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.
6%
Cashback on Everyday Dining (Including Local, Overseas and Online Food Delivery)
S$80
Cashback Cap per month
S$800
Min. Spend per month
| Annual Interest Rate | 26.88% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | S$96.30 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
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
| Annual Interest Rate | 26.88% |
|---|---|
| Principle Annual Fee | $80 |
| Supplementary Annual Fee | $40 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, NETS FlashPay, Apple Pay, Samsung Pay, Google Pay |
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
| Annual Interest Rate | 26.88% |
|---|---|
| Principle Annual Fee | $193 |
| Supplementary Annual Fee | $96.30 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | Apple Pay, Samsung Pay, Google Pay |
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
| Annual Interest Rate | 25.92% |
|---|---|
| Principle Annual Fee | N/A |
| Supplementary Annual Fee | Complimentary, up to 3 supplementary cards |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
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
| Annual Interest Rate | 25.92% |
|---|---|
| Principle Annual Fee | $107 |
| Supplementary Annual Fee | Complimentary, up to 3 supplementary cards |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | Visa |
|---|---|
| Wireless Payment | Visa payWave, Apple Pay, Samsung Pay, Google Pay |
1%
Cash Back with Monthly Instalment Bill of S$1,000 and above
S$100
Cash Back Cap
S$0
Min. Spend per month
| Annual Interest Rate | 26.88% |
|---|---|
| Principle Annual Fee | $161 |
| Supplementary Annual Fee | $80.25 |
| Fee Waiver | Available |
| Minimum Monthly Repayment | 3% or S$50, whichever is higher |
| Interest Free Period | 23 days |
| Singaporean | $30,000 |
|---|---|
| Foreigner | $45,000 |
| Card Association | MasterCard |
|---|---|
| Wireless Payment | Apple Pay, Samsung Pay, Google Pay |
| Best For | Credit Card | Annual Fee |
|---|---|---|
| Everyday Dining and Fuel Savings | OCBC 365 Credit Card | S$193 |
| Cashback on online shopping and mobile payments | OCBC Frank Card | S$80 |
| Reward points on Online and retail shopping | OCBC Titanium Rewards Card | S$193 |
| Shopping at Fairprice and Unity | NTUC Plus! Visa Credit Card | No Annual Fee |
| 0% instalment payments plans | OCBC Cashflo Credit Card | S$161 |
OCBC credit cards run generous promotions that can help you save on dining, travel and shopping purchases.
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.
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.
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 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.
Check out our blog for more personal finance tips and insights.
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: MAG
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.
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.
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.
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.
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).
