OCBC Great Eastern Cashflo Credit Card
Automatic 3 / 6 month instalments for eligible retail purchases, and 12-month instalments for eligible Great Eastern premiums. A 1% processing fee applies to the 12-month premium plan.
Benefits & important limits
- Automatic 3 / 6 month instalments for eligible retail purchases, and 12-month instalments for eligible Great Eastern premiums. A 1% processing fee applies to the 12-month premium plan.
- Eligible billed retail spend below S$1,000 earns 0.3%; S$1,000 and above earns 1.2%, capped at S$100 per month. Great Eastern Life and General Insurance premiums do not earn this cashback.
Fees & repayments
- Principal annual fee (GST included)
- S$163.50
- Fee waiver
- First 2 years waived. Automatic renewal waiver with S$5,000 eligible annual spending.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Singapore citizens / PRs generally need S$30,000 yearly income; the senior route is S$15,000 where listed. Foreign applicants need S$45,000. OCBC lists an Employment Pass and passport with at least six months’ validity, income proof and address documents. Other pass types require specific confirmation.
Principal age: 21+
Application documents ↗Overseas & FX fees
OCBC adds a 2.25% administrative fee to the 1% Visa / Mastercard conversion fee for foreign-currency purchases: 3.25% in total. DCC and overseas SGD processing are separate.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.