Why Trust MoneySmart?There’s no single “best” OCBC credit card—it all depends on your spending patterns and whether you prefer cashback, miles, or reward points. OCBC offers a variety of cards tailored to different needs, from everyday essentials to online shopping and travel. Here’s a breakdown to help you match the right OCBC card to your lifestyle in Singapore.
Best for everyday cashback: OCBC 365 Credit Card
The OCBC 365 Credit Card is a reliable pick for anyone looking to maximise cashback on common household spending. It works best for those who consistently spend on categories like dining, petrol, groceries, ride-hailing, telco or utility bills, streaming, and even Watsons purchases.
Key OCBC 365 features:
5% cashback on dining and food delivery, both locally and overseas
6% cashback on petrol at all stations (Caltex, Esso, Sinopec), 3% on EV charging
3% cashback on groceries, land transport (Grab, Go-Jek, TADA, Comfort), streaming services, recurring telco and utility bills, and Watsons (in-store and online)
Minimum monthly spend of $800 required to unlock these cashback rates (otherwise, you earn only 0.25%)
Cashback capped at $80/month at $800 spend, doubled to $160/month with $1,600 spend
2-year fee waiver; annual fee $196.20
Best for travel and miles: OCBC 90°N Card
Frequent travellers and miles chasers will appreciate the OCBC 90°N Card. Not only do miles never expire, but conversion options are flexible for airline and hotel redemptions.
Key OCBC 90°N features:
1.3 miles per $1 spent locally, 2.1 miles per $1 spent overseas
No monthly cap on miles—earn as much as you spend
Miles never expire—redeem at your own pace
Redeem miles for major frequent flyer programmes (including KrisFlyer and others) and partner hotels
E-commerce protection for online purchases
Annual fee $196.20 (first year waived)
Best for simple cashback: OCBC INFINITY Cashback Card
Prefer a “set and forget” card with no minimum spend, no categories, and unlimited rewards? The OCBC INFINITY Cashback Card fits the bill perfectly.
Key OCBC INFINITY features:
Flat 1.6% cashback on all eligible spending, local and overseas
No minimum spend and no cashback cap
Cashback credited automatically each month to your card account
S$196.20 annual fee (waived first year)
Does not reward transactions made via some payment platforms (e.g., GrabPay, NETS FlashPay)
Best for shoppers: OCBC Rewards Credit Card
If you spend heavily on shopping (fashion, electronics, furniture), the OCBC Rewards Card offers elevated earn rates for both online and retail purchases at major merchants.
Key OCBC Rewards features:
15 OCBC$ (approx. 6 miles) per $1 spent at selected major online retailers (Lazada, Shopee, Taobao, TikTok Shop) and at Watsons
10 OCBC$ (approx. 4 miles) per $1 on other eligible online and in-store shopping
10,000 bonus OCBC$ cap/month on elevated earn rate; base earn on other spends
E-commerce protection included
Annual fee $196.20 (first 2 years waived)
Quick comparison table
Below is a table to help you compare the most popular OCBC cards at a glance:
Card Name | Primary Benefit | Min. Spend | Top Perk |
OCBC 365 | Cashback | $800 | 5% dining, 6% petrol, $160 monthly cap |
OCBC FRANK | Online/Contactless | $800 | 8% online/contactless; $100 category cap |
OCBC 90°N | Air Miles | None | 2.1 miles/$1 overseas, miles never expire |
OCBC INFINITY Cashback | Simple Cashback | None | 1.6% unlimited cashback, no minimums or caps |
OCBC Rewards | Shopping Rewards | None | 6 miles/$1 to major merchants, monthly points cap |
What’s your typical monthly spend, and do you prefer cashback, miles, or shopping rewards? Take a minute to reflect before you apply—choosing the best OCBC credit card is all about matching your actual spending pattern to the right type of rewards.
