If you’re looking for a credit card that offers flexibility in managing your expenses, the OCBC Cash Flow Credit Card in Singapore might be just what you need. This credit card offers a unique payment system that allows you to split your payments into interest-free instalments. This means that you can make big purchases and pay for them in smaller, more manageable amounts over time.
With the OCBC Cash Flow Credit Card, you can earn cash rebates of up to 1.2% every month, depending on your spending habits. This makes it an excellent option for those who want to maximise their savings while still enjoying the convenience of a credit card. Additionally, this credit card offers a range of other financial benefits and rewards, such as discounts on dining and entertainment and access to exclusive promotions and partnerships.
Overall, the OCBC Cash Flow Credit Card in Singapore is an excellent option for those who want to manage their expenses more effectively and earn rewards. This credit card is worth considering because of its flexible payment system, cash rebates, and other financial benefits.
Key Takeaways
- The OCBC Cash Flow Credit Card offers a unique payment system that allows you to split your payments into interest-free instalments.
- With this credit card, you can earn cash rebates of up to 1.2% every month, depending on your spending habits.
- The OCBC Cash Flow Credit Card also offers a range of other financial benefits and rewards, such as discounts on dining and entertainment and access to exclusive promotions and partnerships.
Understanding OCBC Cash Flow Credit Cards
If you’re looking for a credit card that offers cash rebates and instalment plans, you might want to consider the OCBC Cash Flow Credit Card. This card is designed to help you manage your finances more efficiently by providing a flexible payment option and cash rebates on your spending.
OCBC Cashflo Card Features
The OCBC Cashflo Credit Card offers a 0% interest instalment plan that allows you to spread your payments over 3 or 6 months. This can be particularly useful if you need to make a large purchase but don’t want to pay for it all at once. Additionally, the card offers a flat 1% cash rebate on all spending above S$1,000 per month and 0.5% for spending below that threshold.
This means you can earn cash rebates on your everyday expenses and save money in the long run.
OCBC Great Eastern Cashflo Credit Card Benefits
If you’re a Great Eastern policyholder, you may want to consider the OCBC Great Eastern Cashflo Credit Card. This card offers the same benefits as the OCBC Cashflo Credit Card but allows you to manage your Great Eastern insurance premiums automatically. You can enjoy hassle-free payments over 3, 6, or 12 months and earn up to 1.2% cash rebates on your spending.
OCBC 365 Credit Card Perks
If you’re looking for a credit card that offers rewards on your everyday expenses, you might want to consider the OCBC 365 Credit Card. This card offers cash rebates of up to 6% on dining, 3% on groceries, 3% on online shopping, and 5% on petrol. Additionally, you can earn 3% cash rebates on recurring telco bills and up to 22.1% fuel savings at Caltex and Esso petrol stations.
OCBC Titanium Rewards Card Advantages
If you’re a frequent shopper, you might want to consider the OCBC Titanium Rewards Credit Card. This card offers 10X OCBC$ (OCBC’s rewards points system) on your spending at selected merchants, such as Zara, Sephora, and Robinsons. Additionally, you can earn 4 miles per S$1 spent on overseas transactions and 1 mile per S$1 spent locally.
OCBC Premier and OCBC Arts Credit Card Highlights
If you’re a high-net-worth individual or an arts enthusiast, you might want to consider the OCBC Premier or OCBC Arts Credit Card. These cards offer exclusive perks and privileges, such as access to airport lounges, golf courses, and art events. Additionally, depending on your chosen card, you can earn reward points or cash rebates on your spending.
Overall, the OCBC Cash Flow Credit Card offers a range of benefits and features that can help you manage your finances more effectively. Whether you’re looking for cash rebates, rewards, or instalment plans, an OCBC credit card is right for you.
Cash Flow Credit Card OCBC: Financial Benefits and Rewards
If you are looking for a credit card with financial benefits and rewards, then the OCBC Cashflo Credit Card is the best choice. With this card, you can enjoy cashback, miles, air miles, and OCBC$ rewards on your retail purchases.
Cash Flow Credit Card OCBC: Cashback and Rebates
With the OCBC Cashflo Credit Card, you can earn up to 1% cash rebate on all your retail spend. The cash rebate is capped at S$100 monthly, and no minimum spending is required. This means you can save on your daily expenses, such as groceries, dining, and petrol.
Cash Flow Credit Card OCBC: Miles and Air Miles
If you are a frequent traveller, you will love the miles and air miles rewards that come with the OCBC Cashflo Credit Card. You can earn up to 0.4 miles per dollar on your retail purchases. Plus, you can convert your OCBC$ rewards into air miles with over 40 airlines, including Singapore Airlines, Cathay Pacific, and Emirates.
