Get straight to the point. Get straight to your card or personal loan.

Receive and use your digital card, or get cash from your line of credit instantly when you apply via Myinfo.

Immediate Perks

Aside from instant approvals and instant Online Banking set up, here are more benefits:

icon

Credit and Debit Cards

  • Instant digital card issuance.
icon

EasiCredit

Get cash instantly from your line of credit.

icon

ExtraCash Loan

Get cash disbursed instantly into your designated bank account

A truly instant process.

Here’s how you can use and enjoy your card-related benefits immediately upon receiving your digital card:

  • Add your card into your mobile wallet (e.g. Apple Pay, Fitbit Pay, Google Pay®, Samsung Pay) to pay for in-store purchases.
  • Checkout using your card details for online and mobile app purchases*.
  • Use your card to pay for recurring bills (e.g. monthly utility bills and subscriptions).

*Excluding merchants that do not require CVV input.

How it works

Get your card or personal loan in 3 simple steps.

Please also refer to Important things to note before you start your application.

1
Connect via Myinfo
Retrieve your details via Myinfo for a quicker and easier application.

2
Verify and submit
Confirm your details and submit your application.

3
Get and use instantly
After your card or personal loan is approved instantly, you will receive an email and SMS with a link to access your digital card or loan account.
Apply for a personal loan

EasiCredit

A line of credit for standby cash
when you need it

Apply now Learn more

ExtraCash Loan

An affordable instalment loan for
your one-time borrowing needs

Apply now Learn more
Apply for an OCBC credit card
OCBC INFINITY Cashback Card

OCBC INFINITY Cashback Card

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OCBC 365 Credit Card

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OCBC 90°N Visa Card

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OCBC 90°N Mastercard

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OCBC 90°N Card

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OCBC Rewards Card

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OCBC VOYAGE Card

OCBC VOYAGE Card

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OCBC NXT Credit Card

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FRANK Credit Card

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OCBC Arts Credit Card

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OCBC Platinum Credit Card

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BEST-OCBC Credit Card

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OCBC Great Eastern Cashflo Credit Card

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Before you apply
  • General disclaimers

    Credit Bureau Singapore

    Please note that additional time may be needed to review your application as Credit Bureau of Singapore will be synchronising data from 12am to 8am daily.


    Myinfo

    Myinfo will be temporarily unavailable from 2am to 8.30am every Wednesday and Sunday due to scheduled maintenance.


    System Maintenance

    Please note that your product may not be availed to you instantly during system maintenance hours between 9.30pm to 6am.


    OCBC EasiCredit

    Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$100,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.


    Mobile Payments

    Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google LLC. All other third party company, product, and service names mentioned herein are marks, trademarks, registered trademarks or service marks of the respective owners.


    Referral Consent

    By submitting this application, you agree that the Bank can disclose your credit card application status to third parties, including the OCBC Group employee who referred you to apply for this credit card.

Faqs
Common Questions
More questions and answers
Why should I use Myinfo to complete my application?

Myinfo contains Singapore government verified information on you, which you can allow banks to use in support of your application. By using Myinfo, majority of the fields in the application form will be auto-populated with this information, thereby shortening the entire application process including providing you with an almost immediate application outcome.

What are the system downtimes and how will I be impacted by it?

Daily from 9.30pm to 6am, as well as on Sundays and Public Holidays (specifically for ExtraCash Loans), you may receive an approved status confirmation but not receive the SMS and email notifications that carry the link to the details of the newly applied product, nor will you be able to see the newly approved product in Internet Banking.

Also, daily from 5am to 6am, and from 12am to 7am at the end of each month, due to the maintenance of Credit Bureau of Singapore’s system, you will not be able to get an instantaneous outcome on your application for an unsecured credit card or loan/line application.

What can my digital card be used for? Are there any restrictions that come along with using my digital card?

Your digital card can be used for online and in-app purchases, recurring payments (e.g. Great Eastern policy premiums and on mobile wallet like Apple Pay, Samsung Pay and Android Pay.)

Note that for your safety, the bank will decline digital card transactions whereby the eCommerce merchants do not request for your digital CVV (the 3 digits beside the signature panel at the back of the card image).

To transact at these merchants, you will need to first activate your physical card.

How can I use my EasiCredit account immediately if I have not received my ATM card yet?

