OCBC 365 Credit Card

Earns You Cashback All Year Round

The OCBC 365 Credit Card. Earns You Cashback All Year Round.
Dining

6%

  • Weekend dining locally

3%

  • Weekday dining locally
  • Overseas dining worldwide
Online Shopping

3%

  • All your purchases on travel, fashion, movie tickets, Grab/Uber rides and more!
Petrol

Up to 23%

  • Fuel savings at Caltex

5%

  • Cashback on fuel spend at all other petrol service stations
Grocery

3%

  • Supermarkets island-wide
Telecommunication

3%

  • Recurring telco bills
    (SingTel, StarHub, M1)
Other Expenses

0.3%

  • All other spending
  • Dining cashback is applicable to spend at dining merchants with their main business activity classified as "Dining" which includes restaurants, cafes, caterers and fast food outlets.
  • Where the local dining merchant is located within a hotel, bar or a country club, the main business activity of such merchant may not be classified as "Dining".
  • For the avoidance of doubt, the dining spend incurred at any merchant not classified as "Dining", such as spend on dining at bar and/or pubs as well as wedding banquets held at hotels and country clubs will not qualify for the dining cashback.
  • Online retail transactions are defined as goods or services you buy via the internet and pay with your OCBC 365 Credit Card, and exclude purchases made via telephone or mail order.
  • Annual Card Fees, Instalment Payment Plans, Fees and charges such as interest and late payments are not included.
  • Online transactions under the following categories are excluded from the calculation of cashback:

Category

Government institutions

Financial institutions (including banks & brokerages)

Insurance companies

Prepaid accounts and payment service providers

Subscription / recurring fees

Hospitals

Schools

Professional services provider
 

Membership fees to clubs and associations
 

Charitable/Religious organisations

Parking lots

Utility bills

OCBC Internet Banking (excluded from 0.3% rebate)

Cleaning, Maintenance and Janitorial Services
*With effect from 1 October 2017

Real Estate Agents and Managers
*With effect from 1 October 2017

Some Examples

LTA fines, CPF, MOM, ICA, ACRA

IG MARKETS, OANDA PACIFIC, FOREX.COM, Swiss Money Transfer

NTUC Income, Great Eastern, AIG, AIA, AVIVA

EZLINK (FEVO), EZLINK (IMAGINE)

Google*Adws, LINKEDIN, ODESK, BLUEHOST, NATGEO MAG

TTSH, ALEXANDRA, CGH, SGH – EPAY

CFA INSTITUTE, SIM UNIVERSITY, NUS, SMU

Personal paypal accounts, GOOGLE Ads, Facebook Ads, Amazon Web Services, MEDIA TRAFFIC AGENCY INC.

NTUC LINK, ASME, KATOOMBA CHRISTIAN, WWW.ACTUARIES.ORG.UK, ISACA

CITY HARVEST CH, TRUE BUDDHA FOUNDATION

FLASHPAY ATU, GOLDEN SHOE CARPARK

SP Services, AXS ONLINE GOVT

Town Councils, URA Fines, HDB, NTUC Income

Fuss Part-time Home & Office Cleaning, ProperHands
 

ERA SG, Realty International Associates Pte Ltd



  • 365 Caltex

    Enjoy up to 23% fuel savings at Caltex

    Terms and conditions apply

    This is made up of:
    (i)16% upfront discount on Platinum 98 with Techron® Caltex
    (ii) 4.2% cashback on gross fuel spend (or equivalent to 5% cashback on nett fuel spend) at Caltex as long as a minimum of S$600 spend is charged to OCBC 365 Credit Card in a calendar month; and
    (iii) S$10 rebate (or 2.8% rebate on gross fuel spend) with minimum S$300 nett fuel spend charged at Caltex to OCBC 365 Credit Card within a calendar month

    Figures are rounded to 1 decimal place and based on gross fuel spend of S$360 for easier illustration.

  • 365 Esso Sservice stations

    Enjoy up to 18.3% fuel savings* all year round at Esso service stations

    Terms and conditions apply

    *Fuel savings of 18.3% at Esso service stations comprises of
    (i) 14% upfront discount which includes station onsite discount, petrol station loyalty programme discount and OCBC 365 Credit Card discount and
    (ii) 5% cashback on the nett petrol amount charged to OCBC 365 Credit Card.
    (iii) 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.

