OCBC NXT Credit Card

OCBC NXT Credit Card

The OCBC NXT Credit Card offers a great option for big purchases, with interest-free auto instalments that are split across 3 or 6 months, plus a sweet 1% cash rebate with min. spend of S$1,000.

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Card benefit

% cashback

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Earn up to 1% cashback on eligible retail spend when you meet a minimum monthly spend of S$1,000, otherwise earn 0.5% cashback. Cashback is capped at S$100 per month and excludes Grab, Gojek, and taxi transactions.

Annual Fee

S$ 163.5

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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Monthly Spend Required

None

Minimum Annual Income

S$ 30,000

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S$30,000 and above per annum (Singaporean). S$45,000 and above per annum (Foreigner).

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Highlights

Card benefit

% cashback

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Earn up to 1% cashback on eligible retail spend when you meet a minimum monthly spend of S$1,000, otherwise earn 0.5% cashback. Cashback is capped at S$100 per month and excludes Grab, Gojek, and taxi transactions.

Annual Fee

S$ 163.5

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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Monthly Spend Required

None

Minimum Annual Income

S$ 30,000

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S$30,000 and above per annum (Singaporean). S$45,000 and above per annum (Foreigner).

Offer Available

1 Year Disney+ Premium Subscription

1 Year Disney+ Premium Subscription

Welcome Offer

1 Year Disney+ Premium Subscription

Welcome Offer promotion is valid until 30 April 2025.
Promotion is valid for new OCBC credit cardmembers only.
Be one of the first 5,000 to apply and get approved for participating OCBC credit cards during the promo period to be eligible for reward.
Terms and Conditions apply.

Things to consider when choosing this card:

Things to consider

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Installment

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Rebate cap applied

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Monthly spend required

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Annual Fee required

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Benefits

Cashback

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Cashback Base Rate

0.5 %

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0.5% on all eligible retail spend below S$1,000 per calendar month. Max Cashback = S$100/month.

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Cashback Local

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

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Cashback Overseas

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

luggage

Cashback Travel

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

restaurant

Cashback Dining

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

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Cashback Supermarket

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

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Cashback Petrol

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

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Cashback Retail

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

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Cashback Local Online Shopping

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

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Cashback Overseas Online Shopping

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

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Cashback Health

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

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Cashback Department Store

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

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Cashback Digital Wallet

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

contactless

Cashback Contactless Spend

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback.

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Cashback Transport

Up to 1 %

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With a minimum spend of $1,000 and above per calendar month, otherwise 0.5% cashback. Except Grab, Gojek, and taxis.

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Quick Facts

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Purchases are automatically split into monthly installments to ease your cashflow.

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0% interest on monthly instalments.

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Earn 1% cash rebates when your monthly bill is S$1,000 or more.

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Not applicable to any cash advance, balance transfer, instalment payment plan, interest fees and other promotions and transactions.

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Eligibility

Eligibility

Minimum Age

21 years old

Minimum Annual Income

S$ 30,000

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S$30,000 and above per annum (Singaporean). S$45,000 and above per annum (Foreigner).

Monthly Spend Required

None

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Fees / Repayment

Fees

Annual Fee Waiver

2 years

Annual Fee

S$ 163.5

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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

S$ 15

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Or 8% of amount withdrawn, whichever is greater.

Repayment

Minimum Payment

S$ 50

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S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.

Late Payment Charge

S$ 100

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S$100 if Minimum Payment Due is not received on or before the Payment Due Date.

Interest on Purchase

27.78 %

Interest on Cash Advance

28.92 %

Interest Free Period

23 days

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Others

Association

Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Fitbit Pay

Garmin Pay

NETSPay

Tags

OCBC NXT Credit Card

OCBC NXT Credit Card

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