OCBC 365 Credit Card

Enhanced cashback every day, everywhere

Why you will love this

NEW Enjoy 2x more cashback of up to S$160

NEW Enjoy 3% cashback on pharmacy, streaming and EV charging

Enjoy 5% cashback on dining and food delivery

Who can apply

Singaporean or Singapore PR above 21 years old with an annual income of at least S$30,000

Foreigner above 21 years old with an annual income of at least S$45,000

Get monthly cashback for your everyday spends

Enjoy cashback at all your favourite brands across various categories – from daily necessities to recurring bills and more.

cashback Benefits

Here's what you can earn:

Spend Tiers Minimum Spend Cashback Cap
Tier 1 S$800 S$80
NEW Tier 2 S$1,600 S$160

Petrol

6%

a month

UPSIZED Petrol

  • 6% cashback on fuel spend at all petrol service stations
  • Up to 22.92% fuel savings at Caltex (including 18% instant discount for all fuel)
  • Up to 21.04% fuel savings at Esso
  • 6% cashback on fuel spend at all petrol service stations
  • Up to 22.92% fuel savings at Caltex (including 18% instant discount for all fuel)
  • Up to 21.04% fuel savings at Esso
Dining

5%

a month

Dining

  • Local and overseas dining
  • Online food delivery at Deliveroo, foodpanda and GrabFood

View more dining deals

  • Local and overseas dining
  • Online food delivery at Deliveroo, foodpanda and GrabFood

View more dining deals

Groceries

3%

a month

Groceries

  • Local and overseas groceries
  • Online groceries
  • Local and overseas groceries
  • Online groceries
Land transport

3%

a month

Land transport

  • Bus and train rides using SimplyGo
  • Local and overseas private hire rides (e.g. Grab (excluding GrabPay), Gojek and TADA)
  • Local and overseas taxi rides (e.g. ComfortDelGro)
  • Bus and train rides using SimplyGo
  • Local and overseas private hire rides (e.g. Grab (excluding GrabPay), Gojek and TADA)
  • Local and overseas taxi rides (e.g. ComfortDelGro)
Pharmacy

3%

a month

NEW Pharmacy

  • All purchases made at pharmacies like Guardian or Watsons
  • All purchases made at pharmacies like Guardian or Watsons
Streaming

3%

a month

NEW Streaming

  • Streaming services like Netflix, Disney+, Spotify and Apple Music
  • Streaming services like Netflix, Disney+, Spotify and Apple Music
Electric Vehicle Charging

3%

a month

NEW Electric Vehicle Charging

  • Charging stations (e.g. SP Digital, Greenlots, CDG ENGIE and City Energy)
  • Charging stations (e.g. SP Digital, Greenlots, CDG ENGIE and City Energy)
Utilities

3%

a month

Utilities

  • Recurring telco bills (e.g. StarHub, Singtel, M1, MyRepublic and CirclesLife)
  • Recurring electricity bills (eg. Geneco, Keppel Electric, Sembcorp Power, Senoko Energy and Singapore Power)
  • Recurring telco bills (e.g. StarHub, Singtel, M1, MyRepublic and CirclesLife)
  • Recurring electricity bills (eg. Geneco, Keppel Electric, Sembcorp Power, Senoko Energy and Singapore Power)

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.

ENJOY MORE BENEFITS BUNDLING WITH A 360 ACCOUNT
Earn higher interest rates with OCBC 360 Account and OCBC 365 Credit Card

Here is why together is always better. Earn up to 4.65% a year on the first S$100,000 in your OCBC 360 Account when you do more with us.

Find out more

Terms and conditions apply. Insured up to S$75K by SDIC.

EXCLUSIVE OFFER FOR CALTEX CUSTOMERS

Fuel up your cashback rewards with the OCBC 365 Credit Card

Get ready to rev up your fuel savings! Apply for the OCBC 365 Credit Card and get S$150 cashback when you spend a minimum of S$350 within 30 days of card application approval.

With the OCBC 365 Credit Card, you get to enjoy up to 22.92% of fuel savings at Caltex (18% instant discount + 6% cashback on all fuel spend).

Promotion is exclusive to new OCBC credit card customers who apply via this page. Terms and conditions apply.

Promotions

Get S$250 in foodpanda vouchers with your new OCBC 365 Credit Card

Simply apply online and make a retail transaction of any amount. What’s more, enjoy a free 6-month pandapro subscription on us!

Promotion is exclusive to new OCBC credit card customers who apply via this page. Terms and conditions apply.

Enjoy more savings on foodpanda

  • For new customers
    Get S$10 off + free delivery on your first food delivery order when you spend a minimum of S$15 with the promo code “OCBC23NEW”.
  • For existing customers
    Get 50% off a 6-month pandapro subscription with the promo code “OCBC23PRO”.

Terms and conditions apply.

ENJOY MORE BENEFITS BUNDLING WITH A 360 ACCOUNT
Earn higher interest rates with OCBC 360 Account and OCBC 365 Credit Card

Here is why together is always better. Earn up to 4.65% a year on the first S$100,000 in your OCBC 360 Account when you do more with us.

Find out more

Terms and conditions apply. Insured up to S$75K by SDIC.

Promotions

Save up to S$72 on petrol with your new OCBC 365 Credit Card

Sign up now and receive 6 x S$6 vouchers from each of Caltex and Esso to offset your fuel purchases.

Terms and conditions apply. Refer to the welcome pack for more information.

Privileges
Before you apply

Eligibility requirements

Minimum age

21 years old

Annual income

S$30,000 and above for Singaporeans and Singapore PRs
S$45,000 and above for foreigners


Fees

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.

Ways to apply

Apply for the OCBC 365 Credit Card today

card
FAQs
Common questions about OCBC 365 Credit Card
More questions and answers
What is excluded from the minimum S$800 monthly spend?

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.

How much cashback can I earn each month?

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.

How will I receive the cashback?

The cashback earned on the transactions performed in the current month will be credited in the OCBC 365 card statement in the next month.

What is the difference between transaction date and posting date?

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.

What is MCC? How is it assigned?

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.

How will the assignment of MCCs affect my cashback?

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.

More questions and answers