How do I pay for my OCBC credit card bill in Singapore?

In Singapore, there are several ways to pay your OCBC credit card bill. These include: FAST: You can pay your credit card bill instantly through other participating banks in Singapore via FAST (Fast And Secure Transfers). Other banks include DBS, POSB, UOB, Citibank and Standard Chartered. Internet Banking: You can pay your credit card bill through the OCBC Internet Banking portal which allows you to securely view your account details, pay bills, and transfer funds. OCBC Mobile Banking: You can pay your credit card bill, complete fund transfers, check your account details and more via the OCBC Mobile Banking App on your smartphone. AXS: With AXS, you have the convenience and flexibility of paying your OCBC credit card bill anywhere, anytime. Regardless of the method you choose, be sure to pay your bill on time to avoid late fees and maintain a good credit score. You can also schedule recurring payments to ensure that your bills are paid on time every month.

How can I check my OCBC credit card bill or statement in Singapore?

You can check your OCBC credit card bill or statement via the OCBC Internet Banking portal or the OCBC Mobile Banking app. You can also sign up for the OCBC Mobile Push Notification service to receive notifications or alerts when specific transactions on your accounts or credit cards are made. Do check your credit card bill or statement regularly to ensure that your credit card transactions are correct.

How do I waive my OCBC credit card annual fee?

Customers can contact OCBCs customer service department to request for a credit card annual fee waiver. Alternatively, cardholders can also request for an annual fee waiver through the OCBC Internet Banking portal or the OCBC Mobile Banking app.It's important to note that fee waivers are generally granted on a case-by-case basis and not all fee waivers will be granted.

How do I cancel my OCBC credit card?

If you need to cancel your OCBC credit card, you can do so by contacting the bank directly. You can make a request over the phone or by visiting a bank branch. It's important to note that you may be responsible for any outstanding balance or fees on your credit card.

What is the highest credit card limit for OCBC?

The highest credit card limit offered by OCBC in Singapore is between 4 to 6 times your annual income, but this can vary depending on the individual's credit profile.It is important to note that the credit card limit offered by OCBC may vary depending on the individual's creditworthiness, income and other factors, and it's always best to check with OCBC for the most current information and the terms and conditions that apply.It is important to remember that having a high credit limit does not necessarily mean you should use the entire limit, it's always best to use credit responsibly and within your means.

How do I increase my OCBC credit card limit?

Cardholders can increase their OCBC credit card limit by downloading and completing a Credit Limit Review Form from OCBC. The completed form has to be submitted either through standard mail or uploaded online with the necessary documents to qualify for a credit card review.

How do I activate my OCBC credit card in Singapore?

OCBC cardholders in Singapore can activate their OCBC credit card via the OCBC Internet Banking portal, the OCBC Mobile Banking app, or through SMS.The steps to activate your OCBC credit card will vary depending on the credit card activation method that you have chosen.

How do I activate my OCBC credit card for overseas use?

OCBC cardholders who are travelling can activate their OCBC credit card for overseas use via the OCBC Internet Banking portal, the OCBC Mobile Banking app, or through SMS.The steps to activate your OCBC credit card for overseas use will vary depending on the activation method that you have chosen.

What is OCBC PayLite?

OCBC PayLite is a service offered by OCBC that allows you to enjoy interest-free monthly instalments on your credit card purchases. With OCBC PayLite, you can spread the cost of your purchases over 3 to 12 months without incurring any interest charges.Whether you're making a big purchase or just need some extra time to pay, OCBC PayLite offers a convenient and affordable way to pay.Please note that a 3-5% processing fee will apply and only purchases above S$100 are eligible for OCBC PayLite.

Best Travel Insurance Plans for Road Trips

SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x (single trip) or 3x (annual trip) draw chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed (up to a maximum of $2,000) and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Valid till 31 December 2023. T&Cs apply.

