ocbc Business Credit Card

Extra 8% cashback bonus when you sign up

Why you will love this

Sign-up bonus: Earn 8% cashback on qualifying spends (min. spend S$1,000). T&Cs apply.

Earn 3% rebate on your business expenses at selected eco-friendly merchants, 1% on foreign currency transactions and 0.2% on SGD transactions. No minimum spending is required, no limit to rebates you earn

Enjoy an interest-free period of up to 53 days for each transaction

Who can apply

Business is incorporated in Singapore

At least 30% owned by Singaporean or Singapore PR

Apply Now

It pays to go green with the OCBC Business Credit Card

Stay ahead of the game as the market moves towards a more sustainable future.

Kickstart your green journey today with the OCBC Business Credit Card – Southeast Asia’s first sustainable business credit card. By adopting green business practices, your business can gain positive recognition.

Unlock new opportunities with the OCBC Business Credit Card.

Business benefits

Sign-up Bonus

Earn 8% cashback* with a minimum spend of S$1,000 within second month of card issuance.

*Cap at S$80 per card. Promotion valid until 31 December 2026. T&Cs apply.

Earn 8% cashback* with a minimum spend of S$1,000 within second month of card issuance.

*Cap at S$80 per card. Promotion valid until 31 December 2026. T&Cs apply.

Earn Up to 3% Rebate

Enjoy up to 3% rebate when you pay with the OCBC Business Credit Card at selected eco-friendly merchants. Get 1% rebate on foreign currency spends and 0.2% on all other local currency spends.

Refer to our T&Cs for the list of eco-friendly merchants.

Enjoy up to 3% rebate when you pay with the OCBC Business Credit Card at selected eco-friendly merchants. Get 1% rebate on foreign currency spends and 0.2% on all other local currency spends.

Refer to our T&Cs for the list of eco-friendly merchants.

No minimum spend. Unlimited rebates.

Earn rebates effortlessly with no minimum spend requirements and no cap on the rebates you receive.

Earn rebates effortlessly with no minimum spend requirements and no cap on the rebates you receive.

Exclusive privileges for OCBC cardmembers

From dining, transport to travel and stays, enjoy exclusive deals that help your business go further with every payment.

Explore other deals here.

From dining, transport to travel and stays, enjoy exclusive deals that help your business go further with every payment.

Explore other deals here.

Interest-free Period

Enjoy an interest-free period of up to 53 days for each transaction to better manage your business cash flow.

Enjoy an interest-free period of up to 53 days for each transaction to better manage your business cash flow.

Turn business spending into sustainability insights

The OCBC Business Credit Card includes a Sustainability Spend Index (SSI) that estimates your business’s CO₂ emissions from spending and benchmarks them against others.

The OCBC Business Credit Card includes a Sustainability Spend Index (SSI) that estimates your business’s CO₂ emissions from spending and benchmarks them against others.


One Card. Real Value for Every Business Spend.

The OCBC Business Credit Card helps you unlock more from your everyday business spending. Beyond rebates, enjoy exclusive partner privileges across travel, lifestyle, and essential business tools to reduce costs while maximising the value of every payment.

Simply pay with your OCBC Business Credit Card to access these benefits today.

Category Merchant Promotion details* Promotion valid until
Travel & Leisure Hotels.com Up to 8% off hotel bookings 31 December 2026
Preferred Hotels & Resorts Complimentary round of golf at participating Preferred Hotels & Resorts 31 December 2026
Digital Solutions Xero 90% off Xero plans for 6 months 31 December 2026
Shopify Up to 100% Cashback on first month Shopify Plan 31 December 2026

*Terms and conditions apply. Please refer to the respective promotion pages for more details.

Disclaimer / Important Notice
There may be 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 web-site of the Third Parties.


Exclusive Privileges for OCBC Cardmembers

Unlock added value with a range of privileges available through OCBC Business Credit Card. From dining, transport to travel and stays, enjoy curated offers designed to help reduce everyday business costs while supporting your operational needs.

Simply pay with your OCBC Business Credit Card to enjoy exclusive deals that help your business go further with every payment.

Discover more offers and privileges below.

Food and Groceries
Shopping
Beauty and Wellness
Travel and Stays
Transport
Entertainment and Leisure

Terms and conditions apply. Please refer to the respective promotion pages for more details.

Disclaimer / Important Notice
There may be 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 web-site of the Third Parties.

Before you apply

You will need an OCBC Business Account to be eligible for an OCBC Business Credit Card.

