Plan Your Dream Holiday with OCBC Cashflo Credit Card & Win $500 Travel Voucher

by Zhiqiang & Tingyi on October 2, 2012 · 38 comments

Travelling around the world is one of the few luxury items we all indulge in – a break from the drudgery of work.  Of course, cost is a major factor in considering where to go and some places are not exactly cheap, for example travelling in the mystical Land of the Thunder Dragon Bhutan where a typical 5-Day 4-Night itinerary could cost you upwards of S$4,000.  Read on to see how you can better manage your travel budget and at the same time win travel vouchers worth up to S$500 for your next holiday right here at

Planning your holiday in advance is a great way to make sure you keep all of the potential costs to a minimum.  We have shared a number of ways to save money when planning for a holiday and some specific tips for budget travel in the United States.  These tips include comparing deals across hotel and airlines aggregator sites such as and

Thankfully for Singaporeans, there is another way that you can achieve more savings and at the same time, maintain a healthy cashflow for daily necessities when you are back from your holidays i.e. no need to go for a long holiday and come back to instant noodles lunches due to tight cashflow!

The Oversea-Chinese Banking Corporation (OCBC) Cashflo credit card is Singapore’s first credit card with an inbuilt interest-free instalment plan for any purchase, anywhere.  The OCBC Cashflo card helps customers manage their cash flow by automatically dividing their credit card purchase amounts into 3 or 6 equal interest-free monthly payments. As an added feature, customers have the flexibility to set the minimum spend, in multiples of S$100, to activate the instalment plan on their cards.

OCBC Cashflo Credit CardSee the diagram below to see how this works.  So if you are planning a holiday, simply substitute the $5,400 with your estimated travel budget and divide it by 6 and that’s the instalment you will be paying monthly and the best part is that these instalments are interest-free!

 OCBC Cashflo Card 6 months installment payment

 The OCBC Cashflo card offers a 6-month instalment plan for purchases made at travel insurance companies, airlines, travel agencies as well as for any overseas spend. Any other purchase will automatically go onto a three-month instalment plan.

This is definitely a smarter way to travel as having this additional cashflow is useful to manage any emergencies or going into other investment opportunities.  The OCBC Cashflo also allows you to take advantage of opportunistic deals such as attractive travel packages from NATAS fairs, or a limited edition luxury brand bag without needing to pay the full amount upfront.

There is an additional bonus to using OCBC Cashflo credit card for your holiday plans.  In addition to the interest-free instalment plan, OCBC Cashflo card members will receive cash rebates of up to 1% for any purchase!  There is no need to bother with the hassle of redeeming points for perks as offered by other credit cards – you will just get your cashback.  This also means you enjoy a direct 1% rebate off your travel package – for example, you would have saved about S$60 if you had taken up the S$6,000 Bhutan travel package – extra money for souvenirs for your loved ones, courtesy of OCBC.

To manage your cashflow and enjoy cash rebates of up to 1%, apply for the OCBC Cashflo Credit Card (Annual fees are waived for first 2 years) in 5 easy steps here:

[CONTEST CLOSED!] Win S$500 worth of Travel Vouchers with OCBC/ Dream Holiday Itinerary Contest

Contest Closed! Winner (Zann Chan with her Ho Chi Minh itinerary) announced here:
OCBC and is offering you a chance to win travel vouchers for your next holiday.  The contest period is from 1 to 21 October 2012 (last date & time of submission is 11:59pm 21 October 2012 Singapore time) and there will be only 1 winner for this contest who will win $500 worth of travel vouchers.

PassportChop OCBC Cashflo Dream Itinerary Contest Prize $500 CTC Travel Voucher

Simply tell us your dream holiday itinerary and how OCBC Cashflo can help make this dream come true.  Read on for more details on 3 simple steps to join this contest.

Is it your dream to explore California and checking out the original Disneyland and cycling across Golden Gate Bridge?

USA United States of America Flag Golden Gate Bridge San Francisco California

Is it your dream to cruise around Zaanse Schans, Holland and admiring the beautiful windmills?

