Compare the Best OCBC Credit Cards in Singapore 2026
Compare and find your ideal OCBC card with MoneySmart’s easy-to-use credit card comparison tool.
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FEATURED OFFERS
We found 8 OCBC credit cards for you!
High Spend on Dining
APPLY NOW for OCBC 365 Credit Card
on OCBC's secure site
Earn 1.6% unlimited cashback
APPLY NOW for OCBC INFINITY Cashback Card
on OCBC's secure site
Earn Miles That Don't Expire
APPLY NOW for OCBC 90°N Card
on OCBC's secure site
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Earn up to 6 miles per S$1 spent
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APPLY NOW for OCBC Rewards Credit Card
on OCBC's secure site
Earn Miles That Don't Expire
APPLY NOW for OCBC 90°N Visa Card
on OCBC's secure site
Earn up to 10% cashback
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Latest OCBC Credit Card Promotions & Offers (2026)
Looking for the best OCBC credit card deals available? Here’s a roundup of MoneySmart-exclusive promotions for Singapore 2026. From cash rewards to SmartPoints and lucky draws, these are the offers you won’t want to miss.
Apply through MoneySmart to enjoy these perks; because chances are, they’re not as good as ours elsewhere. 😉
Apply through MoneySmart to enjoy these perks; because chances are, they’re not as good as ours elsewhere. 😉
Comparison: OCBC Credit Card Benefits by Category
Different OCBC credit cards shine in different ways; from cashback on everyday essentials to air miles that never expire. Use this benefits table to quickly find the best OCBC card for your lifestyle and spending habits.
| Card | Key Benefits | Annual Fee (Waiver) | Minimum Spend / Cap | Minimum Annual Income (SG/PR) | Minimum Annual Income (Foreigners) |
|---|---|---|---|---|---|
| OCBC 365 Credit Card | 6% cashback on eligible petrol, including up to 29.5% off fuel at Caltex, Esso, and Sinopec 5% cashback on eligible dining worldwide and online food delivery 3% cashback on eligible groceries worldwide, land transport, Watsons, streaming services, EV charging, and utilities Best for families and daily essentials |
$196.20 (Waived 2 years; subsequent waiver with $10,000 annual spend) | First tier: Minimum $800 spend per month, capped at $80 cashback Second tier: $1,600 spend per month, capped at $160 |
$30,000 ($15,000 if age 55+) | $45,000 |
| OCBC INFINITY Cashback Card | Flat 1.6% unlimited cashback Best for fuss-free with no category restrictions |
$196.20 (1st year waived) | No minimum spend; no cashback cap | $30,000 ($15,000 if age 55+) | $45,000 |
| OCBC Rewards Credit Card | Up to 10X OCBC$ (4 miles per $1) on eligible retail and online spend; 15X OCBC$ (6 miles per $1) at select partner merchants | $196.20 (Waived 2 years) | 10X bonus rewards points capped at $1,000 per month | $30,000 ($15,000 if age 55+) | $45,000 |
| OCBC 90°N Mastercard & Visa | Up to 7 miles per $1 on eligible Agoda spend, 1.3 miles per $1 on eligible local spend, 2.1 miles per $1 on eligible foreign currency spend Miles never expire; flexible redemption for flights/hotels |
$196.20 (Waived 2 years) | No minimum spend; no miles cap | $30,000 ($15,000 if age 55+) | $45,000 |
| OCBC FRANK Card | 8% cashback on eligible foreign currency transactions and online/contactless local mobile transactions Extra 2% green cashback on select eco-friendly merchants Best for students and young working adults |
$80 (Waived 2 years) | Minimum $800 spend per month, capped at $100 cashback | $30,000 ($15,000 if age 55+) | $45,000 |
| OCBC NXT Card | 1% cash rebates with minimum spend + 0% auto-instalments across 3 or 6 months | $196.20 (Waived 2 years) | Minimum $1,000 spend per month, capped at $100 cash rebates; otherwise, 1% cash rebate rate drops to 0.5% rate | $30,000 ($15,000 if age 55+) | $45,000 |
| OCBC Cashflo Card | Up to 1.2% cash rebates with minimum spend + 0% auto-instalments across 3, 6, or 12 months | $196.20 (Waived 2 years) | Minimum $1,000 spend per month, capped at $100; otherwise 1.2% cash rebate rate drops to 0.3% rate | $30,000 ($15,000 if age 55+) | $45,000 |
Best OCBC Credit Cards for Every Lifestyle in Singapore
Not all OCBC cards are built the same; some are best for families, others for travellers, and some for online shoppers. Here’s our breakdown of which OCBC credit card matches different spending styles and life stages.
