Before you apply

• Eligibility

  Min. age

  21 years old for principal card and
  18 years old for supplementary card

  Min. income

  S$30,000 a year for Singaporeans or Singapore PRs
  S$45,000 a year for foreigners

• FEES & charges

  Principal card

  S$196.20 (including GST), waived for the first two years

  Supplementary card

  S$98.10 (including GST), waived for the first two years

  Automatic annual fee waiver

  Minimum spending of S$10,000 in one year, starting from the month after your FRANK Credit Card was issued ($0 annual fees for the first 2 years)

  Others

  See all fees & charges

• what to prepare

  Singaporeans or Singapore PR

  NRIC
  If salaried employee
  If self-employed person or commissioned or variable income earner

  Foreigners

  Passport
  Employment Pass with 6 months' validity
  Income documents

• What FRANK Credit Card design choices do I have? How can I change my card design?

  Effective 1 July 2020, new applicants for the FRANK Credit Card can choose between 2 designs � Obsidian (FRK2020) and Vortex (PRF0002). These 2 designs are also applicable for card design change requests for current Cardmembers.

  If you are an existing FRANK Credit Cardmember and wish to change your design, you can visit an open OCBC branch, or call our hotline +65 6363 3333.

  Please note that safety procedures are adhered to at OCBC Branches to ensure safe distancing during COVID.

  If you are an existing FRANK Credit Cardmember who is currently happy with your existing design, no further action is needed. Your card replacements will continue to be in your existing design.

• How are the rebates calculated with S$25 sub-caps?

  To illustrate the S$25 sub-cap:

  MERCHANT	PAYMENT MODE	SPEND AMOUNT	BONUS CASHBACK CATEGORY	CASHBACK EARNED
  Booking.com Starbucks	Online payment in FX In-store payment in FX	S$400 S$20	8% cashback on foreign currency transactions	S$25*
  foodpanda ZARA Scoop Wholefoods	Online payment in SGD Apple Pay / Google Pay in SGD Apple Pay / Google Pay in SGD	S$50 S$150 S$150	8% cashback on SGD transactions	S$25*
  Scoop Wholefoods	Apple Pay / Google Pay in SGD	S$150	2% cashback on spend at selected green merchants	S$3
  PS.Cafe	Visa Paywave (using card)	S$50	0.3% cashback on other transactions	S$0.60
  Total		S$820		S$53.60

  *The maximum cashback a customer can receive per category is capped at S$25.

• Is FavePay considered an online or in-store mobile contactless payment transaction?

  A FavePay payment via the Fave app will be classified as an online transaction as the purchase is made through the internet via an app. Only Apple Pay, Samsung Pay, Google Pay, Fitbit Pay and Garmin Pay transactions will be classified under the in-store mobile contactless payments category.

• What categories of spending are excluded from the minimum monthly spending and cashback calculations?

  Certain Merchant Category Codes are excluded from cashback calculations and will not count toward the minimum spend requirement. Examples include: top-ups to e-wallets including that of Grab, Youtrip, Singtel Dash, tax payments, insurance premium purchases made to financial institutions.