Are you looking for a credit card that can help you manage your cash flow while providing many benefits? Look no further than the OCBC Cash Flow Credit Card.
This credit card offers a range of features that can help you stretch your payments across 3 or 6 months with 0% interest, earn up to 1% cash rebate on all spending, and waive the annual fee for 2 years, with subsequent years waived with a minimum spend of S$10,000 p.a.
You must meet certain eligibility criteria to apply for the OCBC Cash Flow Credit Card. You must be at least 21 years old with a minimum annual income of S$30,000 for Singaporeans and Permanent Residents and S$45,000 for foreigners. The application process is simple and can be done online. Once approved, you can start enjoying the benefits of your new credit card.
Using the OCBC Cash Flow Credit Card wisely, you can maximise your benefits with minimum spending, take advantage of annual fee waivers and other perks, and understand interest rates and fees. This credit card also offers special features for specific demographics, making it an ideal choice for anyone looking to manage their cash flow and enjoy various benefits.
Key Takeaways
- This credit card offers a range of features that can help you stretch your payments across 3 or 6 months with 0% interest.
- Using the OCBC Cash Flow Credit Card wisely, you can maximise your benefits with minimum spending.
- With this credit card, you have the chance to take advantage of annual fee waivers and other perks and understand interest rates and fees.
Key Features of OCBC Cash Flow Credit Card
If you’re looking for a credit card that offers exciting cashback offers, generous rewards programme, and flexible spending categories, then the OCBC Cash Flow Credit Card might be the perfect fit for you.
Exciting Cashback Offers
With the OCBC Cash Flow Credit Card, you can enjoy 1% cash rebate on all your spending, with a minimum spend of S$1,000 per month. This rebate is capped at S$100 per month, so you can earn a maximum of S$1,200 in cash rebates per year. Plus, you can stretch your payments across 3 or 6 months with 0% interest, making it easier to manage your finances.
Generous Rewards Programme
In addition to cash rebates, the OCBC Cash Flow Credit Card also offers a generous rewards programme. You can earn air miles or miles for every dollar you spend, which can be redeemed for travel, shopping, dining, and more. Plus, you can earn bonus miles when you spend on specific categories, such as dining, transport, grocery, and pharmacy.
Flexible Spending Categories
The OCBC Cash Flow Credit Card offers flexible spending categories, so you can earn rewards on the things you love to do. Whether you’re a foodie, a traveller, or a shopaholic, there’s a category for you. Some of the spending categories include dining, transport, grocery, pharmacy, and more. Plus, you can earn rewards on your overseas spending, making it the perfect card for frequent travellers.
Overall, the OCBC Cash Flow Credit Card is a great choice for anyone looking for a credit card with exciting cashback offers, a generous rewards programme, and flexible spending categories. With its 1% cash rebate, air miles, and miles, you can enjoy great rewards while managing your finances.
OCBC Cash Flow Credit Card: Eligibility and Application
Getting an OCBC Cashflo Credit Card is easy. Here are the requirements and steps you need to take:
Income and Employment Criteria
To be eligible for the OCBC Cashflo Credit Card, you must be a Singaporean citizen or a permanent resident of Singapore. You must also meet the minimum annual income requirement of SGD 30,000.
If you are a foreigner, you must have a minimum annual income of SGD 45,000 to be eligible for the card.
OCBC Cash Flow Credit Card: Using MyInfo for Faster Processing
To make the application process faster and more convenient, you can use MyInfo, a government digital service that allows you to automatically share your personal information with OCBC. With MyInfo, you no longer need to manually fill in your personal, employment, and income details.
To use MyInfo, simply login to your OCBC Internet banking account and select “Apply for a Credit Card.” Then, select “Use MyInfo” and follow the prompts to complete your application.
Once you have submitted your application, you will receive an email confirmation from OCBC. The bank will then process your application and notify you of the outcome within 3 to 5 business days.
With the OCBC Cashflo Credit Card, you can enjoy various benefits, including a convenient 0% interest instalment plan and up to 1% cash rebate on all your spending. Apply for the card today and start enjoying these benefits!
OCBC Cash Flow Credit Card: Maximising Benefits With Minimum Spend
If you want to enjoy the benefits of the OCBC Cashflo Credit Card, but are worried about meeting the minimum spending requirements, don’t worry! We have got you covered. With the right strategies, you can quickly meet the minimum spend threshold and maximise your benefits.
