Grab a credit card that gives you better rewards & more!
  • loading

    We found 1 OCBC Cashflo Credit Card for Cash Rebate
    Card
    1st Year Fee
    Rewards
    Joining Perks
    0
    S$100 CASH BANKBAZAAR EXCLUSIVE DEAL
    What you'll love
    Think about
    Fee details
    BankBazaar Exclusive Deal
    Eligibility Criteria
    OCBC Cashflo Credit Card for Cash Rebate
    Credit Card BYTES FROM OUR KITCHEN

    OCBC Cashflo Credit Card for Cash Rebate

    Credit Card Application

    If you have a number of large expenses in the region of say S$500 or S$1,000 or more, you may find it hard to pay for all of them at the same time. This card helps you pay for large purchases by splitting them into a series of instalments that you can then pay over a period of time. For spends totalling between S$100 and less than S$1,000, your instalment period will be 3 months. If you spend S$1,000 or more, you can pay the amount over 6 months. The OCBC Cashflo Credit Card does not charge any interest for this facility. You also get rebates on your monthly bills. You can also make use of the various other benefits this card offers. It gives you discounts of up to 50% on Explorer travel insurance plans and discounts on movie tickets purchased at Cathay Cineplexes.

    Key Features & Benefits

    Features Description
    Cash rebate on all retail spends
    • 0.5% if the monthly billed amount is less than S$1,000
    • 1% if the monthly billed amount is greater than S$1000
    Complimentary Travel Insurance N.A.

    Get Rewarded With up to 1% Rebate

    This card also rewards you with rebates when you charge your purchases to it. For monthly bills that are less than S$1,000, you are eligible for a cash rebate of 0.5%. If your monthly spend on the card is S$1,000 or more, you can get a cash rebate of 1%. The maximum limit up to which you can accumulate your rebates is S$100 each month.

    What Joining Perks Will You Enjoy?

    •      Apply for your OCBC Cashflo Credit Card today and enjoy up to 55% off Explorer Travel Insurance.

    Any Other Benefits?

    • Your purchases are automatically converted to 0% instalments for a period of 3 months or 6 months if they are S$100 or above.
    • You can accelerate the payment of your instalments if you wish to finish paying the amount before the completion of the tenure.
    • You can add your credit card to your smartwatch and enjoy exclusive deals and offers. This applies to payments made via Apple Pay, Samsung Pay, Google Pay, Fitbit pay, and Garmin Pay.
    • Enjoy a waiver of admin fees on SMRT Taxi Rides with Mastercard. Post 31 December 2018, you will be charged an admin fee of S$0.30.
    • In addition to these benefits, you also enjoy great discounts on dining, travel, online shopping, and many more categories in the form of promotional offers. All offers are subject to a validity period as well as terms and conditions.

    How Can You Earn Rewards?

    •      The cash rebate that you earn is not based on each transaction, but on your monthly billed amount.
    •      For monthly bills that are S$1,000 and above, you earn a cash rebate of 1%. This amount is capped at S$100.
    •      Cash rebates that are earned by the supplementary cardholder will be credited to the principal cardholder’s account.
    •      The rebate is only provided on eligible transactions and does not include bill payments or payments on cash advances among others.
    •      The amount of cash rebate that you have earned will reflect in your monthly billing statement.
    •      Your rebate will be used to offset your bill payment automatically.

    Calculate Cash Rebate from OCBC Cashflo Credit Card

    Let’s say that your monthly credit card bill is S$1,750. In this instance, the cash rebate that you will earn is 1% of your total billed amount.

    Spend category Monthly spend Cash rebate Cash rebate earned
    Dining S$300
    Grocery S$550
    Online Shopping S$250
    Other retail spends S$650
    Total S$1,750 1% S$17.50

    OCBC Cashflo Credit Card Interest Rates

    Type of Interests Charge
    Retail Purchases 25.92% p.a.
    Cash Advance 28.92% p.a.