Simply download and print out this form, then submit to your chosen telecommunication provider:

  • From 1 July 2015, cardmembers will earn 0.3% cashback on EZ-Link and TransitLink transaction(s) not exceeding S$200 posted in a calendar month.

Spend a minimum of S$600 based on posted transactions in a calendar month.
Posting date refers to the date when OCBC Bank receives the transaction details from the merchant/retailer that you make a transaction at. This may differ from your transaction date. Please refer to FAQs for more details.
If you spend less than S$600, a flat 0.3% cashback is awarded. Cashback amount is capped at S$80 per calendar month.

With effect from 1 October 2017, no rebate will be awarded for spend made to Charitable/Religious Organisations, Cleaning, Maintenance and Janitorial Services and Real Estate Agents and Managers. Please refer to FAQs for full details.

From 1 September to 31 October 2017, be among the first 15,000 OCBC 365 Cardmembers to register via SMS to qualify for an additional S$80 more cashback per month on overseas spend made in person. Refer to the table below for the breakdown on how much more cashback you can earn.

SMS 365FX<space>NRIC<space>NAME to 72377 to register.

Example: 365FX S1234567A MARY ONG

You will receive an SMS notification if you registered successfully.

Terms and Conditions Governing OCBC 365 Card Additional Cashback on Overseas Spend Promotion

Overseas spend made in person in a calendar month
SMS to qualify for your cashback on overseas spend.
Total additional cashback capped at S$80 per month.
Less than $1,000 3%
S$1,000 or more 5%

To qualify for the additional cashback, overseas spend must be made in person and in foreign currency. Overseas spend made online, mobile applications, mail and/or telephone order will not be eligible for this additional cashback.

Medical

3%

  • Medical Spend transacted over the counter (Dental, clinics, cord blood banking and hospitals)
365 Complementary Travel Insurance

Enjoy complimentary travel insurance of up to $200,000

Simply charge your return air tickets to your OCBC 365 Card and you will get up to S$200,000 complimentary Travel Personal Accident Insurance and up to S$400 coverage for Baggage Loss (more than 48 hours).

Find out more

365 Concierge

Concierge

The Visa Signature Concierge is available 24 hours a day, 7 days a week to help you with your lifestyle needs.

Find out more

Visa Concierge Services

Take advantage of a host of services available to you over the phone or online, 24 hours a day from anywhere in the world.

Find out more

Visa Luxury Hotels

Enjoy complimentary upgrades and other VIP privileges at participating luxury boutiques hotels and resorts.

Find out more

Visa Checkout

Visa Checkout - the easier way to pay online

Enjoy exclusive movie ticket offers when you book online here with Visa Checkout.

Find out more

For more details, visit the Visa Signature site.

Eligibility

Minimum Age
21 and above
Annual Income
S$30,000 and above for Singaporeans and Singapore PRs
S$45,000 and above for foreigners

Fees & Charges

Principal Card
$192.60 a year (First 2 years free)

To earn an annual fee waiver for your OCBC 365 Credit Card, you must spend a minimum of at least S$10,000 in one year, starting from the month after your OCBC 365 Credit Card was issued.

What counts towards the minimum amount you must spend:
Retail transactions, monthly Instalment Payment Plans and monthly PayLite instalments, so long as the amount is shown in your statement during the year.

What does not count towards the minimum amount you must spend:
Cash-On-Instalments, cash advances and bank charges and any refunded amounts.

Supplementary Card
$96.30 a year (First 2 years free)

The effective interest rate is 25.92% per annum and is subject to compounding if the monthly charges are not repaid in full.

Late payment charge
From 1 June 2017, the late payment charge for the OCBC 365 Credit Card will be revised from S$80 to S$100.

Annual fee waiver spend requirement
With effect from 1 June 2016, we will revise the minimum spend requirement for automatic waivers of Annual Fee for OCBC 365 Card from S$5,000 to S$10,000.

Apply Now

How to apply for a supplementary card

Terms and conditions

With effect from 1 October 2017, the Terms and Conditions Governing OCBC 365 Card Cashback Programme will be revised.