OCBC NXT Credit Card
Eligible transactions of S$100–S$1,000 automatically split over three months; transactions above S$1,000 split over six months at 0% instalment interest. Repay each statement in full to avoid normal card interest.
Benefits & important limits
- Eligible transactions of S$100–S$1,000 automatically split over three months; transactions above S$1,000 split over six months at 0% instalment interest. Repay each statement in full to avoid normal card interest.
- Eligible monthly billed retail amounts below S$1,000 earn 0.5% cashback; S$1,000 or more earns 1%, capped at S$100 monthly. Great Eastern premiums do not earn cashback and a 12-month premium plan has a 1% processing fee.
Fees & repayments
- Principal annual fee (GST included)
- S$163.50
- Fee waiver
- First 2 years waived. Automatic renewal waiver with S$10,000 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.