OCBC credit cards

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

Bill Ryan Natividad avatar
Written by   |  
Kwok Zhong Li avatar
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Updated 5 May 2025   |   Rates updated regularly

Comparing of 8 OCBC credit cards

OCBC 365 Credit Card

On website

OCBC 365 Credit Card

Cashback

Up to 6.00% on petrol spend

Cashback cap

$160.00 on any spend

Minimum spend

S$800.00 per month

Sign up bonus

N/A

Highlights

  • Earn 6% cashback on fuel spend and 5% on local and overseas dining.
  • 3% cashback on groceries, travel, land transport, utilities, streaming, and pharmacy.
  • Receive six S$6 vouchers from each of Caltex and Esso and save up to S$72.

Pros

  • The annual fee is waived for the 1st 2 years.
  • Generous cashback rates.
  • Multiple cashback categories to choose from.
  • Get a complimentary appetizer at Din Tai Fung when you pay using your Card.

Cons

  • Min annual income of $30,000 for citizens/PRs or $45,000 for foreigners
  • After 2 years, the annual fee reverts to $194.40 for the principal card and $97.20 for the supplementary card.
  • If you spend less than $800 each month, you get a reduced rate of 0.25% rebate on all your spending
  • Earn rate is capped at $160 per month.
OCBC Rewards Credit Card

On website

OCBC Rewards Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Earn 15 OCBC$ per S$1 at featured retailers that change every quarter, keeping things fresh.
  • Rack up 10 OCBC$ per S$1 on everyday retail spending, both online and in-store.
  • Redeem OCBC$ for cash rebates, air miles, vouchers, gifts, or unique experiences.
  • Score an extra 2% cash rebate when you buy electronics at BEST Denki.

Pros

  • Annual fee is waived for the first 2 years.
  • Points can be redeemed for miles, vouchers, or cash rebates to offset purchases.
  • Earn up to 180,000 bonus OCBC$ each year.
  • Comes with exclusive access to dining perks, curated experiences, and e-commerce protection.
  • Get 15 OCBC$ (6 air miles) per S$1 spent at Watsons and department stores — a limited-time boost from the usual 4 miles.

Cons

  • Minimum annual income requirement of S$30,000 for Singaporeans/PRs and S$45,000 for foreigners.
  • After the 2-year waiver, the annual fee is S$196.20 for the main card and S$98.10 for each supplementary card.
OCBC Great Eastern Cashflo Credit Card

On website

OCBC Great Eastern Cashflo Credit Card

Cashback

1.20% on any spend

Cashback cap

$100.00 on any spend

Minimum spend

S$1,000.00 per month

Sign up bonus

N/A

Highlights

  • 0% installments with rebates.
  • Earn 0.3% cashback if your monthly bill is less than S$1,000 and 1.2% 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

  • Split your bills into 3, 6, or 12-month installments.
  • Earn up to 1.2% cashback.
  • No annual fee for the first 2 years.

Cons

  • The annual fee is waived for the 1st 2 years, but you will be charged $162 for the principal card and $81 for the supplementary card after.
  • Cashback is capped at $100 each month

OCBC Arts Credit Card

On website

OCBC Arts Credit Card

Cashback

N/A

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.
  • 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

Pros

  • Earn accelerated OCBC$ on SISTIC purchases.
  • Redeem rewards via OCBC Rewards Catalogue.
  • No annual fee for the first 2 years when you meet the spend criteria.

Cons

  • The annual fee is S$163.50 for the primary card and S$81.75 for the supplementary card.
OCBC Frank Credit Card

On website

OCBC Frank Credit Card

Cashback

Up to 8.00% on any foreign currency spend

Cashback cap

Up to $25.00

Minimum spend

S$800.00 per month

Sign up bonus

N/A

Highlights

  • Get up to 10% cashback. Earn 8% in cashback on foreign currency transactions and online/contactless mobile transactions in SGD, plus earn an additional 2% when you shop at selected green merchants.
  • Earn up to S$100 in monthly cashback when you spend at least S$800 a month.
  • Earn 0.3% cashback on other eligible spending.

Pros

  • Earn 8% cashback on purchases made in foreign currency, both online and in stores.
  • Earn 8% cashback on online purchases made in SGD and contactless mobile transactions.
  • Earn an additional 2% cashback on green merchants like SimplyGo, BlueSG, Scoop Wholefoods, and more.
  • The annual fee is waived for the first 2 years

Cons

  • Cashback is capped at S$100 a month.
  • After the first 2 years, you will be charged an annual fee of S$196.20 for the principal card and S$98.10 for the additional card.
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 on your card.
  • Get access to lifestyle perks and family-friendly deals across travel, dining, health, and wellness.
  • Redeem points easily through the OCBC Rewards Catalogue for vouchers, products, or experiences.

Pros

  • Unlock hotel, flight, and travel package deals perfect for planning family getaways.
  • Enjoy dining promotions across a wide range of restaurants and cuisines.
  • Annual fee is waived for the first 2 years.
  • Use your OCBC$ to redeem air miles, vouchers for petrol or shopping, or offset your purchases instantly with cash rebates.

Cons

  • After the first 2 years, the annual fee kicks in at S$163.50 for the principal card and S$81.75 for each supplementary card.
OCBC 90°N Card

Not available for application via this website

OCBC 90°N Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

N/A

Highlights

  • Earn 2.1 Miles per S$1 on foreign currency spend (Miles will be awarded as 90°N Miles in blocks of S$5 per transaction)
  • Earn 1.3 Miles per S$1 on local spend
  • Waived annual fee on the first year.

Pros

  • Earned miles never expire,
  • No minimum spend required
  • No cap on miles earned.

Cons

  • After the first year, you will be charged an annual fee of S$54.00 for the principal card and S$54.00 if you have an additional card.
OCBC Business Credit Card

Not available for application via this website

OCBC Business Credit Card

Cashback

Up to 1% on any foreign currency spend

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

None

Highlights

  • Earn a 3% cashback on your business transactions at selected eco-friendly merchants.
  • Earn 1% on overseas transactions and 0.2% on local transactions.
  • Get up to 53 interest-free days.

Pros

  • No minimum spending is required
  • Unlimited cashback.
  • See your carbon footprint with the Sustainability Spend Index feature.

Cons

  • By invitation only.

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