Up to 1.2% Cash Rebate

if monthly bill is above S$1,000

14%

Savings at Esso

16%

Onsite Discount at Caltex

All Details

• Key Features

  • Enjoy interest-free instalments

  • Earn up to 1.2% cash rebate every month

  • Stretch payments across 3, 6, or 12* months with 0% interest

  • 2 years fee waiver, subsequent years waived with min. spend S$10,000 p.a.

Petrol

Very Good

Best for: Petrol transactions at Esso & Caltex

• 14% discount at Esso stations - 5% Esso site discount + 5% Smiles card discount + 4% OCBC card discount

• 16% upfront discount at Caltex stations, includes station onsite discount and OCBC card discount

Bill Payment

Good

• Earn 0.3% cash rebate if your monthly billed amount of eligible retail spend (excluding GE Life and GE General Insurance Premiums) is below S$1,000

• Earn 1.2% cash rebate if your monthly billed amount of eligible retail spend (excluding GE Life and GE General Insurance Premiums) is S$1,000 and above, capped at S$100 a month.

• Enjoy hassle-free payments when you automatically split your bills into 3, 6 or 12-month instalments.

• Enjoy interest-free instalments

• Split your bills over up to 12 months (1% processing fee applies) for eligible GE Life and GE General Insurance premiums*

• For all other payments, split across 3 months for transactions between S$100 and S$1,000, or across 6 months for transactions of S$1,000 and above.

Cash Back

Good

• Earn 0.3% cash rebate if your monthly billed amount of eligible retail spend (excluding GE Life and GE General Insurance Premiums) is below S$1,000

• Earn 1.2% cash rebate if your monthly billed amount of eligible retail spend (excluding GE Life and GE General Insurance Premiums) is S$1,000 and above, capped at S$100 a month.

Annual Interest Rate and Fees

Annual Principal Fee	S$163.50
Supplementary Annual Fee	S$81.75
Fee Waiver	Available
Interest Free Period	23 days
Annual Interest Rate	27.78%
Late Payment Fees	S$80
Minimum Monthly Repayment	3% or S$50, whichever is higher
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	6% or S$15, whichever is higher
Overlimit Fee	N/A

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$45,000

Card Association

Mastercard

Wireless Payment

Apple Pay
Samsung Pay
Google Pay