OCBC 365 Credit Card
👨👩👧👦 Families & Everyday Essentials
If your household spends heavily on groceries, petrol, and dining (both dine-in and delivery), the OCBC 365 is a practical fit. With cashback across these everyday categories, it’s especially useful for families managing recurring expenses. The card also covers utilities and transport, making it a true all-rounder for daily needs.
OCBC 90°N Mastercard & Visa
✈️ Frequent Travellers
The 90°N series is tailored for wanderlusters. Miles earned never expire, and redemptions are flexible across airlines, hotels, and upgrades. Whether you’re planning a once-a-year family trip or fly frequently for work, this card ensures your rewards remain valuable until you’re ready to redeem.
OCBC Rewards Credit Card
🛍️ Online & Retail Shoppers
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Love online shopping sprees, home furnishing, or retail therapy? The OCBC Rewards card offers 10X OCBC$ (4 miles per $1) for most online and retail transactions, and 15X OCBC$ (6 miles per $1) at key merchants like Lazada, Shopee, TikTok Shop, and Watsons. Perfect for big spenders who want to turn retail habits into miles.
OCBC INFINITY Cashback Card
💳 Simple Spenders
If you prefer not to track categories or minimum spend requirements, the INFINITY Cashback Card is your go-to. With 1.6% unlimited cashback on all eligible purchases, it’s best for busy professionals or retirees who value fuss-free rewards.
OCBC FRANK Card
🎓 Students & Young Adults
Designed with younger cardholders in mind, the FRANK Card rewards online and contactless payments — exactly how most students and first-jobbers spend. Its lower annual fee and accessible entry make it a solid first credit card option.
OCBC NXT Card & OCBC Cashflo Card
🚇 Young Professionals & Budget Managers
The OCBC NXT Card caters to the lifestyle of new working adults, offering perks across dining, entertainment, and transport. If you’re starting out in your career and want a card that matches your social lifestyle, this is a strong entry-level choice.
Meanwhile, for those who want more control over their monthly expenses, the OCBC Cashflo Card automatically splits your purchases into interest-free instalments. While it doesn’t offer rewards, it’s invaluable for disciplined budgeting and cashflow management.
How to Choose the Best OCBC Credit Card in Singapore
Still unsure which OCBC card to pick? Don’t worry, here’s a step-by-step guide to help you decide. By focusing on your spending habits, fees, and lifestyle needs, you can quickly identify which OCBC card delivers the most value.
1. Cashback vs miles vs rewards
2. Annual fees
Most OCBC cards waive fees for the first one to two years. Beyond that, you may need to hit an annual spend threshold (e.g., $10,000/year on the OCBC 365 card) to continue enjoying fee waivers.
Meanwhile, students and young adults can look towards the OCBC FRANK Card, which has a much lower annual fee.
Meanwhile, students and young adults can look towards the OCBC FRANK Card, which has a much lower annual fee.
3. Minimum spend & caps
OCBC 365: Requires at least $800 monthly spend for enhanced cashback rates, capped at $160.
OCBC INFINITY Card: No minimum spend; unlimited 1.6% cashback.
OCBC Rewards Card: No minimum spend; bonus 10X OCBC$ capped at $1,000 eligible spend per month.
OCBC NXT Card: Up to 6% cashback on dining if you spend at least $1,000 per month (capped at $100 cash rebates).
OCBC Cashflo Card: No rewards focus; instead offers auto 0% instalments with up to 1.2% cash rebate with minimum $1,000 spend per month (capped at $100 cash rebates).
4. Annual income eligibility
5. Lifestyle fit
Pick based on your biggest expenses:
Families → OCBC 365 (groceries, petrol, dining).
Frequent travellers → OCBC 90°N (miles that never expire).
Shoppers → OCBC Rewards (online/retail spend).
Simple spenders → OCBC INFINITY (flat cashback).
Students → OCBC FRANK (online/contactless).
Young professionals → OCBC NXT (lifestyle perks).
Budget managers → OCBC Cashflo (instalment payments).
OCBC Credit Card Eligibility & How to Apply in Singapore
Before you hit apply, make sure you actually qualify. Here’s a detailed step-by-step guide to OCBC’s eligibility requirements and the application process.
Eligibility Criteria
- Age requirement: Must be at least 21 years old
- Citizenship: OCBC credit card applications are open to Singapore citizens, permanent residents, and eligible foreigners.
- Minimum income requirements: $30,000 for Singaporeans/PRs (aged 21–54); $15,000 for Singaporeans/PRs (55 years and above); $45,000 for foreigners
How to Apply for an OCBC Credit Card?
Step 1
Check eligibility
Review the criteria above and ensure you meet the requirements for your chosen card.