Zaanse Schans Windmills Open Air Museum Zaandam Amsterdam Holland

How to Join OCBC/ Dream Holiday Itinerary Contest

All these 3 Steps must be completed before 21st October 2012.59pm. By submitting an entry to this contest, you fully and unconditionally agrees to the below Terms and Conditions.

Step 1:

“Like” these Facebook pages: OCBC Bank and, if you are not already a fan of these pages:

Step 2:

“Recommend” this contest post to your Facebook friends – simply click the button below:

Step 3:

Email Contact PassportChop or Leave a comment below (before 21 October 2012 11:59pm Singapore time) with:

  • Your Facebook name
  • Your email address (put in the email field)
  • Your dream holiday itinerary and how OCBC Cashflo can help make this dream come true (*Hint* – to score extra points, talk about OCBC Cashflo’s inbuilt interest-free instalment plans and up to 1% cash rebate on any purchase)

* Your email address will not be shared with anyone (not even our sponsors).

Terms and Conditions for PassportChop/OCBC Dream Itinerary Contest

  • This contest is open to everyone around the world who is at or above the legal age of 18 years.
  • Once an entry is submitted, you are in agreement with all the terms and conditions below.
  • To be eligible for the contest, all 3 steps must be completed.
  • Closing date of the contest is 21st October 2012, on 23:59, GMT +8 (Singapore Time).
  • 1 winner will be selected based on creativity of his/her entry.
  • Decisions of the judges (i.e. and OCBC) are final.
  • Only one entry per individual is permitted.
  • Automated/bulk entries and entries from third parties are not permitted and will be disqualified.
  • The winner will be notified by email and must respond to the email within 3 (three) working days or else a new winner will be selected.
  • The winner’s name and location will be published on
  • Upon utilisation of the vouchers,the  winner should send to Contact PassportChop at least 3 photographs and a short write-up of their travel experience.  These photographs and write-up might be published on
  • is not responsible for late, lost, misdirected, incomplete, or illegible e-mail or for any computer-related, online, or technical malfunctions that may occur in the submission process.
  • Submissions are considered void if illegible, incomplete, damaged, irregular, altered, counterfeit, produced in error, or obtained through fraud or theft.
  • Submissions will be considered made by an authorized account holder of the e-mail address submitted at time of entry.
  • No cash equivalent for the Prize(s). The Prize(s) is non-transferable and no substitution will be made except as provided herein at OCBC’s and’s sole discretion. OCBC and reserve the right to substitute any listed Prize for one of equal or greater value for any reason. Any unused portion of the Prize value is forfeited. Neither OCBC nor is responsible for the weather conditions or activity availability and no refund or credit will be issued and no alternate date will be made available should the selected dates limit any element of the Prize usage. There will be no extension of deadline to utilise the prizes.
  • The odds of winning the Prize depend on the number of eligible entries and quality of the entries received up until the point of the drawing.
  • Contact Contact PassportChop if you have any questions about the contest.

For more information on the terms and conditions relating to the use of the travel voucher, see picture below:
PassportChop OCBC Cashflo Dream Itinerary Contest Prize $500 CTC Travel Voucher Terms and Conditions

Previous post:

Next post:


1 diablo October 11, 2012 at 8:43 pm

Highly energetic blog, I enjoyed that a lot.

2 Daniel Lee October 12, 2012 at 1:56 pm

I would like to use OCBC cashflo to manage my cashflow for my dream holiday itinerary in Nepal.

Day 1: Depart to Kathmandu

Day 2: Kathmandu (Overnight Stay at Kathmandu)

Kathmandu Durbar (royal palace) Square, well-known for its lavish and elaborate ornaments and decorations
Swayambhunath Stupa, a UNESCO World Heritage site more than 2500 years old
Patan Durbar Square, another UNESCO World Heritage site that boasts one of the most splendid urban streetscapes in the world.