OCBC$ Rewards System
The OCBC$ rewards system is a unique feature of the OCBC Cashflo Credit Card. With this system, you can earn OCBC$ rewards on your retail purchases, which can be redeemed for cash rebates, air miles, or vouchers. You can earn up to 1 OCBC$ for every S$1 spent on your retail purchases.
Cash Flow Credit Card OCBC: Exclusive Retailer Offers
As an OCBC Cashflo Credit Cardholder, you can enjoy exclusive offers and discounts at selected retailers. For example, you can get up to 15% off at Robinsons, up to 10% off at Zalora, and up to 5% off at Watsons. These offers are available all year round, so you can save money on shopping whenever you want.
In conclusion, the OCBC Cashflo Credit Card is an excellent choice for anyone who wants to enjoy financial benefits and rewards on their retail purchases. With cashback, miles, air miles, and OCBC$ rewards, you can save money and earn rewards simultaneously. Plus, with exclusive retailer offers, you can enjoy even more savings on your shopping.
Cash Flow Credit Card OCBC: Payment Flexibility and Conveniences
If you are looking for a credit card that offers payment flexibility and convenience, the OCBC Cashflo Credit Card is an excellent choice. With this card, you can enjoy a wide range of features that make it easy to manage your finances and make timely payments.
Instalment Payment Plan
One of the most valuable features of the OCBC Cashflo Credit Card is its instalment payment plan. This allows you to convert your purchases into interest-free instalments, which can be spread out over up to 6 months.
This means you can make large purchases without worrying about paying them off all at once, making it easier to manage your finances.
0% Interest Instalment Period
The OCBC Cashflo Credit Card also offers a 0% interest instalment period, meaning you can enjoy interest-free payments for a certain period. This is particularly useful if you need to make a large purchase, such as a new appliance or furniture, and want to spread the cost over several months.
Cash-on-Instalment Facility
In addition to its instalment payment plan, the OCBC Cashflo Credit Card also offers a cash-on-instalment facility. This allows you to borrow money from your credit card at a low interest rate, which can be paid back for up to 36 months. This is an excellent option if you borrow money for a large purchase, such as a car or a home renovation project.
Cash Flow Credit Card OCBC: Mobile and Internet Banking
Finally, the OCBC Cashflo Credit Card offers a range of mobile and internet banking features that make it easy to manage your finances on the go. With the OCBC mobile app, you can check your account balance, view your transaction history, and make payments from your smartphone or tablet. You can also use internet banking to pay bills, transfer money, and manage your account from your computer.
The OCBC Cashflo Credit Card is an excellent choice if you want a credit card that offers payment flexibility and convenience. With its instalment payment plan, 0% interest instalment period, cash-on-instalment facility, and mobile and internet banking features, it is an excellent option for anyone who wants to manage their finances more effectively.
Cash Flow Credit Card OCBC: Managing Your Card and Expenses
If you have an OCBC Cashflo Credit Card, you can easily manage your card and expenses. Here are some important things to keep in mind:
Monthly Bill and Instalments
With the OCBC Cashflo Credit Card, you can automatically split your payments into monthly instalments. This feature helps you manage your monthly cash flow. You can also earn up to 1% rebate on your purchases. To enjoy this feature, you must pay at least the minimum amount due on time every month.
You can view your monthly bills and instalments on the OCBC Mobile Banking app.
Cash Flow Credit Card OCBC: Annual Fee and Waiving Options
The OCBC Cashflo Credit Card has an annual fee of S$160.50. However, when you apply for the card, you can enjoy waiving the yearly fee for the first two years. After that, you can waive the annual fee when you spend at least S$10,000 a year.
You can also waive the yearly fee for the first year when you apply for a supplementary card.
Cash Flow Credit Card OCBC: Balance Transfers and Cash Advances
You can transfer your outstanding balances from other credit cards to your OCBC Cashflo Credit Card at a low interest rate. The interest rate is as low as 0% p.a. for 6 months. You can also withdraw cash from ATMs using your credit card. However, cash advances come with a fee and a higher interest rate than purchases. It is recommended to use cash advances only in emergencies.
Transaction Amount and Trigger Amount
The transaction amount is the amount you spend using your credit card. You must finish the trigger amount to qualify for cash rebates. The trigger amount varies depending on the type of transaction. For example, the trigger amount for dining and online transactions is S$800 per month. The trigger amount for all other transactions is S$1,000 per month. You can check your transaction amount and trigger amount on the OCBC Mobile Banking app.
