Compare the Best OCBC Credit Cards in Singapore 2018

Updated December 2018

Looking for the best OCBC credit cards in Singapore? Compare and find your ideal card with MoneySmart’s easy-to-use credit card comparison tool.

Popular OCBC Credit Cards

OCBC 365 Credit Card
OCBC 365 Credit Card

6%

Cashback on Everyday Dining (Including Local, Overseas and Online Food Delivery)

S$80

Cashback Cap per month

S$800

Min. Spend per month

Key Features

  • 6% cashback on everyday dining (including local, overseas and online food delivery)
  • 3% cashback on grocery, land transport, online travel, recurring telco and electricity bills
  • 0.3% cashback on everything else
  • Up to S$200,000 of complimentary travel personal accident insurance
  • 2 years fee waiver for principal card (S$192.60), subsequent years waived with min. spend of S$10,000 p.a.

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$193
Supplementary Annual FeeS$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
OCBC Frank Card
OCBC Frank Card

6%

Cash Back on Online Spend and Mobile Payments

S$60

Cash Back Cap per month

S$300

Min. Spend per month on Offline Purchases

Key Features

  • 6% rebate on online shopping
  • 6% rebate on mobile payments, promo valid till 31 Dec 2018
  • Up to 5% rebate for entertainment
  • 0.3% rebate on everything else
  • Lower monthly in-store min spend of S$300, promo valid till 31 Dec 2018
  • 2 years fee waiver, subsequent years waived with min. spend of $10,000 p.a.

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$80
Supplementary Annual Fee$40
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, NETS FlashPay, Apple Pay, Samsung Pay, Google Pay
OCBC Titanium Rewards Card
OCBC Titanium Rewards Card

S$1 = 10 OCBC$

on Online, Offline, Local and Overseas spend

S$50 Titanium cash

with 18,000 OCBC$

10 OCBC$ = 4 Miles

Rewards to Miles Conversion

Key Features

  • 10x OCBC$ (10 points or 4 Miles) for every S$1 spent on clothes, shoes, bags, department stores, kidswear, electronic gadgets, online, offline, locally and overseas
  • Cathay Cineplexes offers: S$8.50/ S$11 on movie tickets
  • Up to 16% discount at Caltex and Esso stations
  • Complimentary JetQuay Quayside single trip service and discounted trip service
  • Enjoy exclusive access at USD 27 per visit per person to more than 800 lounges regardless of the airline
  • First 2 years fee waiver for principle & supplementary cardmembers

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$193
Supplementary Annual Fee$96.30
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
NTUC Plus! Visa Credit Card
NTUC Plus! Visa Credit Card

Up to 12%

Cash Back at FairPrice Stores, Unity and Warehouse Club

0.22%

LinkPoints on All Visa Spend outside FairPrice group

S$400

Min. Spend per month

Key Features

  • Up to 12% rebates at FairPrice stores, Unity and Warehouse Club and up to 8% rebate at FairPrice Online with salary credit
  • Up to 20.6% fuel savings at Esso and 18% fuel savings at Caltex
  • Enjoy 3% rebates at Popular and Cheers
  • Earn 0.22% LinkPoints rewards on all Visa spend outside of FairPrice group
  • Annual fee waived (prevailing NTUC membership fee applies)

Annual Interest Rate and Fees

Annual Interest Rate25.92%
Principle Annual FeeN/A
Supplementary Annual FeeComplimentary, up to 3 supplementary cards
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
OCBC Plus! Visa Credit Card
OCBC Plus! Visa Credit Card

7%

Cash Back at FairPrice Stores, Unity and Warehouse Club

0.22%

LinkPoints on All Visa Spend outside FairPrice group

S$500

Min. Spend per month

Key Features

  • Enjoy 7% rebates at FairPrice Store, Unity and Warehouse Club and 3% rebate at Fairprice Online
  • Up to 20.6% fuel savings at Esso and 18% fuel savings at Caltex
  • Enjoy 3% rebates at Popular and Cheers
  • First year annual fee waived. Second year annual fee waived when you spend at least S$2,500 per annum.