Day 3: Kathmandu – Bhaktapur – Nagarkot (Overnight Stay at Nagarkot)

Bhaktapur Durbar Square, a former capital of the valley which showcases ancient Nepalese town life
Depart to Negarkot, a tiny settlement which is famous for its breathtaking views of the Himalayans Mountain Range

Day 4: Nagarkot – Pokhara (Overnight Stay at Pokhara)

Depart to Pokhara
Phewa Lake, a beautiful lake which offers a splendid view of Pokhara’s tranquil natural beauty

Day 5: Pokhara (Overnight Stay at Pokhara)

Whole day
Davis Fall, also known as Hell’s Falls, this mysteriously enchanting waterfall has many legends to its name and provides spectacular views for photographs
Seti Gorge, a gorge stretching across the whole city of Pokhara
Mahendra Cave, also named the House of Bats, this beautiful limestone cave is filled with different rare species of bats and boasts impressive stalactites and stalagmites
Shiva Cave, another beautiful natural cave
Tibetan Refugee Camp, an important historical site where Tibetan refugees were given work in the days of the Chinese Red Army to support themselves

Day 6: Pokhara – Kathmandu (Overnight Stay at Kathmandu)

Depart to Kathmandu

Day 7: Kathmandu (Overnight Stay at Kathmandu)

Whole day
Everest, the world’s highest mountain with a breathtaking view of the Eastern Himalayan Mountain Ranges

Day 8: Kathmandu – Home

Flight from Kathmandu to home.

3 Nathanial Chor October 12, 2012 at 3:10 pm

Just sharing my itinerary when I was studying in UCLA 2 years back. The installment plan of OCBC Cashflo would have been easy to help me manage cashflow after factoring in my travel expenses and the 1% rebate would have allowed me to splurge a little bit on souvenirs for my loved ones.

DAY 1 – Welcome

Welcome to San Diego! For your first evening in San Diego, walk or taxi to the Gaslamp Quarter for dinner. Restaurants are plentiful, and range from informal to gourmet fine dining. Whether you want pizza by the slice or a prime Porterhouse steak, the Gaslamp Quarter will send you home well-fed and happy. If given the option, try to get a table by the window or in an outdoor cafe so you can people watch.

DAY 2 – Art Museums

Start your morning with homemade breakfast at your B & B then set out to explore nearby Balboa Park, America’s largest urban cultural park. This classic park was created as part of the California Pacific International Exposition of 1935-36. The Park boasts museums, restaurants, trails, gardens, the San Diego Zoo, and a wealth of cultural attractions. To read a list of special events taking place at Balboa Park, visit:

Keating House is about four blocks from Balboa Park so no driving is necessary. If you are traveling with someone whose mobility is impaired, Keating House has guest rooms on the first floor and a free tram drives within Balboa Park so you can save your energy for walking in the museums. To view a route map for the tram, visit:

Consider buying a Passport to Balboa Park ($30) or a Best of Balboa Park Passport ($55). The standard Passport covers one adult admission to 13 of the Park’s attractions and is valid for up to seven days. The Best of Passport offers that too, plus admission to the San Diego Zoo for one day. Passports can be purchased at one of the participating Balboa Park museums or online at:

For your first day there, start with the San Diego Museum of Art. Admission is included as part of the Passport, otherwise it is $10 per adult. The museum’s fine art collection has been growing steadily since the 1920s and it is all yours to appreciate. Having spent your morning appreciating fine art, take a break to enjoy lunch at Water’s Cafe. The Cafe is located in the outdoor Sculpture Court and Garden. The menu offers a wide selection and they boast that no menu item is priced higher than $10. To view their menu, visit: After lunch, stroll next-door to the Timken Museum of Art. Admission is free to enjoy the amazing works of classic European painters.