Step 2
Prepare necessary documents
While the supporting documents for credit card applications differ from bank to bank, here's a rough gauge of what to typically expect:
For Singaporeans/PRs
NRIC and proof of income (latest payslips, CPF contribution history, or Notice of Assessment).
For Foreigners
Passport, employment pass, and proof of income.
For Singaporeans/PRs
NRIC and proof of income (latest payslips, CPF contribution history, or Notice of Assessment).
For Foreigners
Passport, employment pass, and proof of income.
Step 3
Apply via MoneySmart
Select your preferred OCBC credit card from this page and click on the corresponding "Apply Now" button.
Before reaching the card application form, you'll be redirected to our MoneySmart Rewards Form to fill out your email address to register and qualify for our exclusive sign-up rewards! 🎁
Thereafter, proceed to fill up the application form either manually or have your personal particulars automatically pulled from SingPass.
Alternatively, you may also sign up for credit cards via the banks' online portals or physical branches.
Before reaching the card application form, you'll be redirected to our MoneySmart Rewards Form to fill out your email address to register and qualify for our exclusive sign-up rewards! 🎁
Thereafter, proceed to fill up the application form either manually or have your personal particulars automatically pulled from SingPass.
Alternatively, you may also sign up for credit cards via the banks' online portals or physical branches.
Step 4
Wait for card application approval
OCBC will review and process your application, usually within a few business days, at times almost instantaneously.
If extra supporting documents are required, banks will also follow up quickly to minimise delays.
If extra supporting documents are required, banks will also follow up quickly to minimise delays.
Step 5
Receive & activate your OCBC credit card
Once your OCBC credit card is approved, congrats!
You can activate your OCBC credit card instantly through the OCBC mobile app > Tap on "More" > Select "Card Services" > Select your card + enter card expiry date > Done! ✨
Alternatively, you can wait for the physical credit card to be mailed to you. But essentially, once it's activated, you can start using your new OCBC credit card for your purchases and you can track your miles, rewards, or cashback on the OCBC mobile app!
You can activate your OCBC credit card instantly through the OCBC mobile app > Tap on "More" > Select "Card Services" > Select your card + enter card expiry date > Done! ✨
Alternatively, you can wait for the physical credit card to be mailed to you. But essentially, once it's activated, you can start using your new OCBC credit card for your purchases and you can track your miles, rewards, or cashback on the OCBC mobile app!
Step 6
⭐ Redeem your sign-up bonuses
Don’t forget to claim your bonus! Most promos require spending a set amount within 30–60 days. Mark the expiry dates so you don’t miss out.
Best Things in Life Come... Almost Free? 🎁
Want to be rewarded even more? Check out our latest MoneySmart credit card promotions for more goodies!
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Get rewarded with SmartPoints when you apply for selected credit cards through MoneySmart. If you don’t need a Dyson hair dryer or vacuum cleaner, you can get the gift that you really want at our Rewards Store, whether it's the latest Apple and Sony gadgets or Amazon vouchers and beyond!
2 Ways To Earn SmartPoints
#1: Apply for financial products
Compare and apply for financial products to earn a massive amount of SmartPoints—as much as 5,100! Currently, you can earn SmartPoints on selected Citibank, Standard Chartered, OCBC, and HSBC credit cards, with more products to be included soon.
#2: Top-up your SmartPoints for bigger gifts
Not enough SmartPoints to redeem a specific reward? Don’t fret! Simply purchase additional SmartPoints from our store, and you’ll be able to redeem any reward you want.
Imagine this: you earn 5,040 SmartPoints by signing up for a financial product. Now, an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) might set you back over $500 elsewhere. But with your SmartPoints, you only need to add 1,100 SmartPoints more. So, it’s like getting a sleek new iPad for just $110. Who doesn’t love a good deal?
Here’s another illustration of how the top-up of SmartPoints works:
Visit our Rewards Store to explore our range of rewards today.
Here’s another illustration of how the top-up of SmartPoints works:
Visit our Rewards Store to explore our range of rewards today.
OCBC Credit Card Rewards
There are 2 main types of OCBC rewards points: OCBC$ points for most rewards credit cards and 90°N miles for the OCBC 90°N credit card (and VOYAGE Miles for the elite OCBC Voyage credit card). No matter which OCBC rewards programme you’re on, all rewards points will only be awarded for every S$1 spent.
OCBC$ Rewards Points
Earned on cards like the OCBC Rewards. Typically awarded at 1 OCBC$ per $1 spend, with bonus earn rates (up to 15X OCBC$) on eligible online and retail categories. OCBC$ can be redeemed for cash rebates, KrisFlyer miles, or vouchers via OCBC’s STACK Rewards portal. OCBC$ points are valid for 2 years.