    OCBC Cashflo Credit Card Fees & Charges

    Type of Charges Charge
    Annual Fee S$160.50 (waived for the first 2 years)
    Overseas Transaction Fee Mastercard: 1% of the transaction amount, OCBC Administrative Fee: 1.8% of the transaction amount
    Late Payment Fee S$100
    Cash Advance Fee 6% of the amount withdrawn or S$15, whichever is higher
    Supplementary Card Fee S$80.25 (waived for the first 2 years)
    Administrative Fee to Accelerate Payment of Automatic Instalments S$150
    Instalment Plan Termination Fee S$150
    Tenure extension 3% of the balance for 3 and 6 months, 5% of the balance for 12 months

    How the Instalment Payment Plan Works

    • Pay for your card purchases over tenures of 3 or 6 months. The split will depend on the total credit card bill, in this manner:
    1. 3-monthly tenure for monthly spends between S$100 and S$1,000.
    2. 6-monthly tenure for monthly spends over S$1,000.
  • On the date of purchase, the first instalment amount will be added to the card account. Subsequent instalments will be added to the bill on the same day every month.
  • When a payment is converted to instalments, that whole amount – and not just the instalment amount – is deducted from the card’s credit limit. Suppose you make a transaction of S$500 and your credit limit stands at S$3,000. Then the credit limit after the purchase will come down to S$2,500. With each monthly repayment, the credit limit is restored up to the amount that you pay back as instalment.
  • The card works on a trigger amount, which is the single-bill transaction amount that will be automatically converted to instalments. Any transaction below the trigger amount will not be converted into instalments.
  • OCBC has set a default trigger amount of S$100 on the card. But you are free to change this amount at the time of application. The only conditions are: the amount should be at least S$100, and it has to be in multiples of 100 (so S$100, S$200, S$300, etc.).
  • The repayment tenure can be extended if the remaining amount in the plan is at least S$500. If you don’t send an extension request to the bank – through phone banking or email/snail mail – 7 working days before the billing date, then the request will not be processed in time for the next bill and you may end up paying extra interest charges. However, there is a extension fee.
  • If you terminate the instalment plan before the end of the tenure, then a termination fee is applicable.
  • If you don’t pay the instalments regularly and on time, the prevalent interest rates and late payment charges will be levied.
  • Eligibility Criteria

    Before applying for this card, make sure that you are eligible for it. Check your eligibility on our site conveniently.

    Activating the Card for Overseas Use

    If you want to use your credit card for overseas transactions, you first need to activate the magnetic stripe on it. You can do this by logging into your OCBC internet banking account, by using OCBC’s mobile and phone banking services or by mailing them the form meant for activation of the magnetic stripe.

    If at any time you wish to deactivate your card for overseas use, then you can do it by logging into your internet banking account or by using OCBC’s mobile and phone banking service. Alternatively, you can also deactivate the magnetic stripe on your card for overseas use by following the instructions for the same on OCBC’s website.

    Cash Withdrawn on Credit Card

    You can use your OCBC Cashflo Credit Card to obtain a cash advance. You can withdraw a maximum of S$1,000 per transaction from any OCBC ATM. The maximum limit that you can withdraw each day is S$20,000.

    Of course, the amount that you can withdraw depends on the cash advance limit on your card. For your Cashflo Credit Card, the cash advance withdrawal limit will be up to 70% of the approved credit limit on your card.

    Card is Lost/Stolen

    If your credit card is stolen or is missing, please notify OCBC immediately. You can do this by calling their Customer Service Hotline or by informing the bank in writing. If required, you may be asked to file a report with the police and provide other documents that the bank may require.

    Once OCBC is satisfied that the loss of your card was unintentional and wasn’t due to your carelessness, your liability for any unauthorised transactions made using your card will be S$100.

    In order to select the right card for you, a bit of research will be required. You cannot finalise on a credit card based on its benefits alone. You’ll also need to check if it suits your spending patterns and is affordable for you.

