OCBC Plus! Credit card

Last updated:May 2019
Offers
Benefits
Eligibility
APR/ FEES

Offers

Welcome Offers from OCBC

OFFER 1

Receive $50 cash credit

Receive S$50 cash rebate upon approval for new OCBC Credit Card applications.

Need some help?

No worries, we've got you covered!

How do credit cards work?

A credit card lets you pay for purchases both in shops and online without paying cash. You usually get slightly more than a month to pay that amount back to the bank without incurring any interest. However, if you do not pay the full sum before the due date, an interest (up to 24% - 28% per annum.) is charged on the outstanding amount. Banks usually require you to pay a minimum sum each month.

What's the difference between credit cards and debit cards?

When you apply for a credit card, you get a credit limit, which is usually two to four times your monthly salary. You draw down on this credit limit when you make purchases and then repay the bank at the end of the month. With a debit card, however, the exact purchase amount is deducted directly from an account that's linked to the debit card. If there are insufficient funds in the account, the transaction will not go through.

How do I apply for a credit card?

You can apply for a credit card online or through forms available at banks or shopping malls. Fill up the personal details required, submit the relevant documents and wait for the application to be approved.

When can I apply for a credit card?

You must be at least 21 years old to apply for a credit card. Some banks allow student credit cards to be issued to those aged 18. The minimum age for a supplementary card holder is also 18 years old.

Receive your digital card instantly when you apply with MyInfo

Receive your digital card instantly when you apply with MyInfo

Shopping
Annual Fee Waiver
Shopping
Annual Fee Waiver

Great for

Receive S$50 cash rebate upon approval for new OCBC Credit Card applications. Promotion valid till 31 July 2019. Terms and Conditions apply.
Enjoy up to 7% off at FairPrice Stores and Warehouse Club, and up to 3% off at FairPrice Online.
Enjoy 18.5% fuel savings + earn 2.4% Smiles Points at Esso.
Enjoy instant 18% off all fuel grades and 0.2% LinkPoints rebate at Caltex.
Enjoy 3% off everything at Unity, Popular and Cheers.
1% LinkPoints reward on M1, Starhub & Singtel recurring bills.
Earn 0.22% LinkPoints rewards on all Visa spendings.

Need to know

Min. spend of S$500 worth of Visa transactions outside FairPrice, FairPrice Online, Warehouse Club and Unity required.
Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$45,000
Automatic fee waiver from the 2nd year onwards with a min. spend of S$2,500 per annum.

Benefits

Year-round rewards

Cash rebate
Air miles rewards
Cash rebate
All Spending
2.09 %
Retail Spending
5.56 %

Eligibility

APR/ FEES

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