pay with Visa
Pay with fewer clicks

Online payments are now made easy when you Click to Pay with Visa. Visa Cardmembers can now simply select the Click to Pay icon upon checkout and that�s it!

Online payments are now made easy when you Click to Pay with Visa. Visa Cardmembers can now simply select the Click to Pay icon upon checkout and that�s it!

Up to 10% in cashback on

Food

Shopping apps

Groceries

Pet supplies

travel bookings

transport (Simply go)

Receive up to S$100 in cashback each month � just spend at least S$800 a month online or in any store that accepts contactless mobile payment.

How it works

Earn up to S$100 in cashback as you spend across more categories

FX transactions

8%

Purchases made in foreign currency, both online and in stores

Local currency transactions

8%

Online transactions -->

Online purchases made in SGD

Contactless mobile transactions -->

Purchases made via Apple Pay, Samsung Pay, Google Pay or Garmin Pay in SGD

Other spending

0.3%

Green merchants

2%

Transactions made at SimplyGo, BlueSG, Scoop Wholefoods and more.

Total Cashback

S$100

To enjoy the above, you must spend at least S$800 a month. If you spend less than that, you will earn a flat 0.3% in cashback.
See terms and conditions

cashback calculator

Find out how much cashback you can earn

Online spending

In-store mobile contactless payments / foreign currency spending

Other spending

Total spending

S$ 0

Cashback earned

S$ 0

See breakdown Online S$0 Mobile/foreign currency S$0 Others S$0
card designs

Find your style

Obsidian
card id
FRK2020

Obsidian

Vortex
card id
PRF0002

Vortex

Don't miss out on this!

Singapore Comic Con 2023 is here!

Happening from 9 - 10 December 2023, enjoy 10% off all ticket bundles (capped at S$7) with your FRANK by OCBC Debit or Credit Card! Just enter promo code when you pay with your FRANK Card! Limited tickets available.

Terms and conditions apply.

Card deals and steals

ZALORA image

ZALORA

15% off site-wide

EXPEDIA image

Overscoop

1-for-1 Over Acai Bowl

THE ORCHARD CAFE, ORCHARD HOTEL SINGAPORE image

Changi Recommends

7% off with min. 7 days rental

PET LOVERS CENTRE image

Shaw Theatres

S$1 off and more

Before you apply

Eligibility

Min. age 21 years old for principal card and
18 years old for supplementary card Min. income S$30,000 a year for Singaporeans or Singapore PRs
S$45,000 a year for foreigners

FEES & charges

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 Automatic annual fee waiver

Minimum spending of S$10,000 in one year, starting from the month after your FRANK Credit Card was issued ($0 annual fees for the first 2 years)

Others

what to prepare

Singaporeans or Singapore PR NRIC
If salaried employee
If self-employed person or commissioned or variable income earner Foreigners Passport
Employment Pass with 6 months' validity
Income documents

Start earning up to 10% in cashback

Apply or retrieve details

FAQ

What FRANK Credit Card design choices do I have? How can I change my card design?

Effective 1 July 2020, new applicants for the FRANK Credit Card can choose between 2 designs � Obsidian (FRK2020) and Vortex (PRF0002). These 2 designs are also applicable for card design change requests for current Cardmembers. If you are an existing FRANK Credit Cardmember and wish to change your design, you can visit an open OCBC branch, or call our hotline +65 6363 3333. Please note that safety procedures are adhered to at OCBC Branches to ensure safe distancing during COVID. If you are an existing FRANK Credit Cardmember who is currently happy with your existing design, no further action is needed. Your card replacements will continue to be in your existing design.

How are the rebates calculated with S$25 sub-caps? To illustrate the S$25 sub-cap: Booking.com Online payment in FX In-store payment in FX Scoop Wholefoods Online payment in SGD Apple Pay / Google Pay in SGD Apple Pay / Google Pay in SGD *The maximum cashback a customer can receive per category is capped at S$25. Is FavePay considered an online or in-store mobile contactless payment transaction?

A FavePay payment via the Fave app will be classified as an online transaction as the purchase is made through the internet via an app. Only Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay transactions will be classified under the in-store mobile contactless payments category.

What categories of spending are excluded from the minimum monthly spending and cashback calculations?

Certain Merchant Category Codes are excluded from cashback calculations and will not count toward the minimum spend requirement. Examples include: top-ups to e-wallets including that of Grab, Youtrip, Singtel Dash, tax payments, insurance premium purchases made to financial institutions.