Enjoy cashback at all your favourite brands across various categories – from daily necessities to recurring bills and more.
Here's what you can earn:
| Spend Tiers | Minimum Spend | Cashback Cap |
| Tier 1 | S$800 | S$80 |
| Tier 2 | S$1,600 | S$160 |
a month
a month
a month
a month
a month
To enjoy the above cashback, you need to spend a minimum of S$800 based on posted transactions in a calendar month. If you spend less than S$800, a flat 0.25% cashback is awarded.
Cashback amount is capped at S$160 per calendar month.
Refer to terms and conditions for more details.
Now, you can earn up to 1% in cashback on marketing expenses with your OCBC 365 Credit Card. There is no limit to the cashback you can earn and no minimum spending required.
in cashback
made with selected advertising platforms.
made with selected advertising platforms.
in cashback
made with selected advertising platforms.
made with selected advertising platforms.
Read our Terms and Conditions and FAQs for more details.
Enjoy an upsized cashback of 2.88% on certain marketing expenses with the OCBC 365 Credit Card, with no minimum spend required. This exclusive rate applies to both full payments and instalment payment plans (usually 1% and 0.5% respectively).
Valid from 2 July to 30 September 2025. Terms and conditions apply.
Here is why together is always better. Earn up to 3.30% a year on the first S$100,000 in your OCBC 360 Account when you do more with us.
Terms and conditions apply. Insured by up to S$100K by SDIC.
Sign up now and receive 6 x S$5 vouchers from Caltex and 6 x S$6 vouchers from Esso to offset your fuel purchases.
Terms and conditions apply. Refer to the welcome pack for more information.
Minimum age
21 years old
Annual income
At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners
Principal card
S$196.20 (including GST), waived for the first two years
Supplementary card
S$98.10 (including GST), waived for the first two years
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000 in one year, starting from the month in which your OCBC 365 Credit Card was issued
Other fees and charges
There are links or hyperlinks which link you to websites of other third parties (the “Third Parties”). OCBC Bank hereby disclaims liability for any information, materials, products or services posted or offered on the website of the Third Parties.
or visit us at a branch.
Cashback is not awarded on the following: Annual card fees, Cash-On-Instalments, Instalment Payment Plan, PayLite, tax payments, interest, late payment charges, cash advances, balance transfers, bill payments made via Internet Banking, AXS or SAM network, and other fees and charges.
Transactions which are performed at merchants that fall into the exclusion categories/excluded organisations as set out in the Terms and Conditions governing OCBC 365 Credit Card Cashback Programme are excluded from the calculation of the minimum spend.
The maximum amount of cashback that one account (the principal and all supplementary cardholders together) can earn each month is S$160. This works out to a total of up to S$1,920 in cashback every year.
The cashback earned on the transactions performed in the current month will be credited in the OCBC 365 card statement in the next month.
Transaction date refers to the date when a purchase is made.
Posting date refers to the date the transaction is received by the card issuer, OCBC Bank. As merchants may make a settlement a few days after the transaction has been made, posting date may be a few days later than the transaction date. As such, the bank has no control over when merchant records the transaction.
The cashback computation is based on the transactions posted within the calendar month.
The MCC is a four digit-number assigned by Visa/Mastercard to describe the main business activity of a merchant. It is determined by the merchant’s acquiring bank (a financial institution that accepts and processes credit and debit card transactions on behalf of merchants).
As the card issuer, OCBC does not determine the main business activity of a merchant or the MCC assigned.
We use MCCs to decide whether certain transactions qualify for cashback. For example, OCBC 365 Cardmembers earn cashback only on transactions that fall under certain MCCs (e.g. MCC 5812 – Eating places and Restaurant).
If the merchant’s acquiring bank assigns it an incorrect MCC, we will not be able to reward you for transactions made there. For example, if a merchant was determined to be a ‘Bar’ instead of a ‘Restaurant’, an OCBC 365 Cardmember will not be able to earn cashback on transactions made there – since transactions under ‘MCC 5813 – Bars, Taverns, Lounges, Disco’ do not qualify for cashback.
Petrol cashback is applicable to spend made at all petrol kiosks locally and overseas with their main business activity is classified as "Petrol".
For the avoidance of doubt, the petrol spend incurred through fleet cards (i.e. corporate charge cards that offer existing discounts) do not qualify for the petrol cashback.
Enjoy up to 22.1% fuel savings all year round at Caltex service stations.
This is made up of:
Figures are rounded to 1 decimal place and based on gross fuel spend of S$100 for easier illustration.
Enjoy up to 20.2% fuel savings all year round at Esso service stations.
*Fuel savings of 20.2% at Esso service stations comprises of:
Discount rates stated may be subject to change from time to time without prior notice. Please check onsite for prevailing rates.
All discounts will be applied on prevailing pump prices of fuel purchased. Figures are rounded to 1 decimal place. Terms and conditions of OCBC 365 Credit Card cashback programme apply.
Enjoy up to 24% fuel savings at Sinopec service stations.
Fuel savings comprises:
Telco
Recurring Utilities cashback is only applicable when payment has been setup as recurring to the following telco service providers, such as SingTel, Starhub, M1, MyRepublic, Circles.Life and Liberty Wireless.
Electricity
Recurring Utilities cashback is only applicable when payment has been setup as recurring to the following power service providers, such as Geneco, Keppel Electric, Sembcorp Power and Senoko Energy. Learn more about the Open Electricity Market and the full list of retailers.
Online travel cashback is applicable to online spend made at travel merchants with their main business activity classified as "Travel". For example online airlines and hotel bookings, and online attractions booking engine (e.g. Agoda and Airbnb).
| Promotion period | Recurring insurance premium (Min. 2 months) | Cashback you’ll earn |
|---|---|---|
| From 10 April till 31 July 2021 | S$500 per month | S$80 |
| S$1,000 per month | S$120 |
Cashback earned from this promotion is on top of the S$80 cashback you can earn from your OCBC 365 Credit Card per calendar month.
Here's how you can qualify for S$250 worth of cashback upon successful sign-up.
Example:
Foreign Currency Spend Promotion Cashback Breakdown| Foreign Currency Spend (from now till 30 June 2022) |
Cashback | Rewards cap |
|---|---|---|
| S$5,000 | S$50 | First 1,000 customers |
| S$10,000 | S$150 | First 500 customers |
| S$20,000 | S$400 | First 100 customers |
Plus, enjoy 6% on dining, 3% on groceries and private car hires while on your trip (capped at S$80). Here’s how you can earn up to S$480 in cashback:
| Category | Spend | Usual Cashback (capped at S$80) | Cashback from Foreign Currency Promotion |
|---|---|---|---|
| Dining | S$4,000 | 6% | S$400 |
| Land Transport | S$1,000 | 3% | |
| Supermarket | S$1,000 | 3% | |
| Clothes | S$3,000 | - | |
| Bags | S$9,000 | - | |
| Shoes | S$2,000 | - | |
| Total | S$20,000 | S$480 (2.4%) | |
| Card approval month | Minimum spend | |
|---|---|---|
| New to OCBC Cardmembers | June 2022 | S$300 by 31 July 2022 |
| Existing to OCBC Cardmembers | June 2022 | S$500 by 31 July 2022 |
