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|Best For||Best OCBC Card||Summary|
|Families, homeowners||OCBC 365 Credit Card||Best OCBC cashback credit card for groceries with 3% cash rebate; dining and food delivery with 6% cash back; S$800 minimum spend per month|
|Families, homeowners||OCBC Plus! Visa Credit Card||Best OCBC cash rebates credit card for groceries at NTUC FairPrice and Unity with 7% rebates, dining and staycation promotions|
|Families, homeowners||NTUC Plus! Visa Credit Card||Best OCBC cash rebate credit card for groceries with 12% cash back at FairPrice, Lazada, and dining promotions|
|Young adults, fresh graduates, students||OCBC Frank Card||Best OCBC cash back credit card for young adults and graduates with 6% cash rebates for online and contactless spend|
|Frequent flyers, travel enthusiasts||OCBC 90N Card||Best OCBC air miles rewards credit card with Agoda promotions|
|New homeowners, young families||OCBC Titanium Rewards Card||Best OCBC rewards credit card for online and in store shopping with 10 OCBC points per dollar|
|New homeowners, young families||OCBC Cashflo||Best OCBC 0% auto-instalment payment plan credit card with 1% cash|
OCBC credit cards run generous dining, travel and online shopping promotions.
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. If you’ve had a good credit history and relationship with the bank, request for an annual fee waiver by calling the OCBC customer service hotline at 1800 363 3333. For more details about your OCBC credit cards’ terms and conditions and annual fee waiver, call 6438 6088.
|OCBC Credit Card||Fee Waiver (Years)||Annual Fee|
|OCBC 365 Credit Card||2||S$192.60|
|OCBC Plus! Visa Credit Card||1||S$107.00|
|NTUC Plus! Visa Credit Card||N/A||Free|
|OCBC Frank Card||2||S$80.00|
|OCBC 90N Card||1||S$192.60|
|OCBC Titanium Rewards Card||2||S$192.60|
|OCBC Cashflo Credit Card||2||S$160.50|
There are 3 main types of OCBC rewards points: OCBC$ points for most rewards credit cards, Travel$ for the OCBC 90N 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$5 spent. That means if you spent S$4.90 on a purchase, you will not receive any points. To check your OCBC rewards points, login to OCBC ibanking and select the “Rewards” category.
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To cancel or deactivate your OCBC credit card in Singapore, you can fill up the OCBC “Services for Credit Card” form which you can find online in PDF. In that form, you will find a “Terminate my Credit Card” section. Fill it up, print it out, and you can either mail it to OCBC or bring it to your nearest OCBC branch. Do remember to utilise all your OCBC rewards points, transfer your air miles, and pay your credit card bill in full before you terminate your credit card. If you still have other OCBC credit cards, your OCBC$ rewards points will pool and remain in your rewards account.
To activate your OCBC credit card for overseas use, simply login to your OCBC ibanking account or send an SMS.