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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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.

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.

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.

Installment Tenure

Up to 12 months

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Interest-free auto-instalments

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Highlights

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.

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.

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.

Installment Tenure

Up to 12 months

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Interest-free auto-instalments

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.

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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.

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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

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

OCBC NXT Credit Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

Quick Facts

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

Supported Payment Type

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