Travel Insurance	Premium for Individual Cover	Covid-19 Coverage	Promotion
FWD Travel Insurance Apply Now	from S$22.50 (for 1 week in Asean)	Yes	Use the promo code SSTRIP to get 30% off on Single Trip and Annual Trip plans. Valid till 30 September 2023. T&Cs apply. Receive 1x Airalo eSim with up to 3GB data (minimum premium $60). Valid till 30 Sep 2023. T&Cs apply. Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.
Etiqa (TIQ) Travel Insurance Apply Now	from S$39 (for 1 week in Asean)	Yes	Single Trip: Use the promo code TIQSINGSAVER to get 40% off. T&Cs apply. Valid till 30 Sep 2023. T&Cs apply. Annual Trip: Use promo code TIQSINGSAVER to get 60% off COVID-19 add-on. Valid till 30 Sep. T&Cs apply. Plus, till 30th September, every 58th sign up scores a Samsonite Volant Spinner 68/25 EXP worth S$480. Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply. Plus, new customers get additional S$30 off on top of the discount with voucher code FREETRAVEL. Valid till 30 Sep 2023. T&Cs apply. Additionally, stand to win S$3,000 in TIQ Travel Insurance Monthly Lucky Draw Campaign 2023 (Fulfillment by TIQ). Valid till 31 Dec 2023. T&Cs apply.
Starr TraveLead Travel Insurance Apply Now	from S$11.05 (for 1 week in ASEAN)	Yes	Receive up to $50 Grab Vouchers and 35% discount plus an EXCLUSIVE Agoda promo code when you apply using the promo code SSVTL35. Valid till 30 September 2023. Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw. 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.
Allianz Travel Insurance Apply Now	from S$34.10 (for 1 week in Asean)	Yes	Get 35% discount and receive up to S$50 worth of Grab vouchers when you use the promo code G035. Valid till 30 Sep 2023. T&Cs apply. Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.
MSIG Travel Easy Apply Now	from S$34.10 (for 1 week in ASEAN)	Yes	Enjoy 40% off when you apply for Single Trips and 20% off for Annual Plan plus get up to $38 Grab Vouchers when you purchase now!! Valid till 31 Sep 2023. T&Cs apply Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.
Singlife Travel Insurance Apply Now	from S$46.20 (for 1 week in ASEAN)	Yes	Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 30 Sep 2023. T&Cs apply. Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply. Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25. Valid till 30 Sep 2023. T&Cs apply.
Allied World Travel Insurance Apply Now	from S$45 (for one week in Asean)	Yes	Single Trip: Enjoy a 30% discount when you apply now! Valid till 30 Sep 2023. Annual Trip: Enjoy a 10% discount when you apply now! Valid till 30 Sep 2023. Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply
AIG Travel Guard® Direct Apply Now	from S$30 (for 1 week in Asean)	Yes	Single Trip: Apply promo code SSTGD and receive up to $50 worth of Grab eVouchers! (minimum premium $100, fullfilment by AIG) Valid till 30 Sep 2023. T&Cs apply. Annual Trip: Get up to 6 Plaza Premium Lounge Access Passes with the promo code SSTGD when you apply NOW! Fulfillment by AIG. Valid till 30 Sep 2023. T&Cs apply. Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. Promotion ends on 31 December 2023. T&Cs apply.
Great Eastern Travel Insurance Apply Now	from S$52 (for one week in Asean)	Yes	Single Trip: Get an 20% discount when you use the promo code TSP20S. Annual Trip: Get an 10% discount when you use the promo code TSP10A. Additionally, enjoy 1x chance (Single Trip) or 3x chances (Annual Trip) to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply. Promotion ends on 31 December 2023. T&Cs apply.

Find the Best Travel Insurance for You

Insuring Yourself on Road Trips

Before we start, let’s establish the context for the discussion to follow. When going on a road trip, there are two forms of insurance you need – travel insurance and rental car insurance. While there may be areas of overlap, it may be more prudent to consider each one separately.

Here are the differences between the two:

Travel insurance	Rental car insurance
Provides cover for you, your passengers, and your belongings	Provides cover for your rental car, as well as third party liability
Benefits include personal accident, overseas medical, luggage and travel disruption/cancellation	Benefits may include loss or damage of rental car, emergency assistance and evacuation, overseas medical expenses, personal accident
Purchased on your own from insurer of your choice	May be offered by rental car company, or independent vendor

Travel Insurance

Travel insurance plans typically provide personal accident cover and overseas medical benefits, which account for two of the most important areas of coverage when taking road trips overseas.

A travel insurance will safeguard you against any medical expenses you incur, as a result of any injury or illnesses from your trip.

If you're on a road trip, it's best to get a travel insurance with high medical expenses coverage in the event of the unfortunate happens. Though we wish that no claims will be required to make, it's better to be safe than sorry.

Rental Car Insurance

As you will very likely be driving a rental vehicle, there is one other area of coverage you shouldn’t miss out on – insurance for your rental vehicle.

It sounds counterintuitive, but rental cars don’t come with very much by way of insurance. Car rental companies are only required to provide third-party liability, which only covers you against claims made by someone injured in a traffic accident involving your rental car.

That means that you’re on the hook for all other loss and/or damage to the vehicle during the rental period, which can open you up to some pretty nasty bill shocks should someone rear-end you, break into your parked car, set it on fire, steal and thrash it in a joyride, etc.

You may be able to use your regular car insurance plan (the one for the car you are driving in Singapore) to settle the rental company’s claims, but doing that will mean losing your No-Claims Discount (NCD).

More insidiously, it will also subject you to premium loading – industry speak for upwards adjustment of your premiums upon the next renewal – independent of your NCD penalty.

Hence, when going on a road trip, you need to make sure you have adequate cover against loss or damage of your rental car. This means that you should consider adding-on benefits such as:

Collision, loss or damage waiver (although there still may be excess charges)
Windscreen, windows and tyre repairs and replacements
Relocation and towing benefits
Theft protection

Different car rental companies offer some form or combination of these (and other) benefits, so be sure to check with them directly for personalised advice.

