OCBC FRANK Card

OCBC FRANK Card

2.8
(7)
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Ratings Breakdown (7)

2.8
  • 5
    0
  • 4
    2
  • 3
    3
  • 2
    1
  • 1
    1
Card NameOCBC FRANK Card
Cashback Rate3-6%
Monthly Cashback Cap$60 per month
Monthly Min Spend$400
HighlightsOnline Shopping
More about OCBC FRANK Card
Reviews (7)
Q&A (2)
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  • Zi Song Lim
    Zi Song Lim
    Level 2. Rookie
    Reviewed on 13 Jun 2018
    this is a good card for students, but there are better ones out there when you start working. Hence, get it when you are a student, and then just ignore it once you have better options
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  • ZhanQing Koh
    ZhanQing Koh
    Level 3. Wonderkid
    Reviewed on 09 Jun 2018
    Got this card free a few years back as a student because it was fun. shortly after i graduated, this card lost it's appeal and easily replaced by most other cards in the market.
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  • Junel Seed
    Junel Seed
    Level 3. Wonderkid
    Reviewed on 31 May 2018
    Got this card free a few years back as a student because it was fun and customisable but that was it, rebates were not that great. Could easily be replaced with another card nowadays.
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  • Poay Hoan Ngoh
    Poay Hoan Ngoh
    Level 3. Wonderkid
    Reviewed on 23 May 2018
    OCBC FRANK card WAS one of the best cards in the market for the millennial. However, after they changed their rebate conditions it became a very lousy card. It was fun and interesting to customize the card at first, but that is not enough for me to retain the card, especially with DBS Live Fresh coming into the picture. All the promotions done for this card (i.e. Movie Tickets for every Frank card sign up vs. $20/$100 cash credit for DBS Live Fresh) became lousy or even simply just stopped. Don't bother wasting your time with this card
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  • Steph Yeo
    Steph Yeo
    Level 5. Genius
    Reviewed on 21 May 2018
    This was one of my earliest cards during uni because i thought it was cool to choose a card design. I unfortunately don't shop much both online and offline to reap sufficient benefits, so I've cancelled this card. Nonetheless if you're considering this, can read up on the frank account and their young investors programme.
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  • Goh Kah Kiat
    Goh Kah Kiat
    Level 3. Wonderkid
    Reviewed on 19 May 2018
    Best for online shopping at 6% rebates, but have to meet minimum $400 offline spending. For somebody who does almost all my shopping online, I've moved away from this card.
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Fees and Charges for Frank by OCBC Card

  • Annual Principle Fee: $80
  • Annual Supplementary Card fee: $40
  • Fee waiver: Fee waivered for the first 2 years
  • Interest-Free Period: 23 days
  • Annual Interest Rate: 26.88%
  • Minimum monthly payment: 3% or $50, whichever is higher
  • Late payment charge: $100
  • Cash advance fee: 6% or $15

Eligibility for Frank by OCBC Card

  • Aged 21 and above
  • Singaporeans and PR; Minimum annual income of  $30,000
  • Foreigners; Minimum annual income of $45,000

Key features of Frank by OCBC Card

  • 6% rebate on online shopping
  • Up to 5% cash rebates on cafes, cinemas bars and entertainment
  • 0.3% cash rebates on all other types of spending
  • 2 years fee waiver for principal card, subsequent years waived with a minimum spend of $10,000 in one year, starting from the month after your FRANK credit card was issued.

 

Terms and conditions of Frank by OCBC Card

  • Transactions not eligible for cash rebate include: charitable/religious organisation donations, cleaning, maintenance and janitorial services, real estate agents and bank fees. For the full list and specific conditions, please refer to Frank by OCBC’s T&Cs.
  • To be eligible for cash rebates, cardmembers must spend a minimum of $400 worth of Visa offline transactions on the card in a calendar month.
  • Monthly cash rebates are capped at $60.
  • Please visit the full T&Cs here.

 

For more info, you can check out Frank by OCBC’s page.