You can activate Credit and Debit card via OCBC the following channel:

Via OCBC app

1. Log in to OCBC app.
2. Tap on the “More” icon in the bottom navigation bar
3. Tap on “Card services”.
4. Select "Activate card"
5. Select “Activate credit/debit card”
6. Select your cards and enter the expiry date of the card to activate.
7. Tap on “Next” button
8. Tap on “Agree” button after reviewing the Term and Conditions
9. Tap on “Submit” button after reviewing the card activations.

Via OCBC Internet Banking

1. Log in to OCBC Internet Banking with your access code and PIN
2. Scroll over “Customer Service” then “Card services” and select “Activate credit/debit card”
3. Select your cards and enter the expiry date of the card. Check the Term and conditions
4. Tap on “Next” button
5. Tap on “Submit” button after reviewing the card activations.

Alternatively you can use card activation form here

Please refer to the Overseas Usage Guide to find out how to activate or deactivate your card(s) for overseas cash withdrawal or overseas purchases.

You can raise credit card transaction dispute via OCBC Internet Banking.

OCBC Internet Banking

1. Log in to OCBC Internet Banking with your access code and PIN
2. Scroll over "Customer Service" then "Card services" and select "Dispute credit card transaction"
3. Select your card and transaction to dispute.
4. Select 'reason' for your dispute and submit necessary information/attach supporting documents to submit your dispute.

OCBC app

1. Log in to OCBC app.
2. Tap on the “More” icon in the bottom navigation bar
3. Tap on "Card services".
4. Select "Dispute transactions".
5. Select your card and transaction to dispute.
6. Indicate your reason for dispute and submit necessary information/attach supporting documents to submit your dispute.

Learn more about card fraud and dispute resolution with these FAQs from ABS

1. Credit Card Chargeback & Dispute Resolution
2. Mobile Malware

Alternatively you may follow these steps to raise a dispute:

1. To raise a dispute on your credit or debit card transactions, print and complete the Dispute Declaration Form
2. Attach relevant supporting documents (if applicable)
3. Email or mail the completed Dispute Declaration Form to the Bank

Unauthorised transactions should be reported to the Bank within 7 days upon receiving Cards statement, or immediately upon receiving SMS notification alerts for the unauthorised transaction. The Bank will require you to submit the necessary information or supporting documents. The Bank will assist you to report the unauthorised transactions to the associations e.g. Visa or Mastercard in accordance with their respective rules. The fraud-related dispute rules relating to unauthorised transactions has a limit of up to 35 claims for Visa Cards and up to 15 claims for Mastercard Cards. There is no dispute rights for fully authenticated transactions such as transactions with One Time Password input. All decisions are subject to the respective association's sole discretion. The information on limits is correct as at November 2019.

Credit Card Fee Waiver

To submit a credit card fee waiver request, please use any of the following options:

Via OCBC Internet Banking

1. Login to OCBC Internet Banking
2. Go to "Customer Service"
3. Select “Request credit card fee waiver“
4. Select the respective card that requires a fee waiver request

Login via OCBC app

1. Tap on the “More” icon in the bottom navigation bar
2. Tap on "Card services"
3. Select “Request fee waiver"
4. Select the respective card that requires a fee waiver request

Via Phone Banking

1. Have your credit card ready
2. Call us and when prompted, and say "credit card fee waiver"
3. Key in your 16-digit card number when prompted

Your waiver request is subject to approval. You will be notified on the outcome immediately.

1. How do I lock/unlock my ATM/credit/debit card via the OCBC app?

   • Launch and login to the OCBC app
   • Tap on the “More” icon in the bottom navigation bar
   • Tap on “Card services”
   • Tap on “Lock / unlock card”
   • Choose the card that you wish to lock / unlock and tap on the toggle button accordingly

2. Which of my cards can I lock/unlock on the OCBC app?

   You can choose to lock/unlock your ATM/credit/debit card on the OCBC app.

3. Can I use my card if it is locked?

   No, you will need to unlock your card before you can use your card again.

