OCBC credit cards

Compare the best OCBC credit card rewards, cashback, travel benefits, and perks.

By   |   Verified by Kwok Zhong Li   |   Updated 5th August 2022

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Comparing OCBC credit cards

OCBC 365 Credit Card

On OCBC's website

OCBC 365 Credit Card

Cashback

Up to 6.00% on dining spend

Cashback cap

$80.00 on any spend

Minimum spend

$800.00 per month

Sign up bonus

N/A

Highlights

  • 6% cashback on dining and online food delivery.
  • 3% cashback on groceries, travel, land transport, utilities and online travel.
  • Save up to 22.1% at Caltex and 20.2% at Esso on petrol, as well as 5% cashback at all other petrol stations
  • All other purchases still get you 0.3% rebate
  • Up to $500,000 travel insurance coverage and up to $400 coverage for baggage loss

Bank promo

  • Earn cashback 7 days a week, 365 days a year, everywhere.

Pros

  • Dig a great dining deal? 6% rebate on local and overseas dining every day and for online food delivery
  • 3% rebate on local, overseas and online groceries, travel, land transport and recurring bills
  • Save up to 23% at Caltex and 20.4% at Esso on petrol, as well as 5% Cashback at all other petrol stations

All other purchases still get you 0.3% rebate

  • Cash rebate is auto credited to you

Cons

  • Min annual income of $30,000 for citizens/PRs or $45,000 for foreigners
  • Annual fee waived the 1st 2 years, but $192.60 for principal card and $96.30 for supplementary card after
  • If you can’t spend min $800 each month, you get a reduced rate of 0.3% rebate on all your spending
  • Earn max $80 rebate each month
  • Free travel insurance only when your air ticket is charged to your card

Bank Promo

  • $50 cash rebate upon approval, no min spend required
  • Only applicable to new OCBC cardholders
OCBC Titanium Rewards Credit Card (Blue)

On OCBC's website

OCBC Titanium Rewards Credit Card (Blue)

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Earn 50 OCBC$ (worth 20 miles) for every S$5 spent on eligible online and retail purchases
  • Earn 5 OCBC$ on all other spend
  • Additional 2% cash rebate when you spend at BEST Denki

Bank promo

  • Redeem $50 Titanium Cash when you earn 18,000 OCBC$

Pros

  • Earn 10 points per $1 spend at department stores or on clothes, shoes, bags, electronics, gadgets, kid's wear, or personal care
  • Earn 10 points per $1 spend for online purchases at selected merchants
  • All other purchases still earn you 1 point per $1 spend
  • Redeem points as miles, vouchers, or cash to offset purchases on the spot

Cons

  • Min annual income of $30,000 for citizens/PRs or $45,000 for foreigners
  • Annual fee waived the 1st 2 years, but $192.60 for principal card and $96.30 for supplementary card after
  • Points last only 2 years
  • Enjoy e-Commerce Protection coverage of up to USD200 per year
  • Maximum 120,000 points earned per annum, 1 point per $1 spend after

Bank Promo

  • $50 cash rebate upon approval, no min spend required
  • Only applicable to new OCBC cardholders
OCBC Titanium Rewards Credit Card (Pink)

On OCBC's website

OCBC Titanium Rewards Credit Card (Pink)

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Earn 50 OCBC$ (worth 20 miles) for every S$5 spent on eligible online and retail purchases
  • Earn 5 OCBC$ on all other spend
  • Additional 2% cashback when you spend at BEST Denki.
  • All online purchases on your OCBC Titanium Rewards Card come with e-Commerce Protection, which safeguards you against non-delivery or defective goods or if the seller fails to reimburse you.
  • Waived annual fee for the first 2 years (S$192.60 p.a. thereafter).

Bank promo

  • Nothing at the moment.

