OCBC Frank Credit Card
OCBC Bank · Cashback · Statement Credit
This comprehensive guide covers the OCBC Frank Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The OCBC Frank Credit Card from OCBC Bank offers cashback rewards credited directly to your statement at 6% (up to S$40 per cycle). Top earning categories include 6% cash back on contactless and mobile payments and more. This card has no annual fee.
Best for: Grocery, Dining, Travel, Fuel
Reward Examples
Spend S$1,000 on Grocery → earn S$60 (6%) · 6% cash back on contactless and mobile p
Spend S$1,000 on General online → earn S$3 (0%) · 0.3% cash back on other spend
Official product page → Official rules →
Waiver: No annual fee
Reward Rules
- 6% 6% cash back on contactless and mobile payments (cap: S$40)
- 0% 0.3% cash back on other spend
Important Notes
- 6% on contactless/mobile payments capped at S$400 spend per month (max S$40 cashback).
- No annual fee — popular among students and young adults.
- Target demographic is youth aged 18–29.
- Must have Frank savings account for full benefits.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
OCBC Frank Credit Card vs Similar Cards
- Amaze Card by Instarem — 1% top rate · S$0
- American Express True Cashback Card — 2% top rate · S$0
- BOC Family Card — 10% top rate · S$0
Maximize Your Rewards
To earn the highest rewards, use the OCBC Frank Credit Card for its bonus categories: Grocery, Dining, Travel, Fuel, Transit.