OCBC Frank Card Rating & Review 2019 - Singapore

Promotions

MoneySmart Exclusive: Earn S$50 Cash Rebate and an exclusive stay at M Social Hotel

Get S$50 Cash Rebate with no minimum spend requirement
Get an exclusive room stay at M Social Singapore Hotel when you spend minimum S$400 in the first one month from card approval
Both the promotions above are available for New-to-Bank customers ONLY
Bank T&Cs apply

Get up to 35% off at M Social Singapore

Enjoy 25% off Flexible Rate and extra 10% for Millennium Hotels and Resorts loyalty members
20% off à la carte menu at Beast & Butterflies
Complimentary buffet breakfast for 1 adult
Valid till 30 Sep 2019

Enjoy deals from SCORE Program Benefits

Key features

6% rebate on online shopping
Up to 5% rebate for entertainment
0.3% rebate on everything else
S$60 monthly capped rebate with monthly offline min. spend of S$400
2 years fee waiver for principal card, subsequent years waived with min. spend of S$10,000 p.a.
2 years fee waiver for supplementary card

Cash Back

Very Good

6% rebate on online shopping
3% rebate on first 2 top-ups for NETS FlashPay Auto Top-Up
0.3% rebate on everything else
Up to 5% rebate for entertainment
S$60 monthly capped rebate with monthly offline min. spend of S$400 (excludes online and NETS FlashPay Auto Top-Up spend)

Online Shopping

Very Good

6% rebate on online shopping
0.3% rebate on everything else
S$60 monthly capped rebate with monthly offline min. spend of S$400 (excludes online and NETS FlashPay Auto Top-Up spend)
Enjoy 6.6% cash back on Puma and Under Armour via RebateMango. Valid till 31 Dec 2019

Entertainment

Very Good

Earn 5% rebate on weekend entertainment (Fri-Sun) and 3% on weekday entertainment (Mon-Thur)
S$60 monthly capped rebate with monthly offline min. spend of S$400 (excludes online and NETS FlashPay Auto Top-Up spend)

Terms and conditions

Interest Rate & Late Payment Fees
Annual Principal Fee	$80
Supplementary Annual Fee	$40
Fee Waiver	Available
Interest Free Period	23 days
Annual Interest Rate	26.88%
Late Payment Fees	S$100
Minimum Monthly Repayment	3% or S$50, whichever is higher
Foreign Currency Transaction Fee	2.80%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	6% or $15, whichever is higher
Overlimit Fee	N/A

Eligibility
Singaporean Minimum Income	$30,000
Non-Singaporean Minimum Income	$45,000

Other
Card Association	Visa
Wireless Payment	Visa payWave, NETS FlashPay, Apple Pay, Samsung Pay, Google Pay