You can log in to your Online Banking account and use PayNow to transfer daily up to SGD 1,000 from your EasiCredit account to PayNow registered user of your choice.
Instructions on this arrangement is also available in the email that is sent to you upon application approval.

More questions and answers

If your online application is completed and approved before 12:30pm, the credit card will be couriered to you between 6:30pm to 9:30pm on the same day. Otherwise, you will receive it via mail within 5 working days from the date of approval.

The EasiCredit promotional 6% p.a. interest rate will be accorded through the means of cashback, and will not apply to balances on Balance Transfer or Cash-on-Instalment.

For instance, if you are charged S$50 of interest in May, we will refund S$35.65 = [S$50/20.9*(20.9-6)], resulting in a net interest of S$14.35 after the cashback. Do note that the minimum interest charge of S$5 a month will still apply.

EasiCredit

Get a standby line of credit with flexible repayment options

Borrow up to 6x your monthly salary, depending on your annual income

Withdraw what you need at 0.06% per day or 22.90% per annum

Min. repayment of 3% of outstanding amount or S$50 per month (whichever is higher)

Apply now

Eligibility

Minimum Age
21 and above
Annual Income
S$20,000 and above for Singaporeans and Singapore PRs S$45,000 and above for foreigners

Interest rates for annual income S$120,000 and above

Prevailing interest rate
22.90% p.a.
Minimum repayment1
3% of outstanding amount OR S$50 (whichever is higher)
Maximum credit limit
Up to 6x monthly salary

Interest rates for annual income S$30,000 to S$119,999

Prevailing interest rate
22.90% p.a.
Minimum repayment1
3% of outstanding amount OR S$50 (whichever is higher)
Maximum credit limit
Up to 4x monthly salary

Interest rates for annual income S$20,000 to S$29,000

Prevailing interest rate
29.8% p.a.
Minimum repayment1
5% of outstanding amount OR S$50 (whichever is higher)
Maximum credit limit
Up to 2x monthly salary

Terms and conditions governing Personal Line of Credit Accounts

1The monthly minimum repayment amount shall include any amounts above your approved credit limit and any overdue payments in respect of the Account. The monthly minimum repayment amount is not applicable to Cash-on-Instalments.

ExtraCash loan

Get an affordable loan with your choice of loan tenure

Borrow up to 6x your monthly salary, depending on your annual income

Choose your loan tenure from 12-60 months

Interest rates starting from 10.08% p.a. (EIR from 10.96% p.a.) onwards, with processing fee as low as 2%

Apply now

Eligibility

Minimum Age
21 and above
Annual Income
S$20,000 and above for Singaporeans and Singapore PRs S$45,000 and above for Foreigners

Interest rates for annual income S$120,000 and above

Approved loan amount
Up to 6x monthly salary
Processing Fee
S$200 or 2% of the approved loan amount, whichever is higher
Interest Rate
10.08% p.a. (EIR from 10.96% p.a.)

View the full interest rates

Interest rates for annual income S$30,000 to S$119,999

Approved loan amount
Up to 4x monthly salary
Processing Fee
S$200 or 2% of the approved loan amount, whichever is higher
Interest Rate
10.08% p.a. (EIR from 10.96% p.a.)

View the full interest rates

Interest rates for annual income S$20,000 to S$29,000

Approved loan amount
Up to 2x monthly salary
Processing Fee
S$100
Interest Rate
22% p.a. (EIR from 23.10% p.a.)

View the full interest rates

Terms and conditions governing OCBC ExtraCash Loan

Fees

Late Fee
S$80
Early partial/full repayment fee
3% of amount to be repaid (S$1,000 minimum repayment)
Interest Rate
3% of outstanding loan amount

Are you an OCBC cardmember?

No, I'm new to OCBC1 

Yes, I'm an existing OCBC cardmember2 

1 I have not had an OCBC credit card in the last 6 months.
2 I have/have had an OCBC credit card in the last 6 months.

No, I'm new to OCBC1 

Yes, I'm an existing OCBC cardmember2 

1 I have not had an OCBC credit card in the last 6 months.
2 I have/have had an OCBC credit card in the last 6 months.

You are now applying for the OCBC VOYAGE Card

An Annual Membership fee of S$492.50 (incl. GST) will be charged upon card approval and it is not waivable.

