OCBC 365 Credit Card
Apply now and redeem any of these:
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MoneySmart Exclusive
S$250 Cash via PayNow
S$250 Cash via PayNow
Only $17 with SmartPoints
Apple Watch SE 3, 40mm (GPS, Midnight Aluminium Case with Midnight Sport Band)
4070 SmartPoints
worth S$349
Apple Watch SE 3, 40mm (GPS, Midnight Aluminium Case with Midnight Sport Band)
4070 SmartPoints
worth S$349
FREE with SmartPoints
Apple AirPods Pro 3
3900 SmartPoints
worth S$349
Apple AirPods Pro 3
3900 SmartPoints
worth S$349
FREE with SmartPoints
LEVEL8 Polaris Trolley Luggage Case (20-inch, Black)
4055 SmartPoints
worth S$579
LEVEL8 Polaris Trolley Luggage Case (20-inch, Black)
4055 SmartPoints
worth S$579
FREE with SmartPoints
Omnidesk Essential Electric Height-Adjustable Desk (Black)
3280 SmartPoints
worth S$369
Omnidesk Essential Electric Height-Adjustable Desk (Black)
3280 SmartPoints
worth S$369
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View more rewards
Get $250 Cash or 3,900 SmartPoints (enough to redeem an Apple AirPods Pro 3 worth S$349) when you apply and spend a min. of S$400 within 30 days! T&Cs apply.
Valid till 15 Jun 2026
ARE YOU ELIGIBLE?
MoneySmart Exclusive Promotion is valid from 01-June-2026 to 15-June-2026
Applicable for New-to card holders only
Customers need to apply through MoneySmart to be eligible,
Charge at least S$400 worth of Qualifying Transaction to your card within 30 days of your application being approved
WHAT YOU NEED TO KNOW
Log into your MoneySmart account and submit your claim within 4 weeks when you receive your Unique Redemption Code from OCBC.
OCBC will send the Unique Redemption Code via SMS within 4 calendar month after you have met the minimum spend criteria.
Use 3,900 SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions.
Please note that all rewards (Cash or SmartPoints) will typically be fulfilled 8 - 10 weeks after the submission of Claim Form to MoneySmart.
MoneySmart exclusive gifts and rewards do not stack with external or third party promotions unless otherwise stipulated. Kindly refer to T&Cs for details
Card Details
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OCBC 365 Credit Card Benefits 2025
Pros & Cons Of OCBC 365 Credit Card
Pros
- 5% cashback on everyday dining (including local, overseas and online food delivery)
- 6% 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
- 0.25% cashback on all other transactions
- Up to 22.92% fuel savings at Caltex, up to 20.2% fuel savings at Esso
- 2 years annual fee waiver available for principal card and supplementary card
- Exclusive access to OCBC WowDeals App which provides limited deals and promotions only for OCBC cardholders
Cons
- Interest rate of 27.78%, which is higher than some cashback credit cards (as per MoneySmart’s Credit Cards comparison tool)
- Min. spend of $800 per month, with cashback capped at S$80 per month
- Min. spend of $1600 per month to qualify for $160 cashback per month
- Cash advance transaction fee
- Foreign currency transaction fee
- Overlimit fee
Find Out More About The OCBC 365 Credit Card In Our Blog Review!
OCBC 365 Credit Card Interest Rates & Fees
Considering that the OCBC 365 Credit Card charges a reasonable annual fee and offers annual fee waiver for the first two years, this card will only be worth getting if you spend enough to offset the cost of annual fee in the third and subsequent years, and to maximise the key benefits of 5% cashback on everyday dining, 6% cashback on fuel spend, and 3% cashback on groceries and other eligible categories.
Compare OCBC 365 Credit Card vs. Citi Cash Back+ Card vs. SCB Smart Credit Card
In terms of annual fee, you’ll definitely save more with the Standard Chartered Smart Credit Card as compared to the OCBC 365 Credit Card and Citi Cash Back + Card, as you wouldn’t have to pay any annual fees for it.
When it comes to cash back benefits, the OCBC 365 Credit Card takes the cake with the most attractive perks as compared to the Standard Chartered Smart Credit Card and Citi Cash Back + Card, offering the highest cash back returns in terms of 5% cashback on everyday dining (including local, overseas and online food delivery) and 6% cashback on fuel spend at all petrol service stations locally and overseas.
However, the OCBC 365 Credit Card requires a minimum spend of $800 per month, with cashback capped at S$80 per month or a minimum spend of $1600 per month to qualify for $160 cashback per month, unlike the Standard Chartered Smart Credit Card and Citi Cash Back + Card which do not have minimum spend requirements.
Another great thing about the OCBC 365 Credit Card is the savings on fuel Up to 22.92% fuel savings at Caltex, up to 20.2% fuel savings at Esso
Annual fee:$196.20 (incl. 9% GST) for Year 3 onwards (annual fee waiver available for first two years)
Minimum annual income:
Cash back benefits:
Annual fee:$196.20 (incl. 9% GST) for Year 1 (First year waiver available)
Minimum annual income:
Cash back benefits:
Annual fee:None
Minimum annual income:
Cash back benefits:
OCBC 365 Credit Card Application
Here are 3 simple steps to apply for the OCBC 365 Credit Card
Apply via MoneySmart’s credit cards page
You may begin your application by clicking on our OCBC 365 Credit Card application link. When you choose to apply online or through the OCBC Mobile Banking app and via SingPass MyInfo, OCBC will pull your identity and income data from SingPass (which is already verified), thus cutting short the processing time. The approval-in-principle page will appear within minutes of submitting your MyInfo.
Provide all documentation required
- NRIC or other identification details
- Latest computerised payslip
- Latest 12 months’ CPF Contribution History Statement
- Latest Income Tax Notice of Assessment (NOA)
Receive your OCBC 365 Credit Card
You’ll be able to activate your OCBC 365 Credit Card instantly through the OCBC Mobile Banking app, and enter a One-Time Password (OTP) after keying in your 6-digit Online Banking PIN to secure all your credit card transactions. Thereafter, it’s ready for you to use on any of your purchases and you can track your cash back rewards with your OCBC Mobile Banking app!
Frequently Asked Questions About OCBC 365 Credit Card
Are there any fees if I apply for the OCBC 365 Credit Card?
- OCBC charges an initial annual fee of $196.20 (incl. 9% GST, with waiver available for the first two years), and other fees like supplementary card annual fee, late payment fee, minimum monthly payment, foreign currency transaction fee, cash advance transaction fee, overlimit fee.
Am I eligible for the OCBC 365 Credit Card?
- If you’re a Singapore Citizen, Permanent Resident (PR) or foreigner with a valid Singapore Employment Pass, you’re eligible to apply for the OCBC 365 Credit Card, as long as you’re aged 21 and above, and earn a minimum annual income of $30,000 (for Singaporeans and PRs) or $45,000 (for foreigners).
If I’m late for my monthly OCBC 365 Credit Card bill payment, how much do I have to pay?
- Late payment charge is S$100 and additional interest will be calculated on a daily basis at the most updated EIR determined by OCBC at the point of your late payment.