Get a Hinomi Q1 Ergonomic Chair (worth S$499) OR a Apple AirPods 3rd Gen (worth S$261.40) OR S$280 Amazon SG Gift Card OR S$250 Cash via PayNow when you apply and spend a min. of S$500 in Qualifying Spend within 30 days of card approval. T&Cs apply.
PLUS, stand a chance to win a Panerai Radomir Quaranta Timepiece (worth S$8,700) OR 16,490 SmartPoints (worth an iPhone 15 Pro, 128GB in the Rewards Store) OR 5,990 SmartPoints (worth an Apple Watch Series 9 (GPS), 41mm in our Rewards Store) when you apply through MoneySmart! T&Cs apply. Check out our past Lucky Draw winners here.
MoneySmart Exclusive promotion is valid from 01-December-2023 to 31-December-2023
Applicable for New-to card holders only
Customers need to apply through MoneySmart to be eligible,
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 when you have met the Qualifying Spend criteria
Spend a min. of S$500 in Qualifying Spend within 30 days from card approval date
Please note that gifts will typically be fulfilled approximately 3 - 4 months after the submission of the claim form.
MoneySmart exclusive gifts and rewards do not stack with external or third party promotions unless otherwise stipulated. Kindly refer to T&Cs for details
Families or independent individuals who pay for their own groceries and bills
Dining, Food delivery, Groceries, Transport (Grab, Go-Jek, TADA and Comfort), Petrol (most discount at Caltax and Esso), Bills and Online travel
Families, daily spending
You use your card to pay for daily essentials and occasionally use it to book your trips online
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.
At the moment, the OCBC 365 Credit Card offers the lowest interest rate as compared to the Citi Cash Back + Card and SCB Smart Credit Card, unless you qualify for the lowest available interest rate of 23.90% offered by Standard Chartered 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
Interest rate: 27.78%
Annual fee:$194.40 for Year 3 onwards (annual fee waiver available for first two years)
Minimum annual income:
Interest rate: 27.90%
Annual fee:$194.40 for Year 1 (First year waiver available)
Minimum annual income:
Interest rate: 23.9% to 29.9%
Minimum annual income:
Here are 3 simple steps to apply for the OCBC 365 Credit Card
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.
You’ll need to provide all the necessary documentation in order for OCBC to approve your credit card application. This list of documents include:
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!