The OCBC Cashflo card (the OCBC Great Eastern Cashflo Credit Card) is built for one job: smoothing out your cash flow. Set a Trigger Amount when you apply and every transaction at or above it gets split into a 0% interest instalment plan by itself, with no forms and no asking. The default trigger is S$100, so a S$240 dinner becomes three monthly chunks of S$80 at no extra cost. On top of that you earn a cash rebate of 0.3% to 1.2%, capped at S$100 a month. It is one of the few Singapore cards where stretching a payment costs you nothing, but the low rebate ceiling and a quiet annual fee mean it is not for everyone. Below is exactly how the mechanics work, the real 2026 fees, and the spender profile it actually rewards.
It is an auto-instalment cashback card. Instead of you paying the full statement balance each month, qualifying purchases are automatically converted into equal monthly instalments at 0% interest, while you still collect a small cash rebate on what you spend. The product is co-branded with Great Eastern, so its full name on OCBC's site is the OCBC Great Eastern Cashflo Credit Card.
The pitch is timing, not free money. A normal cashback card pays you more (3% to 8% on bonus categories), but you settle the bill in full the next month. The Cashflo card pays less rebate and instead lets you spread a lump-sum cost across three or six months without the 27.78% per annum interest a regular card would charge on an unpaid balance. If you have ever wanted to avoid a debt spiral after a big one-off purchase, that is the gap this card fills. To see what those balances would otherwise cost you, run the numbers through our compound interest calculator.
The core mechanic is the Trigger Amount. You nominate it when you apply, with a default of S$100. Any single transaction that hits or exceeds your Trigger Amount is automatically broken into instalments; anything below it is billed normally as a one-time charge. You can raise the trigger later by calling OCBC at 1800 363 3333 if you only want larger buys to be split.
The tenor is fixed by the transaction size, not chosen at checkout:
The Cashflo card pays a tiered cash rebate based on your total eligible retail spend in a statement month:
| Monthly eligible spend | Rebate rate | Example monthly rebate |
|---|---|---|
| Below S$1,000 | 0.3% | S$500 spend = S$1.50 |
| S$1,000 and above | 1.2% | S$1,000 spend = S$12.00 |
| S$8,333 and above | 1.2% (capped) | S$100 (the monthly ceiling) |
Because the cap is S$100 a month and the top rate is 1.2%, the rebate maxes out at about S$8,333 of monthly spend. Spend more than that and the extra earns nothing. Great Eastern Life and General Insurance premiums are excluded from the spend that earns the rebate, even though you can still split them into instalments. So the card rewards a steady mid-range spender, not a high roller.
Worth comparing against a category card to feel the trade-off. Put S$1,500 of monthly spend on the Cashflo and you earn S$18 in rebate. The same S$1,500 on a 6% dining or transport card, if it all fell in the bonus category, could pay roughly S$90. The Cashflo is not trying to win that race. Its value is the S$1,500 you did not have to find in one go, because the qualifying chunks were spread over three or six months at zero cost.
The 0% headline hides a few costs you should price in before applying. These are OCBC's published figures as of June 2026; always check the latest fees sheet, because banks revise them.
| Item | Amount / requirement |
|---|---|
| Annual fee (principal) | S$163.50 incl. GST, waived for first 2 years |
| Annual fee (supplementary) | S$81.75 incl. GST, waived for first 2 years |
| Fee waiver after year 2 | Spend S$5,000 a year to auto-waive |
| Minimum age | 21 years old |
| Min. income (Singaporean / PR) | S$30,000 a year |
| Min. income (foreigner) | S$45,000 a year |
| Interest on unpaid balance | 27.78% p.a. (rises to 30.78% if you miss the minimum payment) |
| Late payment fee | S$100 |
| Foreign transaction fee | About 3.25% (1% card scheme + 2.25% bank admin) |
| Interest-free period | 23 calendar days |
An auto-instalment plan is still a debt schedule. Each month your statement shows that month's instalment slice plus any normal charges, and you must pay at least the minimum (S$50 or 3% of the balance, whichever is higher) by the due date. Miss it and you trigger the S$100 late fee, and any outstanding balance starts accruing interest at 27.78% per annum, which obliterates the value of the 0% plan many times over.
There is also a discipline trap. Splitting everything into thirds makes each purchase feel cheap, so it is easy to overspend and end up juggling several overlapping instalment streams. If you already struggle to clear your card in full, fix that first. A flat-rate cashback card like the UOB One or a no-cap option like the OCBC INFINITY Cashback pays more when you settle on time, and our cashback cards guide compares the field.
Match the card to your situation rather than the marketing. It earns its keep in a narrow set of cases.
Before you split a big purchase, sanity-check it against your monthly plan with the personal budget calculator so three months of instalments do not crowd out your other commitments.
Yes, the auto-instalment plans carry 0% interest for the 3, 6 or 12-month tenors. The 0% only holds if you pay each instalment on time. Any balance left unpaid past the due date is charged 27.78% per annum, and a missed minimum payment adds a S$100 late fee.
The Trigger Amount is the threshold above which a purchase is automatically split into instalments. The default is S$100, meaning any single transaction of S$100 or more is auto-converted. You can raise it by calling OCBC if you only want larger purchases to be instalment-ed.
It pays 0.3% cash rebate if your eligible monthly spend is below S$1,000, and 1.2% if it is S$1,000 or more, capped at S$100 a month. Great Eastern insurance premiums are excluded from rebate-earning spend, so the rebate is best seen as a small bonus on top of the cash-flow feature.
You must be at least 21 years old. Singaporeans and PRs need a minimum annual income of S$30,000, while foreigners need at least S$45,000. The principal annual fee is S$163.50 (incl. GST), waived for the first two years, after which S$5,000 of annual spend keeps it waived.
This is general financial information for Singapore, not personal financial advice. Figures change — verify current rates against the official sources above before acting. See our full disclaimer.