To apply for the OCBC Premier, Premier Private Client or Bank of Singapore VOYAGE Card, please approach your Relationship Manager or get us to contact you.

Do you want to include NTUC-OCBC Starter Account?

From 1 Sep 2019, earn higher interest of up to 1% of your savings without any initial deposit or monthly service fee.

Plus, enjoy S$20 cash credit if this is your first OCBC deposit account.

  • Limited to first 600 new OCBC deposit account holders who apply through an online self-served channel every month.
  • Valid till 31 Dec 2019

T&Cs apply.


Yes, include I just need a card

Do you want to include Plus! Savings Account?

Earn higher interest of up to 0.15% on your savings without any initial deposit or monthly service fee.

Plus, enjoy S$20 cash credit if this is your first OCBC deposit account.

  • Limited to first 600 new OCBC deposit account holders who apply through an online self-served channel every month.
  • Valid till 31 Dec 2019

T&Cs apply.


Yes, include I just need a card

Choose the card you want

card
OCBC 90°N Mastercard:
Select 
card
OCBC 90°N Visa Card:
Select 

Choose a sign-up reward

gift1-miles
Up to 55,000 miles1
(worth a return trip to Tokyo/Seoul)
Choose this reward 
gift2-samsonite
[FULLY REDEEMED] Samsonite STEM Spinner 28" TRUNK1
(worth S$650)

1Eligibility is subject to all qualifying conditions.

Select your card color


card
Select
card
Select

OCBC 90°N Card

card
Apply now

New OCBC Cardmembers

  • S$50 cash rebate upon approval
  • Additional 7,000 miles when you spend S$5,000 in the first 3 months

Existing OCBC Cardmembers

  • Get 3,000 miles when you spend S$5,000 in the first 3 months
OCBC 365 Credit Card

Get the most out of your every day spending

Enjoy 2x more cashback of up to S$160 a month (S$1,920 per year)

Enjoy 3% cashback on Watsons, streaming and EV charging

Enjoy 5% cashback on dining and food delivery

Apply  now Add card Remove
card

Eligibility

Minimum Age
21 and above
Annual Income
S$30,000 and above for Singaporeans and Singapore PRs S$45,000 and above for foreigners

Fees

Principal Card
S$196.20 (including GST), waived for the first two years
Supplementary Card
S$98.10 (including GST), waived for the first two years
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000, starting from the month in which your OCBC 365 Credit Card was issued
Other fees and charges apply.
To enjoy the above cashback, you need to spend a minimum of S$800 based on posted transactions in a calendar month. If you spend less than S$800, a flat 0.25% cashback is awarded.
Cashback amount is capped at S$160 per calendar month.
OCBC 90°N CARD

Accelerated miles and rebates on your travel and everyday spend

2.1 Miles per S$1 on foreign currency spend (Miles will be awarded as 90°N Miles in blocks of S$5 per transaction)

1.3 Miles per S$1 on local spend

Miles never expire

Apply now Add card Remove
OCBC 90°N CARD

Eligibility

Minimum age
21 and above
Annual income
S$30,000 and above for Singaporeans and Singapore PRs
S$45,000 and above for foreigners

Fees

Principal Card
S$196.20 (including GST), waived for the first year
Principal cardholders who pay the Annual Service Fee in 2024 will earn 10,000 bonus 90°N Miles.
Supplementary Card
S$98.10 (including GST), waived for the first year
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000
Other fees and charges apply.
OCBC Rewards Card

More rewards on local and overseas shopping

Earn 15 OCBC$ for every S$1 spent at selected popular retailers (new ones every three months!)

Earn 10 OCBC$ (equivalent to a 2.78% cash rebate or 4 air miles) for every S$1 spent in certain retail categories – both online and in stores

Exchange OCBC$ for cash rebates, air miles, vouchers, products or experiences

Get a bonus 2% cash rebate when you purchase electronics at BEST Denki

Apply now Add card Remove
card

Eligibility

Minimum Age
21 and above
Annual Income
S$30,000 and above for Singaporeans and Singapore PRs S$45,000 and above for foreigners

Fees

Principal Card
S$196.20 (including GST), waived for the first two years
Supplementary Card
S$98.10 (including GST), waived for the first two years
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000
Other fees and charges apply.
OCBC NXT Credit Card

