OCBC Cashflo Credit Card

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Key Features

1%
Cash Rebate with Monthly Bill of S$1,000 and above
0.5%
Cash Rebate with Monthly Bill below S$1,000
^S$100
Cash Rebate Cap per month

Promotion

Petrol

Enjoy a 14% discount at Esso stations, which includes a 5% Esso site discount, 5% Smiles card discount, and 4% OCBC card discount.
Get a 16% upfront discount at Caltex stations, which includes the station onsite discount and OCBC card discount.

Bill Payment

Earn a 1% cash rebate on your monthly bill of S$1,000 and above.
Earn a 0.5% cash rebate on your monthly bill below S$1,000.
The monthly bills that qualify for cash rebates include telco, utilities, and hospital bills.
Cash rebates are capped at S$100 per month.
The annual fee of S$160.50 per year is waived for the first two years.

Cash Back

Earn a 1% cash rebate on your monthly bill of S$1,000 and above.
Earn a 0.5% cash rebate on your monthly bill below S$1,000.
Cash rebates are capped at S$100 per month.

Other Features

You can stretch payments over 3 or 6 months with 0% interest.
Earn up to 1% cash rebate on all your spend.
Enjoy a fee waiver for the first two years. Subsequent years’ fees are waived with a minimum spend of S$10,000 per year.
LOANPANDA strives to provide accurate and up-to-date information, but please note that information from financial institutions, service providers, or product sites may differ. LOANPANDA is not liable to compensate customers if the information is not as updated as our partners.

Eligibility

Singaporean/PR Minimum Income

S$30,000

Non-Singaporean Minimum Income

S$45,000

Fees and Charges

Annual Principal Fee: S$162
Supplementary Annual Fee: S$81
Fee Waiver: Available
Interest Free Period: 23 days
Annual Interest Rate: 26.88%
Late Payment Fees: S$80
Minimum Monthly Repayment: 3% or S$50, whichever is higher
Foreign Currency Transaction Fee: 3.25%
Foreign Check Fee: N/A
Cash Advance Transaction Fee: 6% or S$15, whichever is higher
Overlimit Fee: N/A

Review

By LOANPANDA

The OCBC Cashflo Credit Card offers up to 1% cash rebate on monthly bills of S$1,000 and above, with a cap of S$100 per month. There is also a 0.5% cash rebate for bills below S$1,000. Enjoy discounts at Esso and Caltex petrol stations, and stretch payments over 3 or 6 months with 0% interest.

The annual fee of S$162 is waived for the first two years, and subsequent years’ fees are waived with a minimum spend of S$10,000 per year. This card is a good choice for those who want to earn cash rebates on their bills and enjoy petrol discounts.

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.