Step 1: Go to www.Circles.Life and build your Plan.
Step 2: Enter the promo code CIRCLESOCBC upon checkout.
Step 3: Pay using your OCBC Credit / Debit Card and enjoy the $20 bill waiver applied to your first bill.
NOTE: You must enter the promo code CIRCLESOCBC upon checkout and use an OCBC credit / debit Card to redeem this offer. Use of other referral codes or payment with any Card other than OCBC credit / debit Card will not give you the promotional benefit of $20 off first bill.