OCBC 365 Credit Card

Updated November 2018

6%Cashback on Everyday Dining (Including Local, Overseas and Online Food Delivery)
S$80Cashback Cap per month
S$800Min. Spend per month
OCBC 365 Credit Card

OCBC 365 Credit Card

Key features
Key features
  • 6% cashback on everyday dining (including local, overseas and online food delivery)
  • 5% cashback on fuel spend at all petrol service stations locally and overseas
  • 3% cashback on groceries, 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.
Cash back
Cash Back
Excellent
  • 6% cashback on local and overseas dining, everyday
  • 6% cashback on online food delivery e.g. Deliveroo and Foodpanda
  • Up to 23% fuel savings at Caltex stations
  • 3% cashback on local, overseas and online groceries e.g. Redmart, FairPrice Online and Honestbee
  • 3% cashback on local and overseas private hire rides e.g. Grab, ComfortDelGro, Ofo and Ryde
  • 3% cashback on online air, cruise, hotel and tour bookings e.g. Agoda and Airbnb
  • 3% cashback on recurring telco and electricity bills
  • 0.3% cashback on everything else
Petrol
Petrol
Excellent
Best for: Petrol transactions at Caltex & Esso stations
  • Up to 23% discount at Caltex: 16% upfront discount on Platinum 98 with Techron® Caltex + 4.2% cashback with min. S$800 spend + 2.8% cashback with min. S$300 nett fuel spend.
  • Up to 20.4% discount at Esso: 14% upfront discount + 4.3% cashback with min. S$800 spend + 2.1% cashback with min. S$200 nett fuel spend.
  • 5% cashback on fuel spend at all petrol service stations locally and overseas
Dining
Dining
Excellent
  • 6% cashback on local and overseas dining, everyday
  • 6% cashback on online food delivery e.g. Deliveroo and Foodpanda
  • Min. spend of $800/month, cap S$80/month
Grocery
Grocery
Satisfactory
  • 3% cashback on local and overseas groceries
  • 3% cashback on online local and overseas groceries e.g. Redmart, FairPrice Online and Honestbee
  • Min. spend of $800/month, cap S$80/month
Terms
Terms and conditions
Interest Rate & Late Payment Fees

Annual Principal Fee

$193

Supplementary Annual Fee

S$96.30

Fee Waiver

Available

Interest Free Period

23 days

Annual Interest Rate

26.88%

Late Payment Fees

S$100

Minimum Monthly Repayment

3% or S$50, whichever is higher

Foreign Currency Transaction Fee

2.80%

Foreign Check Fee

N/A

Cash Advance Transaction Fee

6% or $15, whichever is higher

Overlimit Fee

N/A
Eligibility

Singaporean Minimum Income

$30,000

Non-Singaporean Minimum Income

$45,000
Other

Card Association

Visa

Wireless Payment

Visa payWave, Apple Pay, Samsung Pay, Google Pay