Managing your expenses with the OCBC Cashflo Credit Card is easy and convenient. You can stay on top of your finances with features like monthly instalments, annual fee waivers, balance transfers, and cash advances.
Cash Flow Credit Card OCBC: Eligibility and Application Process
If you’re interested in applying for the OCBC Cashflo Credit Card in Singapore, here’s what you need to know about the eligibility requirements and the application process.
Income Requirement and Eligibility
To be eligible for the OCBC Cashflo Credit Card, you must be at least 21 years old (18 and above for supplementary cardholders) and have a minimum annual income of S$30,000 if you’re a Singapore Citizen or Permanent Resident and S$45,000 if you’re a foreigner.
Remember that meeting the minimum income requirement does not guarantee approval, as other factors, such as credit score and debt-to-income ratio, will also be considered.
OCBC Credit Card Application Guide
To apply for the OCBC Cashflo Credit Card, you can do so online through the OCBC website or mobile app. The application process is straightforward and can be completed in simple steps. First, select the Cashflo Credit Card from the list of available credit cards. Then, provide your details, including your name, NRIC, and contact information. You must also provide your employment details, including your job title, company name, and monthly income. Finally, review and submit your application.
Using MyInfo for Faster Processing
To speed up the application process, you can use MyInfo to fill in your personal and employment details automatically. MyInfo is a government service that allows you to securely share your personal information with participating organisations, such as OCBC. By using MyInfo, you can save time and reduce the chances of errors in your application.
To use MyInfo, log in to your OCBC account and select the option to apply for the Cashflo Credit Card. Then, choose the option to use MyInfo to fill in your details.
Cash Flow Credit Card OCBC: Promotions and Partnerships
If you are looking for a credit card that offers excellent promotions and partnerships, the OCBC Cashflo Credit Card is a great choice. Here are some promotions and partnerships you can enjoy with this card.
Dining and Food Delivery Offers
With the OCBC Cashflo Credit Card, you can enjoy up to 10% off dining at selected restaurants in Singapore. Additionally, you can get up to 30% off food delivery orders from selected merchants. So, whether dining out or ordering in, you can save money with this card.
Travel and Insurance Premiums
When you use your OCBC Cashflo Credit Card to pay for your travel bookings, you can enjoy up to 5% off your travel insurance premiums. This is a great way to save money when planning your next trip.
Best Denki and Other Retail Partners
The OCBC Cashflo Credit Card also offers great deals with Best Denki and other retail partners. You can enjoy up to 12% off your purchases at Best Denki and up to 15% off at other retail partners. This is a great way to save money on your shopping.
In addition to these promotions and partnerships, the OCBC Cashflo Credit Card offers cashback on purchases. You can enjoy up to 1.5% cashback on your local purchases and up to 2% cashback on your overseas purchases. With all these benefits, the OCBC Cashflo Credit Card is an excellent choice for anyone looking for a credit card in Singapore.
Cash Flow Credit Card OCBC: Understanding Fees and Charges
If you’re considering the OCBC Cashflo Credit Card, it’s essential to understand the fees associated with it. In this section, we’ll break down the various fees you can expect when using the card.
Interest Rates and Processing Fees
The OCBC Cashflo Credit Card offers a 0% interest rate on purchases when you opt for the Cashflo Instalment Plan. However, if you choose not to use the instalment plan, you will be charged an interest rate of 25.92% per annum on your outstanding balance.
Regarding processing fees, the OCBC Cashflo Credit Card does not charge any processing fees for its instalment plans. This is in contrast to other credit cards in Singapore, which can charge fees equal to 3-5% of the total transaction amount.
Annual Fees and Waiving Conditions
The OCBC Cashflo Credit Card has an annual fee of S$160.50, which is waived for the first two years. The annual fee will be waived from the third year onwards if you spend a minimum of S$10,000 per year on the card.
Cash Flow Credit Card OCBC: Minimum Spend and Cash Rebate Tiers
To qualify for the cash rebate, you must spend a minimum of S$1,000 per statement cycle. The cash rebate tiers are as follows:
- 1% cash rebate on all spend
- 0.5% additional cash rebate on all spend when you spend S$2,000 or more per statement cycle
The OCBC Cashflo Credit Card offers a compelling range of benefits, including a 0% interest rate on instalment plans and cash rebates on your spending. However, it’s essential to remember the annual fee and minimum spend requirements to ensure that the card is a good fit for your budget and spending habits.
Cash Flow Credit Card OCBC: Special Features for Specific Demographics
If you are a student, the OCBC Frank Credit Card is perfect for you. With this card, you can enjoy up to 6% rebate on online transactions, including popular sites like Lazada, Grab, and Foodpanda. You can also enjoy a 5% rebate on entertainment, such as movies and concerts. The card also offers a 0.3% rebate on all other purchases.
