Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.
|OCBC 365 Credit Card||S$250 Cashback||End by 31st July|
|Best For||Best OCBC Card||Summary|
|Families, homeowners||OCBC 365 Credit Card||Best OCBC cashback credit card for groceries with 3% cash rebate; dining and food delivery with 6% cash back; S$800 minimum spend per month|
|Families, homeowners||OCBC Plus! Visa Credit Card||Best OCBC cash rebates credit card for groceries at NTUC FairPrice and Unity with 7% rebates, dining and staycation promotions|
|Families, homeowners||NTUC Plus! Visa Credit Card||Best OCBC cash rebate credit card for groceries with 12% cash back at FairPrice, Lazada, and dining promotions|
|Young adults, fresh graduates, students||OCBC Frank Card||Best OCBC cash back credit card for young adults and graduates with 6% cash rebates for online and contactless spend|
|Frequent flyers, travel enthusiasts||OCBC 90N Card||Best OCBC air miles rewards credit card with Agoda promotions|
|New homeowners, young families||OCBC Titanium Rewards Card||Best OCBC rewards credit card for online and in store shopping with 10 OCBC points per dollar|
|New homeowners, young families||OCBC Cashflo||Best OCBC 0% auto-instalment payment plan credit card with 1% cash|
OCBC credit cards run generous dining, travel and online shopping promotions.
Receive buffet discounts and 1-for-1 deals when you dine out and pay with an OCBC credit card. Current food promotions include 1-for-1 Set Menus at Mitzo Restaurant and Bar, 10% off set menus with complementary longevity buns at Peach Garden, 1-for-1 sliced cakes and 25% off whole cakes at tcc,1-for-1 Steamed Dim Sum items at Tim Ho Wan, and more. Also, receive 6% dining cash back when you use the OCBC 365 credit card.
Enjoy online hotel and staycation promos, discounts and free upgrades with OCBC’s travel partners. Current hotel promotions include 15% off stays and complimentary Silver tier member upgrade at Ascott Serviced Residences and Hotels, up to 32% room rates at Millennium Hotels and Resorts, promotional rates at Fairmont Hotel, Shangri-La Hotel Singapore, Oasia Hotel, Pan Pacific, Fullerton, St. Regis, Warehouse Hotel, and more.
Get promos and discounts at your favorite online retailers. Current shopping promotions include S$8 off Shopee orders, S$10 off Qoo10 orders, S$10 off ezbuy orders, S$8 off Lazada orders, 27% off Zalora bill, 20% off Under Armour apparel, 10% off Fitbit devices, and more. Also enjoy discounts on OSIM devices and Mayer appliances, and earn vouchers from Grab, Pet Lovers Centre or Zalora via OCBC’s digital rewards platform, Stack.
OCBC credit card annual fees are usually waived for the first 2 years upon card application. However, when the free annual fee waiver ends, you have to meet annual minimum spending requirements to qualify for further fee waiver. If you’ve had a good credit history and relationship with the bank, request for an annual fee waiver by calling the OCBC customer service hotline at 1800 363 3333. For more details about your OCBC credit cards’ terms and conditions and annual fee waiver, call 6438 6088.
|OCBC Credit Card||Fee Waiver (Years)||Annual Fee|
|OCBC 365 Credit Card||2||S$192.60|
|OCBC Plus! Visa Credit Card||1||S$107.00|
|NTUC Plus! Visa Credit Card||N/A||Free|
|OCBC Frank Card||2||S$80.00|
|OCBC 90N Card||1||S$192.60|
|OCBC Titanium Rewards Card||2||S$192.60|
|OCBC Cashflo Credit Card||2||S$160.50|
There are 3 main types of OCBC rewards points: OCBC$ points for most rewards credit cards, Travel$ for the OCBC 90N credit card, and Voyage Miles for the elite OCBC Voyage credit card. No matter which OCBC rewards programme you’re on, all rewards points will only be awarded for every S$5 spent. That means if you spent S$4.90 on a purchase, you will not receive any points. To check your OCBC rewards points, login to OCBC ibanking and select the “Rewards” category.
If you’re an OCBC rewards credit card user such as the OCBC Titanium Rewards Card, you earn OCBC$ rewards points from your transactions. Redeem your OCBC$ rewards points for cash rebates, Singapore Airlines Krisflyer Miles, or vouchers on OCBC’s digital rewards platform, Stack. OCBC$ points earned expire in 2 years.
If you’re using OCBC cash back credit cards such as the OCBC 365 Cashback credit card, OCBC Frank Card, and OCBC Cashflo credit card, your cashback earned from transactions will be directly credited to your credit card statement in the next month.
If you’re using an OCBC cash rebate credit card such as the OCBC Robinsons Group credit card or OCBC Best Denki credit card, you will first earn OCBC$ rewards points from your purchases before you redeem the points for cash rebates via the rewards catalogue. For OCBC Plus! Visa and NTUC Plus! cash rebate credit cardholders, you earn rebates in the form of LinkPoints instead.
Compare Savings Accounts and maximise your earnings with best interest rates by finding the right bank.
To apply for an OCBC credit card online: visit the OCBC website, click on your credit card of choice, and click on the “Apply now” option. You will then be presented with two options for card application: you can login to SingPass MyInfo, or complete an online registration form where you’ll be asked to fill in your personal information and required documents such as salary slips.
Once you’re done with the application, you can check your OCBC credit card application status by calling the customer service hotline at 1800 363 3333. If you met the credit card’s stated requirements, submitted the correct documents, and have a good credit history, the chances of your card approval will be high.
If you already have an OCBC credit card and are applying for a second card, you can apply via ibanking for instant approval and receive a digital credit card for immediate use. If you’re applying for a supplementary card, you will need to pick up a copy of the hardcopy application form and submit it at one of the OCBC branches.
To cancel or deactivate your OCBC credit card in Singapore, you can fill up the OCBC “Services for Credit Card” form which you can find online in PDF. In that form, you will find a “Terminate my Credit Card” section. Fill it up, print it out, and you can either mail it to OCBC or bring it to your nearest OCBC branch. Do remember to utilise all your OCBC rewards points, transfer your air miles, and pay your credit card bill in full before you terminate your credit card. If you still have other OCBC credit cards, your OCBC$ rewards points will pool and remain in your rewards account.
To activate your OCBC credit card for overseas use, simply login to your OCBC ibanking account or send an SMS.
First, how to check your OCBC credit card bill? Login to the OCBC ibanking website and select “Your Accounts”, followed by “Overview”, “What You Owe (Liabilities)”, and “Amount Due”. Alternatively, login to OCBC mobile banking and look under “What You Owe”. You can also send an SMS to 72323 or +65 9327 2323 if you’re overseas: BAL space
Next, when is your OCBC credit card bill due? Due dates may change from month to month, plus or minus a day or two. If you receive physical bank statements per month, you will find your credit card balance or payment due date stated. If not, login to the OCBC ibanking website or mobile app, look under your accounts and cards to find the month’s credit card balance due date. Make sure you pay your credit card bill in full on time lest you incur late payment fees of S$100.
Finally, if you’re an OCBC banking user paying an OCBC credit card bill, simply login to the OCBC ibanking website or mobile app. Find “Payments and transfers” or “Bill payment” and you will be able to select your OCBC credit card bill. If you’re paying for your OCBC credit card bill from another bank, such as DBS or MayBank, you can just login to the DBS ibanking or Maybank2u ibanking websites, find the Payment category and select payment to “Other Banks’ Credit Cards”. You will be asked to add the credit card details to your list of regular ibanking payment recipients.