Annual Interest Rate and Fees

Annual Interest Rate25.92%
Principle Annual Fee$107
Supplementary Annual FeeComplimentary, up to 3 supplementary cards
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationVisa
Wireless PaymentVisa payWave, Apple Pay, Samsung Pay, Google Pay
OCBC Cashflo Credit Card
OCBC Cashflo Credit Card

1%

Cash Back with Monthly Instalment Bill of S$1,000 and above

S$100

Cash Back Cap

S$0

Min. Spend per month

Key Features

  • Stretch payments across 3 or 6 months with 0% interest
  • Up to 1% cash rebate on all spend
  • Discounts on movie tickets and F&B at Cathay Cineplexes

Annual Interest Rate and Fees

Annual Interest Rate26.88%
Principle Annual Fee$161
Supplementary Annual Fee$80.25
Fee WaiverAvailable
Minimum Monthly Repayment3% or S$50, whichever is higher
Interest Free Period23 days

Minimum Income Requirements

Singaporean$30,000
Foreigner$45,000

Other

Card AssociationMasterCard
Wireless PaymentApple Pay, Samsung Pay, Google Pay
All results loaded

Best OCBC Credit Cards 2018

Best ForCredit CardAnnual Fee
Everyday Dining and Fuel SavingsOCBC 365 Credit CardS$193
Cashback on online shopping and mobile paymentsOCBC Frank CardS$80
Reward points on Online and retail shoppingOCBC Titanium Rewards CardS$193
Shopping at Fairprice and UnityNTUC Plus! Visa Credit CardNo Annual Fee
0% instalment payments plansOCBC Cashflo Credit CardS$161

OCBC Credit Card Promotions

OCBC credit cards run generous promotions that can help you save on dining, travel and shopping purchases.

OCBC dining promotions

Receive discounts, 1-for-1 offers and free dishes when you dine out and pay with an OCBC credit card. Current promotions include 15% discount at Bedrock Bar & Grill, 15% discount at The Marmalade Pantry and 15% discount at Oriole Coffee + Bar. Aside from that, when you use the OCBC 365 credit card, you receive 6% dining cash back locally and overseas every day of the week.

OCBC travel promotions

Receive discounts and free upgrades when booking with OCBC’s travel partners. Current promotions include 10% discount when making hotel bookings on Agoda or Expedia and $25 off flights on Zuji. Enjoy up to 20% off hotel bookings with a wide range of OCBC hotel partners such as Shangri-La Rasa Sentosa, Bintan Lagoon Resort and Millennium Hotels and Resorts.

OCBC shopping promotions

Enjoy discounts at your favorite online retailers, including $7 off at Shopee, 15% discount at Zalora and 6% at Reebonz. Other shopping discounts apply to Agnès B and Nike. OCBC credit cards are also eligible for 0% interest installment payment plans at Joyalukkas, Poh Heng, Robinsons, and The Hour Glass.

OCBC Credit Card Rewards

OCBC credit card rewards include $50 Ladurée vouchers, $10 Pepperoni Pizza vouchers and $30 Les Amis vouchers. OCBC Titanium cardholders can also opt to receive $10 cash. Accumulate OCBC$ when you spend, and then exchange them for dining vouchers, Starhub points, and KrisFlyer miles.

More From TheMoneySmart Blog

Check out our blog for more personal finance tips and insights.

OCBC Credit Card Overseas Activation

You can activate your OCBC credit card’s magnetic stripe via OCBC’s website, your online banking account, calling the OCBC credit card hotline or sending a text to 72323 in the following format: MAGNRICLast 4 digits of your cardACTIVATEduration of days for card to be activated.

OCBC Credit Card Hotline

To speak to a customer service officer from OCBC to enquire about your bill or apply for annual fee waivers, dial the OCBC credit card hotline at 1800 363 3333.

Frequently Asked Questions

How can I check my OCBC credit card balance online?

In order to access your e-Statements, you can log into your mobile banking with your access code and pin and see e-statements under menu. The document is password protected. Enter the last 5 characters of your NRIC or passport number followed by your date of birth in the format of DDMMYY. If you are currently not receiving eStatements, you may apply at ocbc.com/eStatements.

How do I pay my OCBC credit card bill?

To pay your OCBC credit card bill, login into OCBC’s mobile app and click “Pay Bills” and then “Credit Card”. You will then be able to choose the account to pay the bill from, the billing organisation when to pay as well as the payment amount. Review the details and click on “Confirm Payment” to complete the payment.

How do I reset my OCBC credit card PIN?

If you forget your OCBC credit card PIN, you can call 1800 363 3333 to reset it, or fill in the online form at ocbc.com/reset. You will need to fill in your card details, card PIN and personal details to receive a one-time password that will enable you to receive your credit card pin.

How do I pay bills with my OCBC credit card?

In order to pay bills directly from your OCBC bank account or OCBC credit card, you have to log in to online banking with your access code and PIN. Under “Payment & Transfer”, select “Pay Bills” and then “Pay Billing Organisation”. You will be able to select the organization to pay bills to and the amount payable. Before the transaction is complete, you will likely need to key in a one-time password (OTP).