    Credit Card Tips

    RELATED CARD PRODUCT

    NTUC Plus! Card OCBC NTUC Plus! Card
    Annual Fee: Free for NTUC members Who Is It For: NTUC Plus! members What You Get: 12% rebate at FairPrice
    Show Me Details

    RECENTLY VIEWED PRODUCTS

    UOB One Card UOB One Card
    Annual Fee: S$192.60 (1-year waiver) Who Is It For: Who use card often for petrol What You Get: Up to 24% savings on petrol
    Show Me Details

    YOU MIGHT ALSO LIKE

    POSB Everyday Card POSB/DBS Everyday Card
    Annual Fee: S$192.60 (1-year waiver) Who Is It For: Who use card for daily spends What You Get: Up to 6% cash rebate
    Show Me Details

    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    By submitting direct debit authorisation form

    • Set up GIRO through Mobile or Online Banking.
    • Select the billing organisations to which you wish to make regular payments.
    • The applications will be sent to the respective organisations who will approve your application within 14 days.

    You can cancel this service through any of the following channels:

    • Online Banking
    • Mobile Banking
    • Call the bank
    • Visit a bank branch

    How to Check Balance?

    Through SMS Banking/Phone Banking/Mobile Banking/Internet Banking

    Check the balance on your card and the available credit in the following ways:

    • SMS Banking
    • Phone Banking
    • Mobile Banking
    • Internet Banking

    How Can the Bill Be Paid?

    Through FAST/GIRO/TT/DD/Mobile Banking/AXS/Internet Banking/Cash/Cheque/Phone Banking/NETS/CashCard

    You can pay your credit card bills in the following ways:

    • FAST
    • Interbank GIRO
    • Telegraphic Transfer (TT)
    • Demand Draft (DD)
    • Mobile Banking
    • Cheque
    • AXS Terminals
    • Internet Banking
    • Cash
    • Internet Banking
    • Phone Banking
    • NETS or CashCard

    How Much Is the Minimum Payment to Be Made on the Card?

    3% of the Outstanding Balance or Min S$50

    • If you have any outstanding amount within the credit limit, you will have to pay S$50 or 3% of the balance, whichever is greater, and any amount overdue.
    • If you have any outstanding amount that exceeds the credit limit, you will have to pay 3% of the balance and the amount exceeding the limit and any amount overdue.

    What Is the Grace Period?

    23 days

    You will get a grace period of 23 calendar days from the statement date if there is no carried forward balance from the preceding statement.

    Which Mobile Wallets Can This Card Be Used With?

    Garmin Pay/Fitbit Pay/Samsung Pay/Apple Pay/Google Pay

    You can make use of the following mobile wallets with your OCBC card:

    • Garmin Pay
    • Fitbit Pay
    • Samsung Pay
    • Apple Pay
    • Google Pay

    Can It Be Used With EZ-Link?

    Yes

    Yes, this card can be used with EZ-Link. Once your EZ-Link card is low on reserves, an automatic top-up is carried out and charged to your OCBC card.

    How to Block or Unblock the Card?

    Call Customer Service Hotline

    If you want to block or unblock your card, you will have to call the 24/7 hotline number.

    How to Reset the PIN?

    Change the pin Using IBanking

    To reset your credit card PIN, you will have to change it using:

    • Mobile banking.
    • Online Banking

    What Is the Billing Cycle and the Bill Due Date?

    The billing cycle and the due date of payment will be mentioned on your card statement. The cycle normally depends on the number of working days in the particular period and may vary from person to person.

    How to Get a Replacement Card?

    You will have to get in touch with your bank to get a replacement card. The bank may issue a replacement card in case of the following reasons:

    • Expiry of your card
    • Loss of your card
    • Damage to your card
    • Unauthorised use of your card

    How to Temporarily Increase the Limit of the Card?

    Fill Form and Submit to Bank

    Get in touch with the bank to request a temporary credit limit increase.

    OCBC Cashflo Credit Card Reviews

    Loading your search...
    Close

    Compare, check your eligibility and apply for credit cards online.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.