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 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 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 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 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 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 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 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 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 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