Split any payment, anywhere. On anything

Interest-free auto-instalments

Ease of split payments across 3 or 6 months

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

Apply  now Add card Remove
OCBC NXT Card

Eligibility

Minimum Age
21 and above
Annual Income
S$30,000 and above for Singaporeans and Singapore PRs S$45,000 and above for foreigners

Fees

Principal Card
S$163.50 (including GST), waived for the first two years
Supplementary Card
S$81.75 (including GST), waived for the first two years
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000, starting from the month in which your OCBC NXT Credit Card was issued
Other fees and charges apply.
OCBC INFINITY CASHBACK CARD

Earn cashback – to infinity – on everything you need, want and love

1.6% in cashback all year round

No minimum spending required or limit to the cashback you can earn

Cashback credited automatically

Apply now Add card Remove
OCBC NXT Card

Eligibility

Minimum Age
21 years old
Annual Income
S$30,000 and above for Singaporeans and Singapore PRs
S$45,000 and above for foreigners

Fees

Principal Card
S$196.20 (including GST), waived for the first year
Supplementary Card
S$98.10 (including GST), waived for the first year
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000, starting from the month in which your OCBC INFINITY Cashback Card was issued
Other fees and charges apply.
FRANK Credit Card

Unlock your world: Earn cashback when you add to cart

8% cashback on foreign currency transactions and online/contactless mobile transactions in SGD

Extra 2% cashback at selected green merchants

0.3% cashback on other eligible transactions

Apply now Add card Remove
card

Eligibility

Minimum Age
21 and above
Annual Income
S$30,000 and above for Singaporeans and Singapore PRs S$45,000 and above for foreigners

Fees

Principal Card
S$196.20 (including GST), waived for the first two years
Supplementary Card
S$98.10 (including GST), waived for the first two years
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000
Total monthly cashback is capped at S$100, with a minimum monthly spend of S$800.
Other fees and charges apply.
OCBC Arts Credit Card

Discounts & priority bookings for the latest in the Arts scene

Up to 20% off on show tickets

15 OCBC$ per S$5 spent on SISTIC purchases*

Priority bookings for selected shows

*OCBC$ will be awarded for every S$5 spent on a per transaction basis. Find out more about OCBC$.

*OCBC$ will be awarded for every S$5 spent on a per transaction basis. Find out more about OCBC$.

Apply  now Add card Remove
card

Eligibility

Minimum Age
21 and above
Annual Income
S$30,000 and above for Singaporeans and Singapore PRs S$45,000 and above for foreigners

Fees

Principal Card
S$163.50 (including GST), waived for the first two years
Supplementary Card
S$81.75 (including GST), waived for the first two years
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000
Other fees and charges apply.
OCBC Platinum Credit Card

Enrichment courses, recreation and shopping for the family

5 OCBC$ per S$5 spent*

Travel deals from Expedia and more

Dining deals for every occasion

*OCBC$ will be awarded for every S$5 spent on a per transaction basis. Find out more about OCBC$.

Apply  now Add card Remove
card

Eligibility

Minimum Age
21 and above
Annual Income
S$30,000 and above for Singaporeans and Singapore PRs S$45,000 and above for foreigners

Fees

Principal Card
S$163.50 (including GST), waived for the first two years
Supplementary Card
S$81.75 (including GST), waived for the first two years
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000
Other fees and charges apply.
BEST-OCBC Credit Card

Enjoy great savings on electronics & appliances

3% cash rebates for in-store spend

Up to 2.5% rebates annually

Members-only sales and events

Apply  now Add card Remove
card

Eligibility

Minimum Age
21 and above
Annual Income
S$30,000 and above for Singaporeans and Singapore PRs S$45,000 and above for foreigners

Fees

Principal Card
S$163.50 (including GST), waived for the first two years
Supplementary Card
S$81.75 (including GST), waived for the first two years
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$5,000
Other fees and charges apply.
OCBC Great Eastern Cashflo Credit Card

Up to S$200 rebates plus split your payments at 0% interest

0.3% cash rebate with monthly bill below S$1000

1.2% cash rebate with monthly bill of S$1000 and above

Apply now Add card Remove
card

Eligibility

Minimum Age
21 and above
Annual Income
S$30,000 and above for Singaporeans and Singapore PRs S$45,000 and above for foreigners

