ocbc Business Credit Card

Exclusive Chinese New Year signup bonus

Why you will love this

CNY promo: S$80 cashback when you apply online. 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
Turn business transactions into climate action

Earn a 3% rebate when paying with the OCBC Business Credit Card at eco-friendly merchants like Microsoft, Meta and Apple. The Card boasts eco-consciousness even in the way it is designed!

Refer to our FAQs for the list of eco-friendly merchants.

Stay ahead with the Sustainability Spend Index (SSI)

Developed to measure carbon dioxide (CO₂) emissions based on spending patterns, the SSI helps you benchmark the carbon footprint of your business against that of others. By breaking down this carbon footprint into categories, you can see which areas your business can reduce emissions in.


More Value for Your Business Spend

As businesses look to maximise value from everyday spending, the OCBC Business Credit Card offers meaningful savings and added privileges across travel, lifestyle, and digital solutions. Explore the curated offers below to see how your OCBC Business Credit Card can help reduce operating costs while supporting your business needs throughout the year.

These benefits are available when you pay with your OCBC Business Credit Card, allowing you to unlock added value simply through your regular business spend.

Category Merchant Promotion details* Promotion valid until
Travel & Leisure Agoda Up to 5% off hotel bookings 31 March 2026
Expedia Up to 8% off hotel bookings 31 December 2026
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 100% off Xero subscription for 6 months 31 March 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.


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 January 2026

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.