OCBC Cashback
For cashback cards like the OCBC 365 Credit Card, OCBC FRANK Card, and OCBC INFINITY Cashback Card, your rebates are credited directly to your monthly statement. Cashback rates vary by category — for example, the 365 offers up to 6% on dining and petrol with minimum spend, while the INFINITY gives 1.6% unlimited cashback.
Frequently Asked Questions about OCBC Credit Cards
What is OCBC’s credit card interest rate?
- The interest rate for OCBC credit cards is 27.78% per annum. That means, if you don’t pay your credit card bill in full this month, the amount which you didn’t pay on time (your outstanding card balance) will be charged interest for every month that you continue not paying for it.
What is the best OCBC credit card for a student?
- OCBC does not have a student credit card, unlike other banks that may offer S$500 student credit cards with no minimum income. Fresh graduates may consider the OCBC Frank Card, which is largely marketed at young adults. Like all other credit cards in Singapore, you need to have an annual minimum income of S$30,000.
How do you contact OCBC?
- The OCBC customer service hotline is 1800 363 3333. To call OCBC Singapore from overseas, dial +65 6363 3333.
How do I pay bills with my OCBC credit card?
- In order to pay bills directly from your OCBC bank account or OCBC credit card, you can either pay via the OCBC mobile app or OCBC online banking.
Step #1: Login with access code + PIN or fingerprint ID- [If mobile app] Log in > Tap "Pay" within menu bar on top left
- [If desktop] Log in with your access code and PIN
Step #2: Navigate to bill payment- [If mobile app] Tap on "Bill payment" > Select "Billing organisation"
- [If desktop] Click on "Payments and transfers" > Select "Pay bills"
Step #3: Set up single bill payment details- [If mobile app] Tap on "Single bill payment" > Select billing organisation > Fill in bill reference number > Slide to submit
- [If desktop] Select "Pay billing organisation"
Step #4: Review payment details & done!
At this stage, you may choose to select "Add this billing organisation" if on mobile. Otherwise, you're done paying your OCBC credit card bill! How do I reset my OCBC credit card PIN?
- 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.
Can foreigners apply for OCBC credit cards?
- Yes, foreigners are welcome to apply for OCBC cards as long as they meet the income requirement of at least $45,000 per year. Most OCBC cards, including the FRANK, INFINITY, and others, are open to expats who can provide valid documents and proof of income.
How do I redeem OCBC rewards and rebates?
- OCBC card cash rebates and rewards (including OCBC$) are usually credited to your account after meeting the spend conditions and submitting claims where required. Most points or rebates can then be redeemed online through the OCBC Rewards portal or used to offset future statements.
How to redeem or claim MoneySmart sign-up rewards?
- For MoneySmart promos, remember to submit your redemption claim code promptly. You can usually expect to receive your rewards 8 to 10 weeks after your claim submission. From there, feel free to browse our MoneySmart Rewards Store for all the latest gifts, branded products, vouchers, and more!
For step-by-step instructions and troubleshooting tips, refer to our Redemption Guide. Can I stack MoneySmart promos with bank promos?
- Not usually, unless explicitly stated. MoneySmart promos are exclusive.
Do OCBC miles ever expire?
- No, the OCBC 90°N miles never expire—making them ideal for travellers.
How to cancel an OCBC credit card?
- To cancel an OCBC credit card, you can do so via the OCBC app or OCBC internet banking.
If via the OCBC app:
- Log in to OCBC app > Tap on "More" icon on bottom navigation bar
- Tap on "Card services" > Choose "Cancel card" > Select card to cancel
- Done!
The steps are similar via OCBC internet banking, except instead of "Card Services" option, look for "Customer Service" to cancel your card.
Do remember to utilise all your OCBC rewards points, transfer your air miles, and pay your credit card bill in full before you terminate your credit card. If you still have other OCBC credit cards, your OCBC$ rewards points will pool and remain in your rewards account. How do I waive OCBC credit cards annual fee?
- OCBC credit card annual fees are usually waived for the first 2 years upon card application. However, when the free annual fee waiver ends, you have to meet annual minimum spending requirements to qualify for further fee waiver.
- Log in with your access code + PIN or OCBC OneLook™️or OCBC OneTouch™️
- Navigate to "Request fee waiver / credit card fee waiver" > Select card to request waiver for > Submit request
- Done!
How to activate overseas card usage for OCBC credit cards?
- To activate the overseas usage for your OCBC card, follow these steps on your OCBC mobile app:
- Login using access code PIN, fingerprint ID, or SingPass
- Navigate to "Manage overseas usage / Overseas card use" > Select OCBC credit card for overseas transactions > Accept T&Cs > Review and submit card details
- Remember to authorise your transaction using the OCBC app and you're done!
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