Enjoy dinner at Prado within the Park, by the hospitality building. Their menu is carefully considered and offered at city prices, main courses range from $15 to $22. When making reservations, ask for an outdoor table. The weather is almost always perfect in San Diego, so why not enjoy it. Also, if you want to beat the rush and catch your evening film, reserve your table for 5-5:30pm. For more information on Prado and to view its menu, visit:

Wind down your day by enjoying a film at the Museum of Photographic Arts. Documentary and classic films are shown and admission is $10. Though this museum is included on the Passport, a film showing is considered a special event and, therefore, an additional entrance fee. It is worth the money if there is a 7pm double-feature of two films you’d never find at the local video rental store. To read MoPA’s current films, visit:

DAY 3 – San Diego Zoo

Get a good start with breakfast at your B & B, then walk to Balboa Park for your day at the world-famous San Diego Zoo. With so much wildlife to observe, you will not be short of things to see at the Zoo. To view upcoming events and seasonal hours, visit:

After all that walking, you’ll be ready to eat like a bear so Lunch at Albert’s or one of the other restaurants or cafes within the Zoo. Albert’s is named for the Zoo’s Silverback Gorilla and is the only Zoo restaurant to serve beer and wine. For a complete list of dining options, visit:

To cap off an active day at the Zoo, have a casual dinner at Hob Nob Hill. The restaurant is located at 2271 1st Avenue, about two blocks from Keating House. Hob Nob Hill has been in its present location under the same management since 1946. They are all about quality without leaving your wallet too empty. Some might say it is a place where you can count on getting the most bang for your buck. The restaurant is open from 7am to 9pm every day of the week. Daily specials are available for lunch and for dinner, but standard menu items, like their tuna melt, are available for either meal. Dinners include soup or salad and your choice of potato, vegetable, or bread. For the perfect start to a refreshing summer meal, start your feast with their Gazpacho soup and finish with a delicious slice of pie. To see the menu and specials (and download a coupon), visit:

DAY 4 – Old Town & Local History

After breakfast at your B & B, walk to Balboa Park. By now, it is becoming familiar and it’s the perfect time for you to learn about San Diego’s history and rich culture. Your first stop is the Museum of San Diego History. Admission is included in your Passport. This museum houses a vast collection of historical documentation, photographs, and cultural artifacts. You will leave having connected with San Diego’s past. Exhibits bring perspective into how it has grown to become one of the largest cities in the United States. To view the current exhibits at this museum, visit:

Before, leaving the Park, stop in to the San Diego Model Railroad Museum. If you are a railroad admirer, you will love this place. If you have not interest in trains, you can breeze through, getting the gist of its importance to western expansion.

Depart Balboa Park around 1pm and taxi or drive five miles north to the Old Town neighborhood. Mexican cafes and cantinas are plentiful in this section of San Diego. If the timing is right, you will have missed the lunch rush. You can select one at random and know that if it has managed to stay in business with such healthy competition, it must be worth trying. The price seems to be right too! Food Network has mentioned one restaurant in particular as being a good value. Old Town Mexican Cafe hosts a fiesta every single Friday, but evidently good times and good food are there every night of the week. To learn more about the Cafe, visit:

Spend your afternoon browsing the shops of Old Town. This may be a nice place to look for a souvenir or two. Next to gifts from a museum gift shop, non-touristy goodies overshadow more generic purchases.

DAY 5 – Space, Sports & Science

Sleep a little later today, you deserve it. Once you’ve refueled with breakfast at your B & B, walk over to Balboa Park. This morning, explore a different section of the Park. Begin your tour at the San Diego Aerospace Museum. Admission is included with a Passport, otherwise it is $9 per adult. It has a mind-boggling number of retired aircrafts and uniquely insightful exhibits on air exploration. Spend the rest of your morning roaming the San Diego Automotive Museum and San Diego Hall of Champions, just steps from each other and in the same cul-de-sac as the Aerospace Museum.

When you are ready for lunch, consider Time Out Cafe in the Hall of Champions. As a deli, prices are reasonable and outdoor benches are available. You can even get beer and wine there. Another suggestion is to proceed to your afternoon destination, the Reuben H. Fleet Science Center, and eat lunch at Galileo Cafe. Sandwiches, salads, and pizza dominate the family-friendly menu.