4. How fast does it take for my card to be locked/unlocked?

   It will take approximately 5 to 10 seconds to lock / unlock the relevant card. Your request is fulfilled real-time and this service is available 24 hours a day and 7 days a week.

5. Can any card transactions be made if my card is locked?

   You will not be able to use your card, and any recurring payments previously set up will not be made, until your card is unlocked. However, if your card has been added to “Apple Pay”, “Google pay” or “Samsung Pay” before it is locked, you will still be able to continue using your mobile device to charge contactless payments to your card account via “Apple Pay”, “Google pay” or “Samsung Pay”.

6. Can the principal credit card holder lock/unlock his/her supplementary credit card?

   Yes, the principal cardholder can directly lock/unlock supplementary cards issued under his/her principal card. Supplementary cardholders can lock/unlock his/her supplementary cards but NOT the principal card of the principal cardholder.

7. Can I make payment for outstanding balances under my card when it is locked?

   Yes, payments for outstanding balances under your card can still be processed when it is locked.

1. How do I report my lost/stolen ATM/credit/debit card via the OCBC app?

   • Launch and login to the OCBC app
   • Tap on the “More” icon in the bottom navigation bar
   • Tap on “Card services”
   • Tap on “Report lost card”
   • Choose the card which is lost/stolen and follow the steps accordingly

2. Which of my cards can I report lost on the OCBC app?

   You can choose to report your lost ATM/credit/debit cards on the OCBC app.

3. Can I make payment for outstanding balances under my card after it is reported lost?

   Yes, payments for outstanding balances under your card can still be processed after it is reported lost.It will take approximately 5 to 10 seconds for your card to be blocked after it is reported lost and your card will be cancelled immediately. This service is available 24 hours a day and 7 days a week.

4. How fast does it take for my card to be locked/unlocked?

   It will take approximately 5 to 10 seconds to lock / unlock the relevant card. Your request is fulfilled real-time and this service is available 24 hours a day and 7 days a week.

5. Can any card transactions be made after my card is reported lost?

   Do not worry, once you have reported your lost card, it will take approximately 5 to 10 seconds for your card to be blocked and thereafter all transactions will be declined.

6. Can the principal credit card holder report the loss of his/her supplementary credit card?

   Yes, the principal cardholder can report the loss of supplementary cards issued under his/her principal card. Supplementary cardholders can report the loss of his/her supplementary cards but NOT the principal card of the principal cardholder.

7. I reported the loss of my card, but I have now found it. Can I unlock the card via OCBC app?

   No, you will not be able to unlock the card once it is reported as lost as it has been cancelled to safeguard it from unauthorised usage. Please request for a replacement card if you have not done so via the OCBC app.

1. How do I replace my ATM/credit/debit card via the OCBC app?

   • Launch and login to the OCBC app
   • Tap on the “More” icon in the bottom navigation bar
   • Tap on “Card services”
   • Tap on “Replace card”
   • Choose the card that you would like to replace
   • Select a reason from the following and review your mailing address before submitting your request:

     - I lost my card

     - My card was damaged / faulty

     - I want to change the name on my card

     - My card was retained by ATM

2. Which of my cards can I replace via the OCBC app?

   You can choose to replace your ATM/credit/debit cards on the OCBC app.

3. Can the principal credit card holder request for the replacement of his/her supplementary credit card?

   Yes, the principal cardholder can request for the replacement of supplementary cards issued under his/her principal card. Supplementary cardholders can request for the replacement of his/her supplementary cards but NOT the principal card of the principal cardholder.

4. Can I replace my card via the OCBC app anytime?

   You can replace your card via the OCBC app between 6am to 9pm Singapore time daily. However, FRANK debit & credit card replacements are not available on Sundays and Public holidays. For urgent requests, please call us at 1800 363 3333 and we can assist you.

5. How long does it take to receive my replacement card?

   You will receive your replacement card within 3 to 5 working days from the date of your request for the replacement card.

6. I am unable to view my card under the ‘Card Replacement’ service. What should I do now?

   We apologize for the inconvenience caused. Please call us at 1800 363 3333 so that we may assist you.

