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    We found 1 OCBC Cashflo Credit Card for Cash Rebate: Yet to Get Reviews
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    OCBC Cashflo Credit Card for Cash Rebate: Yet to Get Reviews
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    OCBC Cashflo Credit Card for Cash Rebate: Yet to Get Reviews

    The OCBC Cashflo Credit Card has a built-in 0% instalment payment plan so that you can spend without worrying.

    • Enjoy a 3-month instalment period if you spend anywhere between S$100 to below S$1,000.
    • Enjoy a 6-month instalment period if you spend S$1,000 and higher.
    • Additionally, earn up to 1% cash rebate on the total amount charged to your credit card every month.

    Best Suited To: If you make big-ticket purchases frequently but want more control over your finances, then this card is the one you should apply for.

    Key Features & Benefits

    Feautures Description
    Annual Fee S$160.50 (waived for the first 2 years)
    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.

    What Joining Perks Will You Enjoy?

    •      Apply for your OCBC Cashflo Credit Card today and enjoy up to 50% off on Explorer Travel Insurance.
    •      You also get S$50 cashback when you apply for this card and one other credit card online.
    •      Both of these joining offers are valid until 30 June 2018

    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.

    Let Us Illustrate:

    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

    Interest Rates

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

    Other Fees & Charges

    Type of Charges Charge
    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

    Eligibility Criteria

    Before applying for this card, ensure 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

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    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

    To increase your credit limit, you will have to download the credit limit review form and fill it up with your latest income details and send it to the bank via email, post or fax.

    OCBC Cashflo Credit Card Reviews

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