OCBC Cash Flow Credit Card: Understanding the Minimum Spending Required
The OCBC Cashflo Credit Card requires a minimum spend of S$1,000 per month to enjoy the full benefits of the card. This may seem daunting, but it is easily achievable with a bit of planning.
OCBC Cash Flow Credit Card: Strategies to Meet the Spend Threshold
Here are some strategies you can use to meet the minimum spend threshold and maximise your benefits:
- Use your card for all your monthly bills and utilities: By using your OCBC Cashflo Credit Card to pay your monthly bills and utilities, you can quickly meet the minimum spend requirement. This includes your electricity, water, phone bills, and rent or mortgage payments.
- Plan your big purchases: If you have a big purchase coming up, such as a new appliance or a holiday, plan to purchase during a month when you are close to meeting the minimum spend requirement. This will help you meet the threshold and earn cashback on your purchase.
- Combine your spending with your partner or family: If a partner or family member is holding an OCBC Cashflo Credit Card, consider combining your spending to meet the minimum spend requirement. This can be especially helpful if you are close to meeting the threshold but need a little extra.
- Use your card for all your daily expenses: Finally, to maximise your benefits, use your OCBC Cashflo Credit Card for all your daily expenses, such as groceries, dining out, and shopping. This will help you earn cashback on all your spending and reach the minimum spend requirement.
By following these strategies, you can easily meet the minimum spend requirement and maximise your benefits with the OCBC Cashflo Credit Card.
OCBC Cash Flow Credit Card: Annual Fee Waiver and Other Perks
If you’re looking for a credit card that offers a range of benefits and perks, the OCBC Cashflo Credit Card is a great option. Not only does it come with a variety of cashback rewards, but it also offers an annual fee waiver and other exclusive benefits.
How to Get Your Annual Fee Waived
One of the best things about the OCBC Cashflo Credit Card is that you can enjoy an annual fee waiver every year. To qualify for this waiver, all you need to do is spend at least S$10,000 on your card each year. This can be easily achieved by using your card for your everyday expenses, such as groceries, dining, and shopping.
OCBC Cash Flow Credit Card: Additional Benefits and Exclusives
In addition to the annual fee waiver, the OCBC Cashflo Credit Card also offers a range of other benefits and exclusives. For example, you can enjoy up to 1% cashback on your purchases, depending on your spending habits. You can also enjoy up to 3% cashback on your foreign currency spending, which is perfect for those who love to travel.
Another great benefit of the OCBC Cashflo Credit Card is that you can pay for your purchases in instalments. This means that you can spread out the cost of your purchases over a longer period of time, making it easier to manage your finances. Plus, you can enjoy e-commerce protection when you shop online, giving you peace of mind when making online purchases.
Overall, the OCBC Cashflo Credit Card is a fantastic option for anyone looking for a credit card with a range of benefits and perks. With an annual fee waiver, cashback rewards, and other exclusive benefits, this card is definitely worth considering.
OCBC Cash Flow Credit Card: Understanding Interest Rates and Fees
If you’re considering the OCBC Cashflo Credit Card, it’s important to understand the interest rates and fees associated with the card. This will help you avoid unnecessary charges and make the most of the benefits of the card.
Avoiding Unnecessary Charges
The OCBC Cashflo Credit Card charges an annual fee of S$160.50, which is waived for the first two years. To avoid the fee after the first two years, you will need to spend a minimum of S$10,000 per year on the card. If you don’t meet this spending requirement, you will be charged the annual fee.
In addition to the annual fee, the OCBC Cashflo Credit Card charges a processing fee of 3% on all transactions made using the card. This fee is capped at S$100 per transaction.
To avoid unnecessary charges, make sure you pay your balance in full each month. This will help you avoid interest charges and ensure that you don’t pay more than you need to for your purchases.
OCBC Cash Flow Credit Card: Interest-Free Instalment Plans
One of the key benefits of the OCBC Cashflo Credit Card is its interest-free instalment plans. These plans allow you to spread the cost of your purchases over a period of up to 6 months, without paying any interest.
To take advantage of the interest-free instalment plans, simply make a purchase using your OCBC Cashflo Credit Card and then choose the instalment plan option at the point of sale. You can choose to split your payment into 3 or 6 monthly instalments, depending on your needs.
It’s important to note that while the instalment plans are interest-free, there is a processing fee of 3% on each instalment. This fee is capped at S$100 per transaction.
