OCBC Bank

PLEASE NOTE THE FOLLOWING CHANGES GOVERNING THE USE OF YOUR OCBC CREDIT CARD WITH EFFECT FROM 1 APRIL 2012:

Late Payment Charges
With effect from 1 April 2012 Late Payment charges for OCBC Credit Cards (excluding NTUC Plus! Visa Credit Card and Plus! Visa Credit Card) will be revised to S$60. To ensure prompt payment by payment due date, you may wish to pay by interbank GIRO or if you have an OCBC deposit account, you can also make payment via Internet Banking or Phone Banking.

Transactions in Foreign Currencies
With effect from 1 April 2012, the administrative fee for foreign currency transactions on your OCBC Credit Cards (excluding NTUC Plus! Visa Credit Card, Plus! Visa Credit Card and Corporate Cards) will be revised to 1.80% of the transaction amount. For more information, please call 1800-363 3333.

Annual Fees Revision
With effect from 1 April 2012, the annual fees for OCBC Credit Cards will be revised as follows:

^ inclusive of GST

Please note that the following changes governing the use of your OCBC Debit Card will take effect from 11 April 2011:

Principal and Supplementary OCBC Debit Card Usage
With effect from 11 April 2011, the OCBC Debit Cardmembers Agreement will be amended to include, among other things, clauses governing the use of principal and supplementary OCBC debit cards.

Click here for the amended OCBC Debit Cardmembers Agreement.

PLEASE NOTE THE FOLLOWING REMINDER IN RELATION TO NON-EMV MAGNETIC STRIP OCBC CREDIT CARDS AS OF 31 MARCH 2011:

Your non-EMV magnetic strip OCBC Credit Card will be invalid by 31 Mar 2011. We have previously sent you an EMV Smart Chip Credit Card that provides you enhanced security and protection against card fraud. Please destroy the old card immediately and start using the new card. If you have not received your EMV Smart Chip Credit Card, please call our Customer Service Executives at 1800 363 3333.

Please note the following changes governing the use of your OCBC Debit Card with effect from 18 December 2009:

Disclosure of information for OCBC Debit Card

With effect from 18 December 2009, the OCBC Debit Cardmembers Agreement will be updated with regards to clauses pertaining to disclosure of information.

Click here for the latest OCBC Debit Cardmembers Agreement.

Loss/Theft/Misuse of Card/Disclosure of PIN

With effect from 18 December 2009, the cardholders' liability shall be limited to a maximum of $100 for lost or stolen card or if the PIN is disclosed.

Click here for the latest OCBC Debit Cardmembers Agreement.

Debit Card Replacement Fee

With effect from 18 December 2009, the Card Replacement Fee will be revised to S$20 per card for all OCBC Debit Cards.

Please note the following change in relation to Authorised 3rd Party for OCBC Credit Cards with effect from 1 December 2009:

With effect 1 December 2009, only OCBC Principal and Supplementary Cardholders are able to instruct for card replacement for their respective card. This is part of the Bank's effort to increase security for our card members. Please call our Customer Service Executives at 1800 363 3333 for enquiries.

Please note the following changes governing the use of your OCBC CARE Classic Gold Cards with effect from 30 October 2009:

CARE Cards Closure

OCBC CARE Classic & Gold Cards will be discontinued from 30 Oct 09 (extended deadline from 30 Sep 09). For existing Standing Payment Instructions on your CARE Card, e.g. insurance or phone bills, please notify the relevant parties of your alternative payment mode by 30 Oct 09 to avoid any disruption of payment. Sign up for OCBC Arts Platinum Card to enjoy privileges such as free tickets & priority bookings to arts performances. To apply, call 1800 363 3333 or visit www.ocbc.com/ArtsPlatinum. Terms & conditions apply.

Please note the following changes governing the use of your OCBC CARE SAFRA Classic/Gold Cards with effect from 30 September 2009:

SAFRA Cards Closure

OCBC SAFRA Classic and Gold Cards will be discontinued from 30 Aug 09. For Standing Orders on your SAFRA Card, e.g. insurance or phone bills, please notify the relevant parties of your alternative payment mode before 30 Aug 09 to avoid any disruption of payment. Sign up for the OCBC Titanium Card to enjoy privileges on travel, golf, fashion, entertainment and more. To apply, call 1800 363 3333 or visit www.ocbc.com/Titanium. Terms & conditions apply.