Pros

  • Earn 10 points per $1 spend at department stores or on clothes, shoes, bags, electronics, gadgets, kid's wear, or personal care
  • Earn 10 points per $1 spend for online purchases at selected merchants
  • All other purchases still earn you 1 point per $1 spend
  • Redeem points as miles, vouchers, or cash to offset purchases on the spot

Cons

  • Min annual income of $30,000 for citizens/PRs or $45,000 for foreigners
  • Annual fee waived the 1st 2 years, but $192.60 for principal card and $96.30 for supplementary card after
  • Points last only 2 years
  • Enjoy e-Commerce Protection coverage of up to USD200 per year
  • Maximum 120,000 points earned per annum, 1 point per $1 spend after

Bank Promo

  • $50 cash rebate upon approval, no min spend required
  • Only applicable to new OCBC cardholders
OCBC Cashflo Credit Card

On OCBC's website

OCBC Cashflo Credit Card

Cashback

1% on any spend

Cashback cap

$100.00 on any spend

Minimum spend

$1,000.00 per month

Sign up bonus

N/A

Highlights

  • 0% instalments with rebates.
  • Earn 0.5% cashback if your monthly bill is less than S$1,000 and 1% cashback if your monthly bill is equal or greater than S$1,000. Capped at S$100 a month.
  • Automatically splits your payments across 3 months for transactions between S$100 to S$1,000 or across 6 months for transactions equal to or greater than S$1,000.

Pros

  • 1% rebate if you spend min $1,000 each month, and if you don't meet $1,000, no problemo, you still earn 0.5% rebate

Cons

  • Min annual income of $30,000 for citizens/PRs or $45,000 for foreigners
  • Annual fee waived the 1st 2 years, but $160.50 for principal card and $80.25 for supplementary card after
  • Earn max $100 rebate each month

Bank Promo

  • $50 cash rebate upon approval, no min spend required
  • Only applicable to new OCBC cardholders
OCBC Arts Credit Card

On OCBC's website

OCBC Arts Credit Card

Cashback

20.00% on entertainment spend

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Priority booking for shows by Singapore Dance Theatre, Singapore Lyric Opera and T.H.E Dance Company.
  • Enjoy up to 20% off ticket prices to both local and international productions.
  • Earn 15 OCBC$ per S$5 spent on SISTIC purchases
  • Redeem points as show tickets or invites, miles, vouchers, or cash to offset purchases on the spot

Bank promo

  • Nothing at the moment

Pros

  • Arts buffs will be pleased to earn 3 points per $1 spend with Sistic
  • All other purchases still earn you 1 point per $1 spend
  • Redeem points as show tickets or invites, miles, vouchers, or cash to offset purchases on the spot

Cons

  • Min annual income of $30,000 for citizens/PRs or $45,000 for foreigners
  • Annual fee waived the 1st 2 years, but $160.50 for principal card and $80.25 for supplementary card after
  • Points last only 2 years
OCBC Frank Credit Card

On OCBC's website

OCBC Frank Credit Card

Cashback

Up to 6.00% on any foreign currency spend

Cashback cap

Up to $25.00

Minimum spend

$600.00 per month

Sign up bonus

N/A

Highlights

  • 6% cashback for online purchases on your favourite sites and apps such as Grab, Lazada, ASOS, Spotify and Netflix.
  • 6% cashback for contactless mobile payments and foreign currency spending made in-store.

Pros

  • 6% rebate on your online shopping and Grab rides
  • TGIF yeah! Get 5% rebate at local bars, cinemas, KTVs, and clubs from Fri to Sun, 3% on other days
  • 5% rebate at selected cafés from Fri to Sun, 3% on other days

Cons

  • Min annual income of $30,000 for citizens/PRs or $45,000 for foreigners
  • Annual fee waived the 1st 2 years, but $80 for principal card and $40 for supplementary card after
  • If you can’t spend min $400 each month, excluding online and Auto Top-Up purchases, you get a reduced rate of 0.3% rebate on all spends
  • Earn max $60 rebate each month

OCBC Plus! Visa Credit Card

On OCBC's website

OCBC Plus! Visa Credit Card

Cashback

Up to 20.30% on petrol spend

Cashback cap

N/A

Minimum spend

$500.00 per month

Sign up bonus

N/A

Highlights

  • Up to 12% off at Fairprice outlets, Unity and Warehouse Club.
  • Up to 8% off on online purchases at Fairprice.
  • Save up to 20.3% fuel savings.
  • Take advantage of our exclusive card promotions with OCBC Cards islandwide.