Not an OCBC Business Banking customer?
Open an OCBC Business Account instantly online >

Eligibility requirements

Entity requirements

Business (Sole proprietorship, partnership or limited liability partnership, or a private limited company) is incorporated in Singapore; and

At least 30% owned by Singaporean or Singapore PR; and

Annual turnover must be S$20 million or less.

Applicant requirements

At least 21 years old; and

At least $30,000 annual income.

Terms and Conditions

Business Credit Card Agreement

Terms and Conditions governing OCBC Business Credit Card Rebates Programme

Business Credit Card Application Declaration Agreement

Fees & Charges for OCBC Business Credit Card

Terms & Conditions Governing the OCBC Business Credit Card Welcome Promotion

Ready to apply?

Get your Business Credit Card with us

Apply Now
FAQs
Common questions
What is the Sustainability Spend Index (SSI)?

The SSI uses big data and analytics to measure carbon emissions based on the spending patterns of your business.

Your business’ carbon footprint – by category – and score will be shown in your credit card statement. This helps you understand the impact of your business transactions and benchmark your business’ carbon footprint against that of others.

To learn more about the SSI developed by Visa, please refer to the Data-Driven Capabilities for Sustainability (visa.com.sg).

The SSI assured by Ernst & Young. Refer to the assurance statement for more details.

How are eco-friendly merchants selected?

We selected the eco-friendly merchants based on the Green Merchant Scorecard. The scorecard is co-developed by ENGIE Impact, a sustainability consulting firm.

The selected eco-friendly merchants are given a higher score based on these three categories

  1. Evidence: The merchant’s emissions data;
  2. Commitment: The merchant’s timelines and/or tangible targets to reduce emissions; and
  3. Action: Whether the merchant has met their target(s) and transformed their operations to reduce emissions.

To learn more about how the Green Merchant Scorecard was derived, please refer to the Data-Driven Capabilities for Sustainability (visa.com.sg)

Which eco-friendly merchants are eligible for 3% in rebates?

Here is the list of eco-friendly merchants and their Merchant Category Codes (MCC):

No.

Merchants

Merchant Category

Merchant Category Code

1

Meta

Business Solutions
  • 5817-DIGITAL GOODS APP (EXCL GAMES)
  • 5734-COMPUTER SOFTWARE STORES
  • 7311-ADVERTISING SERVICES
  • 7372-COMPUTER PROGRAM/SYS DESIGN
  • 7392-MGMT/CONSULT/PUBLIC REL SER
  • 7399-BUSINESS SERVICES - DEFAULT

2

Microsoft

Business Solutions
  • 5045-COMPUTERS/PERIPHERALS/SOFTWARE
  • 4816-COMPUTER NETWORK/INFO SVCS
  • 5734-COMPUTER SOFTWARE STORES
  • 7311-ADVERTISING SERVICES

3

Apple

Business Solutions
  • 5732-ELECTRONICS STORE
  • 5045-COMPUTERS/PERIPHERALS/SOFTWARE
  • 5818-LARGE DIGITAL GOODS MERCHANT

4

LinkedIn

Business Solutions
  • 7311-ADVERTISING SERVICES
  • 5968-CONTINUITY/SUBSCRIPTION MERCHANT

5

Dell

Business Solutions
  • 5045-COMPUTERS/PERIPHERALS/SOFTWARE
  • 5732-ELECTRONICS STORE

6

Quickbooks

Digital Offering
  • 5734-COMPUTER SOFTWARE STORES

7

Xero Global

Digital Offering
  • 5734-COMPUTER SOFTWARE STORES

8

IKEA

Retail
  • 5712-FURNITURE/EQUIP STORES
  • 5814-FAST FOOD RESTAURANTS

9

Nespresso

Retail
  • 5451-DAIRY PRODUCT STORES
  • 5499-MISC FOOD STORES - DEFAULT
  • 5965-COMBINATION CATALOG & RETAIL
How do I add my Business Credit Card to my Mobile Wallet?
To add your Business Credit Card to your mobile wallet, please toggle the “Mobile Wallets” setting in OCBC Velocity . Refer below to see the step-by-step guide.

OCBC Velocity
1. Log in to OCBC Velocity and select Accounts.
2. Under Portfolio Summary, select the Financing tab and click on the Business Credit Card.
3. Select Manage Card and turn on Mobile Wallets feature
4. Go to your mobile wallet and add the Business Credit Card.