Read these next:
Best Covid-19 Travel Insurance Plans (2023)
Best Travel Insurance Plans And Promotions In Singapore
Travel Insurance Guide: Five Things All Travellers Must Know

Product	Product Benefit Highlights	Rental Vehicle Excess
FWD First	Up to S$400,000 death or permanent disability caused by accident Up to S$1,000,000 overseas medical expenses	S$300
Starr TraveLead Gold Plan - Worldwide (Annual)	Up to S$500,000 accidental death and permanent disability Up to S$1,000,000 overseas medical expenses	S$1,200
Allianz Travel Insurance Platinum Plan	Up to S$100,000 travel accident coverage Up to S$1,000,000 overseas medical and dental expenses	S$1,500
MSIG Premier Plan	Up to S$500,000 accidental death and permanent disability Up to S$1,000,000 overseas medical expenses	S$1,500
Singlife Travel Prestige	Up to S$500,000 accidental death and permanent disability Up to unlimited overseas medical expenses	S$2,500
Allied World Travel Protector Premier	Up to S$750 rental vehicle access Up to S$500,000 personal accident coverage Up to S$500,000 overseas medical expenses	S$750

So, rental car insurance really should be considered separately, but does that mean that travel insurance policies are completely unrelated? Not exactly.

You see, collision, loss or damage waivers may still include an excess charge, which is payable out of your own pocket. (You can opt for a higher-cost rental insurance plan that completely absorbs the excess charges, but not all rental companies may offer them.)

However, with a travel insurance plan that offers rental excess cover, you can reduce this extra expense, or even stave it off completely.

Of course, car rental excess cover alone isn’t the only thing you should consider when choosing a travel insurance plan, so remember to examine the rest of the benefits in these two plans before making your choice.

Two such plans are Allianz Travel Insurance, and Singlife Travel Insurance. Both offer car rental excess cover, as follows:

Allianz Travel Insurance: Up to S$1,500
Singlife Travel Insurance: Up to S$2,500

Bonus Mention: Allianz Travel Insurance

When it comes to rental vehicle excess, Allianz emerges as the top with the highest coverage of up to S$1,500 when you purchase their Platinum plan.

They also have very decent coverage in other areas. For overseas medical and dental expenses, you can claim up to S$1,000,000, while personal accident will cover you up to S$200,000.

For travel inconveniences like trip cancellation or trip disruption, you can expect to claim up to S$10,000. For travel delays, you can get up to S$1,600. Baggage lost, damaged or stolen can be claimed up to S$5,000, while baggage delays allow you to up to S$1,000.

SingSaver's Allianz Travel Insurance Exclusive Promotion:

Receive up to S$35 worth of Grab vouchers. Valid till 30 Sep 2023. T&Cs apply.

Enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Allianz Travel Insurance includes coverage for both COVID-19 and Cruises to Nowhere.

Best Road Trip Travel Insurance: Singlife Travel Insurance

Singlife travel insurance is a strong contender when it comes to road trips, boasting high coverage for both rental vehicle excess and medical expenses.

For rental vehicle excess, they come close to Allianz of up to S$2,500 if you purchase their Prestige plan. They offer coverage of up to S$500,000 for accidental death and permanent disability, and up to unlimited coverage for overseas medical expenses — the highest coverage on the list so far.

You can claim up to S$20,000 trip cancellations, and they have this nifty coverage of up to S$5,000 for trip cancellations for any reason, with no questions asked.

You can claim S$100 for every 6 hours of travel delay, up to S$2,000, while you can claim S$200 for every 6 hours for baggage delay overseas and S$150 for every 6 hours for baggage delay in Singapore, up to S$2,000.

Singlife Travel Insurance Promotion: Score an Airalo eSIM with up to 3GB data and receive it before you fly when you apply now! Valid till 30 Sep 2023. T&Cs apply.

Additionally, enjoy up to 3x chances to enter our Weekly Lucky Draw, where 1 lucky winner will stand to have their flight ticket reimbursed and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480. T&Cs apply.

Single Trip: Enjoy a 25% discount when you use the promo code TRAVEL25. Valid till 30 Sep 2023. T&Cs apply.

Conclusion: Always Check With Your insurer

The tricky thing about travel insurance is working out what events and occurrences your plan will actually cover, and under what circumstances.

This can be further complicated by the fact that different insurers have different exclusions, which means that between two similar-looking plans, maybe only one will give you the cover you actually need.

But fret not, confirming whether a particular travel plan is right for you is relatively simple. Just contact the insurance company, tell them exactly what you will be doing on your trip, and ask them to confirm if the plan will cover you. They’ll tell you yes or no – and suggest alternatives or add-ons in the latter scenario.

And while you’re at it, might as well ask them if they allow double indemnity; i.e., whether you can make a claim on your plan if you are also claiming against your licensed guide, travel agent or relevant third party.

Yes, all that sounds like quite a bit of work just for a holiday, but the clearer you are about your coverage, the more you will be able to enjoy your road trip, water sports or extreme sports holiday.

Protected up to specified limits by SDIC.

Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that are not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

Best Travel Insurance Plans for Road Trips

Best Road Trip Travel Insurance:

Travel Insurance Promotions