Bank promo

  • Get up to 12% rebate at FairPrice and enjoy LinkPoints rebates at participating Plus! merchants

Pros

  • Shop away at Fairprice with 7% rebate at Fairprice outlets and Warehouse Club and 3% at Fairprice Online
  • 3% rebate at Unity and Popular
  • 1% rebate on your recurring bills with M1, Starhub, and Singtel
  • 0.22% rebate on all Visa spends
  • Rebates can be redeemed as vouchers and items or used to offset future purchases

Cons

  • Min annual income of $30,000 for citizens/PRs or $45,000 for foreigners
  • Principal card is free the 1st year but costs $107 per year after, supplementary card is free
  • Spend min $500 each month, outside of Fairprice and Unity, to get the full rebate in the form of Linkpoints
  • If you spend less than $500 but at least $200, you get a reduced rate of 4% rebate at Fairprice and Warehouse Club, 3% at Fairprice Online, and 3% at Unity
  • 0.22% Linkpoint rewards per $1 spend

Bank Promo

  • $50 cash rebate upon approval, no min spend required (only applicable to new OCBC cardholders)
  • $20 additonal cash credit for adding an NTUC-OCBC Starter or Plus! Savings Account to your card application (limited to 1st 1000 new account opening per month)
OCBC Platinum Credit Card

On OCBC's website

OCBC Platinum Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Earn 5 OCBC$ for every S$5 spent
  • Enjoy discounts and special deals for travel, dining, health, wellness and recreational activities with the family.

Bank promo

  • Nothing at the moment

Pros

  • Earn 1 point per $1 spend
  • Redeem points as miles, as nifty vouchers for petrol, shopping, or dining, or as cash to offset purchases on the spot

Cons

  • Min annual income of $30,000 for citizens/PRs or $45,000 for foreigners
  • Annual fee waived the 1st 2 years, but $160.50 for principal card and $80.25 for supplementary card after
  • Points last only 2 years
OCBC Robinsons Group Credit Card

On OCBC's website

OCBC Robinsons Group Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

$10,000.00 per month

Sign up bonus

N/A

Highlights

  • 5% rebate at Robinsons and another 18 fashion or lifestyle brands
  • Get those rebates on top of existing store discounts or promos
  • No cap in your way of more cash rebate
  • Cash rebates are credited instantly
  • Earn 1 point per $2 spend outside of Robinsons and the 18 brands and 3 points per $2 overseas spend for rewards

Bank promo

  • Receive 5% rebate on the first S$5,000 spent and 10% rebate on additional spend beyond S$5,000 during the same qualifying periods at Robinsons and Marks & Spencer.

Pros

  • If Robinsons is your go-to store for all fixes, you’ll love the 5% rebate there and at another 18 brands such as Marks & Spencer and Royal Sporting House
  • Get those rebates on top of existing store discounts or promos
  • No cap in your way of more cash rebate
  • Cash rebates are credited instantly
  • Cash rebates offset your shopping at Robinsons and the 18 brands

Cons

  • Min annual income of $30,000 for citizens/PRs or $45,000 for foreigners
  • Annual fee waived the 1st year, but $192.60 for principal card and $96.30 for supplementary card after
  • Bank promo is only applicable to new OCBC cardholders with OCBC Robinsons Group Credit Card, and spend min $500 in the 1st month
  • Overseas transactions in Singapore currency are not eligible for 3x points
  • To qualify for instalment payment, min $500 needs to be spent in a single receipt and plan must be applied for at point of sale