OCBC FRANK cashback rate, cap and annual fee
OCBC FRANK pays 8% at foreign currency spend — on the first SGD 310 you spend on it each month, which is where the SGD 25 cap stops it. Nothing at all below SGD 800 of spending a month — SGD 9,600 across a year. The card costs SGD 196.20 a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
OCBC · Singapore · catalogue v117
Read from OCBC's own published terms on 29 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| foreign currency spendtravel | 8.00% | SGD 25reached at SGD 310 of spend8% on foreign currency transactions, online and in store. Needs S$800 of eligible spend in the calendar month. S$25 a month. |
| online in SGDonline and delivery | 8.00% | SGD 25reached at SGD 310 of spend8% on online transactions in SGD, sharing S$25 with mobile wallet payments. Needs S$800 of eligible spend in the calendar month. S$25 a month. |
| mobile wallet in SGDeverything else | 8.00% | SGD 25reached at SGD 310 of spend8% on Apple Pay, Samsung Pay and Google Pay in SGD, sharing S$25 with online spend. Needs S$800 of eligible spend in the calendar month. S$25 a month. |
| bus and train (green merchants)travel | 2.30% | SGD 25reached at SGD 1,100 of spend0.3% plus 2% on bus and train rides at selected green merchants. Needs S$800 of eligible spend in the calendar month. S$25 a month. |
| selected green merchantseverything else | 2.30% | SGD 25reached at SGD 1,100 of spend0.3% plus 2% at EV charging and other selected green merchants. Needs S$800 of eligible spend in the calendar month. S$25 a month. |
| everything else | 0.30% | SGD 25reached at SGD 8,300 of spend0.3% on all other eligible spend, S$25 a month; 0.3% on everything in a month under S$800. |
Questions people ask
What cashback does the OCBC FRANK pay?
8% at foreign currency spend, and 5 other rates.
Is there a cap on the OCBC FRANK?
Yes — SGD 100 a month across the whole card, however you split your spending.
What is the annual fee on the OCBC FRANK?
SGD 196.20 a year.
Is there a minimum spend on the OCBC FRANK?
Yes — SGD 800 a month. Below that the bonus rates do not apply at all, which is the condition most comparison tables leave out.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
Download on the App Store