What are the criteria to earn an annual fee waiver for an OCBC Cashflo Credit Card?

If you target to spend on major event tickets and high price items with the plan to split by instalment then this card is for you. However I notice that if you have an existing OCBC saving account, it makes bill payments much more seamless. And aside from being able to split payment into monthly instalments interest free, you can earn up to 1% rebate on your purchase. Only few cards in the market that allow auto convert spending into interest free instalment and still be entitled to 0.5% or 1% cash rebate.

If you’re looking for a hassle-free shopping card for big purchases, there’s no better option than the OCBC Cashflo Card. This card offers a 0% interest instalment plan that, unlike the competition, does not charge a processing fee and rewards payments of up to 1% rebate which actually the highest on the market.

OCBC Cashflo Card offers a ‘trigger’ system that is set up to automatically split payments at a given threshold. Almost all other cards require you to call ahead and apply before making the purchase however that is not the case with OCBC Cashflo Card which allows you to conveniently shop now and pay later, and even enjoy 1% cashback on instalments.

OCBC Cashflo Card benefits consumers who frequently spend more than they can immediately afford by providing a convenient 0% interest instalment plan and by offering 1% flat rebate after $1,000 monthly spend (0.5% if below). Cardholders can not only enjoy worry-free shopping, they can also earn on most of their expenditures.

Not to sound too familiar but I actually find OCBC Cashflo Card’s instalment plan to be especially convenient. It offers a unique trigger system that permits consumers to make big, spontaneous purchases without calling ahead or waiting for approval. Consumers specify a threshold for which transactions are automatically split into instalments, with duration based on the total transaction amount. Consumers can then split charges as low as S$100 across as little as 3 months.

The OCBC Cashflo Credit Card is very perfect for big spending as it automatically splits the payments into monthly instalments that is paying over a 3 months period when spending $100 to $1,000 or paying over a 6 months period when spending above $1,000. With the help of monthly instalment it turns out I do not have to keep track of my monthly spending in order to meet minimum spending of $500 for additional interest for my saving account.

The Citi SMRT card is a pretty decent card for spending but they unfortunately exclude travel related online merchants. This to me is the downside of the card and may be a reason to get another card for travel websites.

I have had this card for a long while. The good thing with the card is that AMEX have been waiving my annual fees which is probably why I still have the card. The pros with this card include – Great customer service officers that are friendly and will do their best to help you with prompt follow ups, direct credit of miles to your Krisflyer account, many small promos every few months with a fantastic sign up promo, no minimum spending and perfect for concert lovers as AMEX offers priority to provide tickets.

This is my first credit card and I was pleased with the process as the application was absolutely stress free and smooth with customer care service at top notch. I actually felt taken care of and it appeared I could rely on customer care service for virtually any issue. Plus they have a simple tracking system of cashback rewards, with a good App and web UI/UX.

I like the idea that I can receive 40,000 Membership Rewards points when I get to successfully refer any of my friends to the card. Even more so as my friends can also receive 40,000 Membership Rewards points upon spend of S$5,000 in the first 3 months of their Card Membership. I think that is pretty much a win-win situation.

I am a fresh graduate and just started my first job, I signed up for this card due to the onetime $150 cash back reward for $800 spend within the first two months. However for its main monthly rewards, it is nothing to be pleasant about and the hotline is very bad, I even had to hold more than 20 minutes during non-peak hour.

I fancy the OCBC 365 credit because it has cash rebate of $80, but only after you full fill their criteria. They require a minimum spending of $800 per month which in turn earns interest from different spending. This card suits me just fine being that I have broad spending habit and in the process it gives me $80 cash rebates every month. My only dislike is the rebate on the general spending which is 0.3%.