OCBC

OCBC FRANK Credit Card

Cashback1st year fee waived

How it earns

With S$800+ a month: 8% on foreign-currency spend (cap S$25)
8% on SGD online spend and in-store Apple/Google/Samsung Pay (cap S$25)
+2% at green merchants incl. SimplyGo bus/MRT (cap S$25)
0.3% on everything else (cap S$25); S$100 a month overall

What it earns on typical spending

Spending profile	Earns a year	Net of fee	Rank
Everyday S$2,000/mo	S$455	S$259	12 of 27
Eats out a lot S$2,050/mo	S$355	S$159	22 of 27
Frequent traveller S$3,570/mo	S$644	S$448	19 of 27
Family with a car S$3,050/mo	S$484	S$287	24 of 27

Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.

See what it earns on your spending

Key facts

Type	Cashback card · Visa
Annual fee	S$196.20 incl. GST
Fee waiver	First two years waived; auto-waived with S$10,000 spend in a year.
Minimum income	S$30,000 (citizens & PRs) · S$45,000 (foreigners)
Rewards currency	SGD cashback
How points are counted	Two decimals, no rounding
Expiry	—
Foreign-currency fee	3.25%

Good to know

Tapping the physical card earns 0.3%; only phone or watch wallets get 8%.
Below S$800 in a month, everything earns 0.3%.

Common questions

What is the annual fee on the OCBC FRANK?

S$196.20 a year including GST, waived for the first year. First two years waived; auto-waived with S$10,000 spend in a year.

What income do I need for the OCBC FRANK?

S$30,000 (citizens & PRs) · S$45,000 (foreigners).

How much will I earn with the OCBC FRANK?

On a typical S$2,000 a month of everyday spending, about S$455 cashback a year, or S$259 after the annual fee. That ranks it 12 of 27 cards we track. Your own spending can change this a lot.

What is the foreign-currency fee on the OCBC FRANK?

3.25% on transactions in a foreign currency.

Sources

Checked against the issuer's own pages on 27 Oct 2026:

Terms change often. Always confirm rates, caps and fees on OCBC's own page before applying. Found something out of date? Tell us.