Updated February 2019
Find the latest OCBC credit card promotions in Singapore. Get free luggage, cash rebates, bonus miles and other attractive gifts when you sign up for these credit cards.
6%
Cashback on Everyday Dining (Including Local, Overseas and Online Food Delivery)
S$80
Cashback Cap per month
S$800
Min. Spend per month
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 Mobile Payments
S$60
Cash Back Cap per month
S$300
Min. Offline Spend per month
| 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
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 |
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
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
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 |
1%
Cash Back with Monthly Instalment Bill of S$1,000 and above
S$100
Cash Back Cap per month
S$0
Min. Spend per month
1%
Cash Back with Monthly Instalment Bill of S$1,000 and above
S$100
Cash Back Cap per month
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 |
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
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 |
We all have that one relative or friend who swears by credit card sign-up promotions. Every time you see them, they seem to have a new piece of Samsonite luggage for their collection or a wad of Takashimaya vouchers to blow.
Unlike with rewards or miles credit cards, such introductory promotions typically do not require you to accumulate and redeem points. Instead, banks offer attractive sign-up gifts like branded luggage to entice new customers. The credit card itself can be any sort of card.
Here are 3 common types of promotions offered by credit cards in Singapore:
Promotional freebies that await when you sign up for a credit card. Apart from that perennial favourite – free luggage – there are also variations such as free mobile data and free petrol. Some credit cards also offer the chance to win bigger-ticket prizes such as package holidays or limited edition branded goods.
Miles credit cards or rewards credit cards will sometimes sweeten the deal for newcomers with a big bunch of points in the first few months of card usage. These often come with substantial minimum spends.
Some cashback credit cards offer a big cash rebate, e.g. $100 cashback, upon successful application or the first spend on that card. Check if there is a minimum spend or any other catch before you jump at the chance to get free money.
Check out our blog for more personal finance tips and insights.
The ideal credit card promotion is one that merely sweetens the deal on a credit card that is already a good fit for your lifestyle and spending habits – the icing on the cake. Also, make sure you actually need the freebie on offer. If your storeroom is already bursting with 27 other American Tourister bags, maybe skip the free luggage promo this time.
By following MoneySmart, of course! Bookmark this page for the latest promotions and keep up with our blog as we’ll feature noteworthy credit card news as it happens.
It can be tempting to sign up for many credit cards just for the introductory freebies, but having too many cards can have unintended consequences. For one thing, if you cannot keep track of your credit cards, you are more susceptible to credit card fraud. Applying for too many credit cards or having unused credit cards lying around also does not help your credit score should you wish to take out a loan in the future.