1. How can I cancel my card?

   Via the OCBC app

   1. Log in > Tap ‘More’ at the bottom navigation bar
   2. Navigate to ‘Card services’
   3. Choose ‘Cancel card’
   4. Choose the card you wish to cancel

   Via OCBC Internet Banking

   1. Log in > Click on ‘Customer Service’
   2. Choose ‘Cancel card’
   3. Choose the card you wish to cancel

   If you wish to cancel your ATM/debit card, OCBC VOYAGE Credit Card, 90N Credit Card or your only credit card with us, please call 1800 363 3333 or +65 6363 3333 (if overseas).

2. How do I make payment for the outstanding balance in my credit card after it is cancelled?

   Payment methods	Processing time
   At an OCBC ATM At an OCBC Cash Deposit Machine Via the OCBC app or Internet Banking Via Phone Banking	Payment is processed immediately.
   Interbank GIRO	Funds will automatically be deducted on the payment due date from the bank account indicated in your InterBank GIRO application form. Please ensure that there are sufficient funds in the account at least one day before the payment due date.
   FAST transfer using any participating bank’s online banking platform	Payment is processed almost instantly. Refer to the Association of Banks in Singapore’s website for a list of participating banks.
   Cheque Must be crossed and made out to ‘OCBC Bank’ Must not be future dated	Three working days after we receive the cheque. You may drop the cheque into our Quick Deposit boxes at any OCBC branch in Singapore or mail it to us. Please click here to download an envelope.
   Cash payment at any OCBC branch	Payment is processed within the same day.
   At an AXS station Via the AXS m-Station app Via AXS e-Station (access this via browser on your desktop)	Payments made by 11.59pm are processed within the same day. Payments made after 11.59pm will be processed the next day. Remember to pay the bill for each card account separately.
   NETS or cashcard at iNets Kiosks	Payments made before 5pm are processed within the same day. Payments made after 5pm will be processed the next day. Remember to pay the bill for each card account separately.
   Via another bank’s internet banking service	Up to three working days.

3. Once my card is cancelled, what will happen to the recurring bills (e.g. GIRO arrangement) and instalment plans linked to it?

   Any recurring bills or standing instructions linked to your card will be cancelled. Please make alternative arrangements to avoid disruption.

   Any outstanding amount, including early repayment fees, for instalment plans like OCBC PayLite and Cash-On-Instalments (COI) will be due immediately. The amount to be paid will be shown in your next statement.

4. What will happen to my reward points (OCBC$, Voyage Miles or 90N Miles) after my card is cancelled?

   Any unused reward points will be forfeited. Please redeem your points before you cancel your card.

   Click here to view and redeem your reward points.

5. I have been charged one or more fees (e.g. Annual Service Fee, late payment fee or finance charge) for my card. Will the fee(s) be waived after I cancel my card?

   You may request that we waive the fee(s) by choosing one of the methods below.

   Via OCBC Internet Banking

   1. Log in > Click on ‘Customer Service’
   2. Choose ‘Request credit card fee waiver’
   3. Choose the card that you wish to waive one or more fees for

   Via the OCBC app

   1. Log in > Tap ‘More’ at the bottom navigation bar > Card services
   2. Choose ‘Request fee waiver’
   3. Choose the card that you wish to waive one or more fees for

   Via Phone Banking

   1. Have your credit card ready
   2. Call 1800 363 3333 or +65 6363 3333 (if overseas) and say ‘credit card fee waiver’ when prompted
   3. Key in your 16-digit card number when prompted

6. After my card is cancelled, where can I see its outstanding amount and retrieve its statements?

   The next statement for your card will show any outstanding amounts you will have to pay.

   To avoid incurring any late charges and/or negatively affecting your credit score, please pay the amount(s) by the due date shown in that statement.

   You may retrieve the statement by choosing one of these methods:

   Via the OCBC app

   1. Log in > Tap ‘More’ at the bottom navigation bar
   2. Navigate to ‘Documents – Statements & Letters’
   3. Tap ‘View documents’
   4. Choose the statement you wish to view

   Via OCBC Internet Banking

   1. Log in to OCBC Internet Banking
   2. Click on ‘View accounts’ > View documents
   3. Choose the statement you wish to view