Please note the following changes governing the use of your OCBC Credit Card with effect from 1 June 2009:

Revision in Interest Charges

With effect from 1 June 2009, if payment is not made in full by the payment due date, interest charges is calculated at 24.96% per annum(minimum $2.50 per month) on a daily basis on the outstanding balance and all new purchases charged to your card account from the date of purchase(s). Interest Charges for cash advances will be calculated at 28.92% per annum(minimum $2.50 per month) on amount withdrawn from the transaction date until the date that payment is made in full. For more information, please call our Customer Service Executives at 1800 363 3333.

Late Payment Charges

With effect from 1 June 2009, our Late Payment charges will be revised to S$55. To ensure prompt payment by payment due date, you may wish to pay by interbank GIRO or if you have an OCBC deposit account, you can also make payment via Internet Banking or Phone Banking. Please call 1800-363 3333 for an application form.

Please note the following changes governing the use of your OCBC Credit Card with effect from 1 April 2009 (updated as of 26 February 2009):

Annual Fees Revision

With effect from 1 April 2009, the annual fees of the OCBC Platinum MasterCard, OCBC Arts Platinum MasterCard, SMU-OCBC Platinum MasterCard, NTUAC-OCBC Platinum MasterCard and NTU-OCBC Platinum MasterCard will be revised to S$150 p.a. for Principal Card and S$75 p.a. for Supplementary Card; and the annual fees of the OCBC VISA Classic and OCBC Standard MasterCard will be revised to S$30 p.a. for Principal Card and S$30 p.a. for Supplementary Card.

Card Replacement Fee

With effect from 1 April 2009, the Card Replacement Fee will be revised to S$25 per card for all OCBC Credit Cards.

Please note following changes governing the use of your OCBC Credit Card with effect from 1 April 2009 (updated as of 17 February 2009):

Repayment Period

With effect from 1 April 2009, the Repayment Period will be revised to 24 calendar days from the Statement Date. For more information, please call our Customer Service Executives at 1800 363 3333.

Cash Advance Fee

With effect from 1 April 2009, our Cash Advance Fee will be revised to S$15 or 6% on the amount withdrawn, whichever is greater, applicable for each Cash Advance transaction. Cash Advance interest of 24% p.a. (minimum S$2.50) on the amount withdrawn, calculated from the withdrawal date until date of full payment, remains unchanged. For more information, please call our Customer Service Executives at 1800 363 3333.

Please note the following change in relation to OCBC Secured Credit Cards as of 1 October 2008:

Please be informed that only OCBC S$ Time Deposits can be used as security for OCBC Secured Credit Cards. Should your OCBC Secured Credit Card(s) currently be secured by any structured deposit, your structured deposit will be converted to a one-month time deposit (unless other instructions have been specified) upon maturity or early termination. Please call our Customer Service Executives at 1800 363 3333 for enquiries.

Please note following changes governing the use of your OCBC Credit Card with effect from 15 September 2008 (updated as of 14 August 2008):

Please be informed that all statements due from 15 September 2008 will be subject to Late Payment Fee if the minimum payment is not received by the monthly payment due date. To ensure prompt payment, you may wish to enroll in our Inter-Bank GIRO facility or you can make payment via OCBC ATM, Internet Banking or Phone Banking services. Payments can also be made at any AXS stations islandwide. Please call our Customer Service Executives at 1800 363 3333 for enquiries.

Please note following changes governing the use of your OCBC Credit Card with effect from 25 March 2008 (updated as of 21st February 2008):

Late Payment Charges

With effect from 25 March 2008, our Late Payment charges will be revised to S$50. To ensure prompt payment by payment due date, you may wish to pay by interbank GIRO or if you have an OCBC deposit account, you can also make payment via Internet Banking or Phone Banking. Please call 1800-363 3333 for an application form.

Transactions in Foreign Currencies

With effect from 25 March 2008, the administrative fee for foreign currency transactions will be revised to 1.50% of that transaction amount. You may wish to request for a temporary credit limit increase if you are traveling overseas. For more information, please call 1800-363 3333.

Please note following changes governing the use of your OCBC Credit Card with effect from 1 July 2007:

IPP Cancellation Fee

Please be inform that effective 1 July 2007, an administrative fee of S$150 will be levied for premature repayment or cancellation of any Instalment Payment Plan. This fee will be debited to your card account together with the remaining cancelled plans.

Consolidated Credit Card Statement

You can now enjoy greater convenience with a consolidated OCBC Credit Card statement starting from 25 June 2007.