OCBC 365 Credit Card
Very Good

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver 2 years fee waiver for both Principal and Supplementary cards, subsequent years waived for Principal card with min. spend of $10,000 p.a.
  • Annual Interest Rate 25.92%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • Base cashback rate of 0.3%
  • Minimum monthly spend of $600 to hit Bonus Cashback tiers
  • Monthly Cashback cap of $80
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OCBC Robinsons Group Credit Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $192.60 per year
  • Supplementary Annual Fee $96.30 per year
  • Fee Waiver 1 year fee waiver
  • Annual Interest Rate 25.92%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • 5% cashback on Shopping
  • No cashback cap
  • Cashback awarded immediately
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OCBC Plus! Visa Credit Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $80 per year
  • Supplementary Annual Fee Complimentary, up to 3 supplementary cards
  • Fee Waiver No annual fees for the first year. Automatic fee waiver from the 2nd year onwards when you charge at least S$2,500 in Visa transactions to your card per annum.
  • Annual Interest Rate N/A

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • Annual fee waiver with a minimum spend of S$2,500 per year
  • One year period begins from month of card issuance
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OCBC NTUC Plus! Visa Credit Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $0 per year
  • Supplementary Annual Fee Complimentary, up to 3 supplementary cards
  • Fee Waiver Prevailing NTUC membership fee applies
  • Annual Interest Rate N/A

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • Earn an annual fee waiver with a minimum spend of S$2,500 in one year
  • One year period begins in the month of card issuance
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OCBC Frank Card
Satisfactory

Annual Fees and Rates

  • Principal Annual Fee $80 per year
  • Supplementary Annual Fee N/A
  • Fee Waiver 2 years fee waiver, subsequent years waived with min. spend of $5,000 p.a.
  • Annual Interest Rate 25.92%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • 0.3% base cashback rate for non-bonus categories
  • Min. spend $400 excluding Online and NETS FlashPay Auto Top-Up spend)
  • Capped at $60 for all rebates
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OCBC Cashflo Credit Card
Poor

Annual Fees and Rates

  • Principal Annual Fee $160.50 per year
  • Supplementary Annual Fee $80.25 per year
  • Fee Waiver 2 years fee waiver, subsequent years waived with min. spend $5,000 p.a.
  • Annual Interest Rate 25.92%

Eligibility

  • Singaporean Minimum Income $30,000 per year
  • Non-Singaporean Minimum Income $45,000 per year

Things to look out for

  • 0.3% cashback on all categories if spend is between $1 - $500
  • 0.5% cashback on all categories if spend is between $500.01 - $1000
  • 1% cashback on all categories if spend is $1,000 and above
  • Overall cashback cap of $100 per month
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