By understanding the interest rates and fees associated with the OCBC Cashflo Credit Card, you can make the most of the benefits of the card and avoid unnecessary charges.
OCBC Cash Flow Credit Card: Special Features for Specific Demographics
If you are a young adult, the OCBC Frank Card is the perfect credit card for you. With up to 6% cashback for online and contactless spend, you can enjoy your favourite meals, shopping, and entertainment while earning cashback. The card also offers exclusive discounts and promotions for popular merchants such as Zalora, Lazada, and Grab. With no minimum spend required, you can start earning cashback on your daily expenses right away.
For high earners, the OCBC Visa Infinite and OCBC Voyage Card offer exclusive benefits and privileges. The Visa Infinite card offers unlimited access to over 1,000 airport lounges worldwide, complimentary limousine transfers, and travel insurance coverage of up to £5 million. The Voyage card offers a unique rewards program that allows you to earn miles faster and redeem them for flights, hotel stays, and other travel experiences. You can also enjoy exclusive dining, shopping, and entertainment privileges at select merchants.
Here are some of the benefits you can enjoy with these credit cards:
OCBC Cash Flow Credit Card: Benefits for Young Adults
- Up to 6% cashback for online and contactless spend with the OCBC Frank Card
- Exclusive discounts and promotions for popular merchants such as Zalora, Lazada, and Grab with the OCBC Frank Card
- No minimum spend required to start earning cashback with the OCBC Frank Card
OCBC Cash Flow Credit Card: Exclusive Offers for High Earners
- Unlimited access to over 1,000 airport lounges worldwide with the OCBC Visa Infinite Card
- Complimentary limousine transfers with the OCBC Visa Infinite Card
- Travel insurance coverage of up to £5 million with the OCBC Visa Infinite Card
- Unique rewards program that allows you to earn miles faster and redeem them for flights, hotel stays, and other travel experiences with the OCBC Voyage Card
- Exclusive dining, shopping, and entertainment privileges at select merchants with the OCBC Voyage Card
With these credit cards, you can enjoy exclusive benefits and privileges that suit your lifestyle and needs. Whether you are a young adult looking for cashback rewards or a high earner seeking luxury travel experiences, there is an OCBC credit card that is perfect for you.
OCBC Cash Flow Credit Card: Comparing with Competitors
If you’re considering the OCBC Cashflo Credit Card, it’s important to compare it with other cards on the market to ensure that you’re getting the best deal for your spending habits. Here, we’ll compare the OCBC Cashflo Credit Card with some of its competitors to help you make an informed decision.
How Does It Stack Up Against Others
When it comes to cashback credit cards, the OCBC Cashflo Credit Card is a strong contender. With a flat rebate of 1% on your monthly spend of S$1,000 or more, it’s a great way to earn rewards on your everyday spending. However, if you’re looking for a card with no minimum spend requirement, you might want to consider the CIMB Visa Infinite Card. This card offers unlimited cashback on all your spending, with no minimum spend required.
If you’re looking for a card that offers a higher cashback rate, the Standard Chartered Simply Cash Card might be a good option. This card offers up to 1.5% cashback on all your spending, with no minimum spend required. However, it’s worth noting that this card comes with a higher annual fee than the OCBC Cashflo Credit Card.
Choosing the Right Card for Your Lifestyle
When it comes to choosing the right cashback credit card, it’s important to consider your spending habits and lifestyle. If you’re someone who spends a lot on groceries, dining out, and entertainment, the Amex True Cashback Card might be a good option. This card offers up to 3% cashback on these categories, with no minimum spend required.
If you’re someone who wants to earn cashback on all your spending, the UOB Absolute Cashback Card might be a good option. This card offers a flat 1.7% cashback on all your spending, with no minimum spend required. However, it’s worth noting that this card comes with a higher annual fee than the OCBC Cashflo Credit Card.
Overall, the OCBC Cashflo Credit Card is a great option for those who want to earn cashback on their everyday spending. With a flat rebate of 1% on your monthly spend of S$1,000 or more, it’s a great way to earn rewards on your everyday spending. However, it’s important to compare it with other cards on the market to ensure that you’re getting the best deal for your spending habits.
OCBC Cash Flow Credit Card: Making the Most of Promotions
If you’re looking to get the most out of your OCBC Cashflo Credit Card, then it’s important to take advantage of the latest promotions. By staying up-to-date on the latest deals, you can save money on everything from retail purchases to online shopping. Here are some tips for making the most of promotions.
