Example: Cost of item purchased with your credit card: S$25.30. Amount charged to your credit card: S$26.00.
Your purchases are rounded up to the nearest dollar (S$25.30 to S$26.00).
The difference (S$0.70) is called Spare Change which goes to your savings account.
SmartChange doubles your savings with 100% matching of your Spare Change *.
You also get and additional 0.4% Spending Rebate off your monthly credit card purcases (0.4% X S$25.30).
* 100% matching is applicable for the first three months, subject to a maximum of S$188 only. From the 4th month onwards, we will continue to match your spare change at 4.88%.
Existing OCBC credit cardmembers
Complete the form for credit cardmembersDownload application form
Existing OCBC debit cardmembers
Complete the form for debit cardmembersDownload application form
Bring the form to any of our branches
Oversea-Chinese Banking Corporation Limited
P.O. Box 1386
Deposit insurance clause
Singapore dollar deposits held by or for a non-bank depositer in accounts listed in OCBC Bank's Insured Deposit Register (view all eligible deposit accounts) will be insured in accordance with and for up to the limit specified in the Deposit Insurance and Policy Owners' Protection Scheme Act 2011 of Singapore.