Spend your afternoon in the cool IMAX theatre enjoying a show. It is a good plan to purchase your tickets earlier in the day or before you eat lunch to make sure you have a seat for the show. Matinees are usually shown around 1pm, but schedules may change, so check online at: After your IMAX film, explore the Science Center all afternoon.

Wander to the Gaslamp District again and have dinner in one of the neighborhood’s many restaurants. Then taxi back to your B & B for a good night’s rest.

DAY 6 – Coronado

Sleep in on your last full day in San Diego. After a delicious breakfast, take a taxi to Broadway Pier to take the Regular All Day Ferry to the Coronado Ferry Landing Marketplace. For schedule information, visit: Take the shuttle from there to downtown Coronado. One-way fare is $1 per person. For route and schedule information, visit:

Arrive in downtown Coronado and wander the quaint streets. This is a perfect time to pick up any last-minute non-touristy souvenirs or to treat yourself to a new hat. For lunch, there are numerous options in the downtown area of Coronado, but today you will be dining at the famous Hotel Del Coronado’s Sheerwater Restaurant. Main courses range from $15 to $28. You can find a burger or fresh fish, it all depends what you like. An ocean view is the perfect accompaniment for your lunch, so soak up the Pacific from this historic landmark. To view Sheerwater’s menu, visit:

After lunch, wander the beach and shop in the resort’s stores. Take your time enjoying Coronado before returning to the Ferry Landing to float back across to Broadway Pier. After you have returned from your day’s adventure on Coronado, taxi back to your B & B to pack for your departure the following day. For dinner, pamper yourself with fine Mediterranean cuisine at Laurel. They offer a special early three-course dinner menu for $35 per person between 5:00 and 6:00pm daily. Otherwise, main courses range from $22 to $34.

DAY 7 – Bon Voyage

On your last morning in San Diego, make sure you have a good breakfast at your B & B and finish packing. If there is one more museum you want to see at Balboa Park or a souvenir you wish you’d bought, you still have time to get that taken care of.

4 vest October 17, 2012 at 11:11 pm

this is really cool, I like here!

5 ugg October 20, 2012 at 6:05 am

Thanks for such a great post and the review, I am totally impressed!

6 Zhiqiang & Tingyi October 22, 2012 at 11:04 pm

Thanks for all your participation! The Contest is now closed!

The winner of the Cashflo contest is Zann Chan with her Ho Chi Minh itinerary here:

What caught our attention was:
– Zann’s detailed itinerary on the best places for sight-seeing and food around the city; – A number of useful tips e.g. best place to exchange money = jewelry shops in Saigon near Ben Thanh;
– Estimate of expenses while travelling around the city; and
– How she will use OCBC Cashflo credit card to pay for some of the big ticket items for example air tickets, hotels and tours so as to manage large bills on her return to singapore and slowly pay back over a few months

All these demonstrated how good she is managing her expenses while having fun at the same time. Zann, you have won a S$500 travel voucher – Congrats!!

To manage your cashflow and enjoy cash rebates of up to 1%, apply for the OCBC Cashflo Credit Card (Annual fees are waived for first 2 years) in 5 easy steps here:

7 Cisco October 26, 2012 at 3:11 am

Wow, marvelous blog structure! How long have you been running a blog for? you make running a blog look easy. The whole look of your site is magnificent, let alone the content material!

8 ruthmpon October 29, 2012 at 12:15 am

I never thought I would agree with this opinion, but I’m starting to see things differently.

9 monc November 3, 2012 at 9:38 am

Thanks for the great Post very COOL!!!

10 moncler November 3, 2012 at 11:30 pm

Nice post. good website

11 chea November 7, 2012 at 4:33 am

Hey there! This is my first visit to your blog! We are a group of volunteers and starting a new initiative in a community in the same niche. Your blog provided us useful information to work on. You have done a extraordinary job!

12 stot November 11, 2012 at 3:48 am

I am very pleased to search out this web-site. I needed to many thanks for some time because of this great read!! I surely enjoying each little chunk of it and I have you bookmarked to check out new stuff you blog post.

Comments on this entry are closed.