Staying Updated on the Latest Deals
To stay updated on the latest deals, be sure to check the OCBC website regularly. You can also sign up for their mailing list to receive notifications about new promotions. Additionally, follow OCBC on social media to stay in the loop about exclusive deals and limited-time offers.
Leveraging Seasonal Offers
One of the best ways to save money with your OCBC Cashflo Credit Card is by leveraging seasonal offers. For example, during the holiday season, you may be able to save money on gifts and decorations by using your card at participating retailers. Similarly, during back-to-school season, you may be able to save money on supplies and electronics.
Another way to take advantage of seasonal offers is by combining them with other promotions. For example, you may be able to earn extra cashback or rewards points when you use your card at a specific retailer during a certain time period. By stacking these promotions, you can save even more money on your purchases.
Overall, by staying up-to-date on the latest promotions and leveraging seasonal offers, you can get the most out of your OCBC Cashflo Credit Card. Whether you’re looking to save money on retail purchases or online shopping, there are plenty of ways to take advantage of the benefits of this card.
OCBC Cash Flow Credit Card: Exclusions and Spending Limits
When it comes to earning cashback with your OCBC Cashflo Credit Card, there are certain exclusions and spending limits you should be aware of.
What Doesn’t Count Towards Cashback
Firstly, it’s important to note that there are certain transactions that do not count towards your cashback rewards. These include:
- Insurance payments: Unfortunately, payments made towards insurance policies, premiums, and related fees are not eligible for cashback rewards with your OCBC Cashflo Credit Card.
- Education fees: Similarly, tuition fees, school fees, and other education-related expenses are not eligible for cashback rewards.
- Cash advances: Cash advances, balance transfers, and other similar transactions are also not eligible for cashback rewards.
It’s important to keep these exclusions in mind when using your OCBC Cashflo Credit Card to ensure you are maximizing your cashback rewards. Additionally, there are spending limits that you should be aware of.
For example, the maximum cashback you can earn per month is capped at S$100. Furthermore, to be eligible for the 1% flat rebate, you must spend at least S$1,000 per month. If you spend less than this amount, your cashback rate will be reduced to 0.5%.
Overall, while there are some exclusions and spending limits to be aware of, the OCBC Cashflo Credit Card is still a great way to earn cashback rewards on your everyday purchases.
Frequently Asked Questions
What dazzling perks can you get with the OCBC Cashflo Platinum Card?
The OCBC Cashflo Platinum Card offers several benefits to its users. You can enjoy a 0% interest instalment plan on your purchases, making it easier to manage your expenses. You can also earn a flat rebate of 1% on your monthly spend above S$1,000 (0.5% if below). This card is perfect for those who frequently spend more than they can immediately afford and want to earn rewards on their expenditures.
How can one elegantly qualify for an OCBC credit card in Singapore?
To qualify for an OCBC credit card in Singapore, you must be a Singaporean citizen or permanent resident and be at least 21 years old. You must also have a minimum annual income of S$30,000 for Singaporeans and S$45,000 for foreigners. Additionally, you must have a good credit score and no history of defaulting on loans or credit card payments.
What’s the exciting trigger amount for the OCBC Cashflo Card auto-instalment feature?
The exciting trigger amount for the OCBC Cashflo Card auto-instalment feature is S$100. This means that any purchase above S$100 will automatically be split into three or six monthly instalments at 0% interest, depending on your preference.
Which OCBC credit card offers the most splendid rewards for daily expenses?
The OCBC 365 Credit Card offers the most splendid rewards for daily expenses. You can earn up to 6% cashback on dining, 3% cashback on groceries, and 5% cashback on petrol. You can also earn 3% cashback on online shopping and recurring telco bills. This card is perfect for those who want to earn rewards on their everyday expenses.
How does the OCBC Great Eastern Credit Card supercharge your insurance benefits?
The OCBC Great Eastern Credit Card offers enhanced insurance benefits to its users. You can enjoy up to 1% cash rebates on your insurance premiums, making it easier to manage your insurance expenses. You can also earn up to 3% cash rebates on your Great Eastern insurance premiums when you charge them to your card.
What steps should you joyfully take to apply for an OCBC credit card instalment plan?
To apply for an OCBC credit card instalment plan, you can simply log in to your OCBC Internet Banking account and select the “Instalment Payment Plan” option. You can then choose the transaction you want to convert into instalments and select the repayment period. Alternatively, you can call the OCBC customer service hotline to apply for an instalment plan.