Fees

Principal Card
S$163.50 (including GST), waived for the first two years
Supplementary Card
S$81.75 (including GST), waived for the first two years
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$5,000
Rebates are capped at S$200 per month.
Other fees and charges apply.
OCBC 90°N Visa Card

Accelerated miles and rebates on your daily spend

2.1 Miles per S$1 on foreign currency spend (Miles will be awarded as 90°N Miles in blocks of S$5 per transaction)

1.3 Miles per S$1 on local spend

Miles never expire

Apply  now Add card Remove
OCBC 90°N Visa Card

Eligibility

Minimum age
21 and above
Annual income
S$30,000 and above for Singaporeans and Singapore PRs
S$45,000 and above for foreigners

Fees

Principal Card
S$196.20 a year (including GST), waived for the first year
Supplementary Card
S$98.10 (including GST), waived for the first year
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000
Other fees and charges apply.
OCBC 90°N Mastercard

Accelerated miles and rebates on your travel and everyday spend

2.1 Miles per S$1 on foreign currency spend (Miles will be awarded as 90°N Miles in blocks of S$5 per transaction)

1.3 Miles per S$1 on local spend

Miles never expire

Apply  now Add card Remove
OCBC 90°N Visa Card

Eligibility

Minimum age
21 and above
Annual income
S$30,000 and above for Singaporeans and Singapore PRs
S$45,000 and above for foreigners

Fees

Principal Card
S$196.20 a year (including GST), waived for the first year
Supplementary Card
S$98.10 (including GST), waived for the first year
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000
Other fees and charges apply.
OCBC VOYAGE CARD

Go further with less limitations

Earn 2.2 VOYAGE miles with every S$1 spent in foreign currency, 1.3 VOYAGE miles per S$1 on local spend*

No expiry of miles

Redeem flights on any airline, anytime, with no blackout dates

* VOYAGE miles will be awarded for every S$5 spent on a per transaction basis. Find out more about VOYAGE miles.

Apply now Add card Remove
card

Eligibility

Minimum Age
21 and above
Annual Income
S$120,000 and above
  • OCBC Premier VOYAGE Card is exclusive to OCBC Premier Banking customers only
  • OCBC Premier Private Client VOYAGE Card is exclusive to OCBC Premier Private Client customers only
  • Bank of Singapore VOYAGE Card is exclusive to Bank of Singapore clients only

Fees

Principal Card
S$498.00 (including GST)
You will earn 15,000 VOYAGE Miles each time you pay the Annual Service Fee.
Supplementary Card
S$191.00 (including GST)
Annual Service Fee for up to 2 supplementary cards is waived for the first year.
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$60,000
Other fees and charges apply.

Select a card to proceed

OCBC YES! Debit Card

All-in-one debit card

1% rebate on eligible merchants across transport, online spend, convenience stores and fast food

Tap for convenience with Visa PayWave

Withdraw cash worldwide

Apply now
card

Eligibility

Minimum Age
16 and above
Annual Income
No minimum income

Fees

Annual Fee
S$20 (Waived perpetually for new cards approved from 1 November 2012)
Replacement card fee
S$20 (for lost or stolen card only)
Overseas ATM Cash Withdrawal Service Charge
3% of the transaction amount (Min S$5 and Max S$20)
Rebates are valid with a minimum monthly spend of S$400.
Other fees and charges apply.
OCBC Debit Card

The card that gives you limitless cashback

Earn unlimited 1% cashback on your daily Visa spending in selected categories

Apply now
card

Eligibility

Minimum Age
16 and above
Annual Income
No annual income required

Fees

Annual Fee
S$0
Replacement card fee
S$20 excluding GST (for lost or stolen card only)
Overseas ATM Cash Withdrawal Charges
3% of the transaction amount, subject to a minimum of S$5 and maximum of S$20. There is no charge if you withdraw money from OCBC ATMs overseas.
Cashback is valid with a minimum monthly spend of S$500.
Other fees and charges apply.
Frank Debit Card

A stylish card with cashback

1% cashback on your daily Visa Spend for selected categories

Choose from 6 free exclusive card designs

Enjoy more payment and usage convenience

Apply now
card

Eligibility

Minimum Age
16 and above
Annual Income
No annual income required for Singaporeans, Singapore PRs and foreigners

Fees

Annual Fee
Not applicable
Replacement card fee
Waived
Other fees and charges apply.