If you are an insurance policyholder with Great Eastern, you can enjoy exclusive benefits with the OCBC Great Eastern Cashflo Credit Card. With this card, you can stretch payments across 3 or 6 months with 0% interest. You can earn up to 1% cash rebate on all spend and enjoy a 14% discount at Esso stations. You can also enjoy a 2 2-year fee waiver, with subsequent years waived with a minimum spend of S$10,000 p.a.
If you are a savvy shopper, the OCBC PayLite feature is perfect. With this feature, you can convert big-ticket purchases into smaller, more manageable payments. You can enjoy 0% interest on your payments for up to 12 months. This feature is available to all OCBC credit cardholders so that you can enjoy it regardless of your card.
Overall, the OCBC Cashflo Credit Card has various features catering to different demographics. Whether you are a student, an insurance policyholder, or a savvy shopper, there is a feature that will suit your needs.
Cash Flow Credit Card OCBC: Maximising Card Usage
If you have an OCBC Cashflo Credit Card, you can maximise its usage by strategically planning your spending, understanding the categories and cash back, and leveraging OCBC$ rewards.
Strategic Spending for Maximum Rewards
To get the most out of your OCBC Cashflo Credit Card, planning your spending is essential. Consider using your card for purchases with the highest rewards, such as groceries, dining, and petrol. You can earn up to 1% cash back on all spend and stretch payments across 3 or 6 months with 0% interest.
Understanding Categories and Cash Back
To make the most of your OCBC Cashflo Credit Card, it’s crucial to understand the categories and cash back. OCBC Cashflo Credit Card offers cash back on multiple categories, including dining, groceries, petrol, and recurring bills. You can earn up to 1% cash back on all spending, which can be used to offset your bill or converted into OCBC$ rewards.
Leveraging OCBC$ Rewards
OCBC Cashflo Credit Card offers OCBC$ rewards, which can be used to redeem a wide range of rewards, including vouchers, air miles, and cash rebates. You can earn OCBC$ rewards by using your card for purchases, and the more you spend, the more rewards you earn. You can also make additional OCBC$ rewards by participating in promotions and offers.
In summary, to maximise your OCBC Cashflo Credit Card usage, you need to plan your spending strategically, understand the categories and cash back, and leverage OCBC$ rewards. Doing so allows you to earn some money back, stretch payments across 3 or 6 months with 0% interest, and redeem rewards that suit your lifestyle.
Frequently Asked Questions
What splendid benefits can I expect from the OCBC Cashflo Credit Card?
With the OCBC Cashflo Credit Card, you can enjoy a 0% interest instalment plan for up to 6 months on your purchases. Additionally, you can earn a 1% flat rebate on your monthly spend above S$1,000 (0.5% if below), with a cash rebate cap of S$100 per month. You can also enjoy exclusive dining and entertainment privileges with the OCBC Dining and OCBC Entertainment programmes.
How does the OCBC Cashflo Card’s automatic instalment feature enhance my shopping experience?
The OCBC Cashflo Card’s automatic instalment feature allows you to split your purchases into 3 or 6 monthly instalments at 0% interest. This means you can enjoy the convenience of making big purchases without worrying about paying a lump sum upfront.
What are the eligibility criteria to apply for an OCBC credit card in the sunny island of Singapore?
To apply for an OCBC credit card in Singapore, you must be at least 21 years old and have a minimum annual income of S$30,000. You must also be a Singaporean citizen, permanent resident, or a foreigner with a valid employment pass or work permit.
Could you guide me through the thrilling process of activating my OCBC Cashflo Card?
Activating your OCBC Cashflo Card is a breeze. You can start your card via OCBC Digital by logging in to the app and selecting “Card services” from the menu bar. You can also activate your card by calling the OCBC hotline or visiting any OCBC branch.
What is the delightful trigger amount for automatic instalments with the OCBC Cashflo Card?
The delightful trigger amount for automatic instalments with the OCBC Cashflo Card is S$100. Any purchase above S$100 will automatically be split into 3 or 6 monthly instalments at 0% interest.
Are there any exclusive perks associated with the OCBC 365 or NXT Credit Cards compared to the Cashflo Card?
The OCBC 365 and NXT Credit Cards offer exclusive perks such as cashback on dining, petrol, and groceries. The OCBC 365 Credit Card also offers cashback on online shopping and recurring bills, while the OCBC NXT Credit Card offers cashback on contactless payments and mobile payments.
However, the OCBC Cashflo Card’s automatic instalment feature makes it an excellent choice for those who prefer to pay for their purchases in instalments.
