No. The OCBC Business Debit Card comes with no annual fee, making it a cost-effective option for businesses of all sizes. You can enjoy the convenience of a business payment card without having to worry about ongoing annual charges.
Business Debit Card
Score cashback on everyday business spends
Start with a Business Growth Account
How much you can earn
Earn up to 1% cashback when you spend on your everyday business spend.
Refer to terms and conditions for list of qualifying transactions.
1%
a month*
Digital Marketing
Examples:
Examples:
1%
a month*
AI Assistants
Examples:
- ChatGPT
- Gemini
- Claude
- Perplexity
Examples:
- ChatGPT
- Gemini
- Claude
- Perplexity
1%
a month*
Software Services
Examples:
- Adobe
- Microsoft
- Shopify
- Xero
Examples:
- Adobe
- Microsoft
- Shopify
- Xero
1%
a month*
Online Retail
Examples:
- Amazon
- Lazada
- Shopee
- Taobao
Examples:
- Amazon
- Lazada
- Shopee
- Taobao
1%
a month*
Travel
- Airlines
- Hotels
- Tour Operators
- Airlines
- Hotels
- Tour Operators
0.2%
a month
Other categories
There is no cap on the cashback amount. Available for all other qualifying transactions.
There is no cap on the cashback amount. Available for all other qualifying transactions.
*For the qualifying business categories, the 0.8% bonus rebate will be capped at S$80 per month. No cap to the 0.2% base rebate.
Turn Everyday Business Spend Into Additional Savings
Power up your business growth with the OCBC Business Debit Card, designed to reward your business spending. From scaling your digital marketing, upgrading essential software, to travelling for new opportunities, your OCBC Business Debit Card unlocks exclusive perks that help you stretch every dollar further.
Explore curated privileges that help you reduce operating costs, streamline daily operations, and maximise returns on your core business spend below*. These privileges are instantly available when you pay with your OCBC Business Debit Card, so you can focus on what matters most – growing your business.
| Category | Merchant | Promotion details* | Promotion valid until |
|---|---|---|---|
| Digital Marketing | Google Workspace | Save 25% on Business Standard plans | 31 Jan 2027 |
| Tiktok Ads | Get SGD$2,000 off annual TikTok spending credits | 31 Jan 2027 | |
| Software Services | Adobe | 14% discount on Adobe Annual Billing | 31 Apr 2027 |
| Shopify | 14-day free trial and services worth US$1,000 | 31 Mar 2028 | |
| Microsoft | Get Microsoft 365 Business Basic yearly subscription at US$66 | 31 Dec 2026 | |
| Travel | Sixt | Get up to 10% off SIXT rentals | 31 Dec 2026 |
| Cybersecurity | StrongKeep | 25% off annual Protection and Compliance base plans | 31 Mar 2027 |
*Merchant’s 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.
Benefits
Earn unlimited cashback
Get 1% cashback on everyday business spend* and unlimited 0.2% cashback on all other spend.
Get 1% cashback on everyday business spend* and unlimited 0.2% cashback on all other spend.
Use your digital card instantly
Check out online with your digital card or easily add your card to your mobile wallets like Apple Pay, Google Pay and Samsung Pay.
Check out online with your digital card or easily add your card to your mobile wallets like Apple Pay, Google Pay and Samsung Pay.
Indulge in exclusive card privileges
Enjoy special deals from OCBC card promotions and Mastercard Priceless™ Specials. Take advantage of curated global and local business, travel and lifestyle benefits.
Enjoy special deals from OCBC card promotions and Mastercard Priceless™ Specials. Take advantage of curated global and local business, travel and lifestyle benefits.
Access your card details anywhere
Easily access your digital card details in the OCBC Business Banking app or OCBC Velocity.
Easily access your digital card details in the OCBC Business Banking app or OCBC Velocity.
Make your business accounting easier
All card transactions are debited directly from your business account and presented in a single consolidated statement. No separate card bills to track.
All card transactions are debited directly from your business account and presented in a single consolidated statement. No separate card bills to track.
Enjoy Mastercard global acceptance
Pay with Mastercard or NETS and access over 1,200 ATMs island-wide, or any ATMs with the Mastercard or MEPS logo worldwide.
Pay with Mastercard or NETS and access over 1,200 ATMs island-wide, or any ATMs with the Mastercard or MEPS logo worldwide.
Accessing your digital card
To access your digital card, follow these steps.
Promotions
FAQs
Common questions
More questions and answersAre there any annual fees for the OCBC Business Debit Card?
Do I need to have an OCBC business account to apply for the card?
Yes. The OCBC Business Debit Card is linked to your OCBC business account, so you'll need an OCBC business account to apply.
If you don't have one yet, you can open an OCBC business account easily online and apply for the OCBC Business Debit Card as part of your business banking setup.
Apply now to get started.
Does the OCBC Business Debit Card offer cashback or rewards?
Yes. The OCBC Business Debit Card rewards your everyday business spending with cashback, helping you get more value from expenses you already incur.
- 1% cashback on qualifying spend categories commonly used by businesses, including:
- eCommerce
- Digital marketing
- Software subscriptions
- AI subscriptions
- Travel
- 0.2% unlimited cashback on all other qualifying transactions
- No minimum spend required to earn cashback
Whether you're a startup founder, solopreneur, or growing enterprise, the OCBC Business Debit Card is designed as a simple, fuss-free way to earn cashback on everyday business expenses. With enhanced cashback on digital and growth-enabling spend categories, it is especially valuable for businesses investing in online sales, marketing, productivity tools, and AI solutions to scale more efficiently.
What is a digital card?
A digital card is the debit or credit card that you can easily access from the OCBC Business Mobile App or OCBC Velocity after the approval of your application.
The digital card will have the same card number and expiry date as the physical card that you will receive. The only difference between the digital card and physical card is that of the CVV.
Follow this guide to learn how to access your digital debit card details and start using it. Please ensure that your OCBC Business Mobile App is updated.
Can we make cash withdrawals using the Business Debit Card from ATMs outside of Singapore?
Yes, you may make cash withdrawals using your Business Debit Card from ATMs when you are overseas. However, the ATM must be able to accept the 6-digit PIN. Please match the card association logo on your Business Debit Card to the ATM, for example: MasterCard-Cirrus.
How do I add my Business Debit Card to my Mobile Wallet?
To add your Business Debit Card to your mobile wallet, please toggle the “Mobile Wallets” setting in the OCBC Business Mobile App. Refer below to see the step-by-step guide.
OCBC Business Mobile App
1. Log in to OCBC Business Mobile App
2. Go to Accounts and select the linked account
3. Tap on the Business Debit Card
4. Turn on Mobile Wallets feature
5. Go to your mobile wallet and add the Business Debit Card.
How do I increase the daily limit for NETS/ATM withdrawal and/or spending limit for my Business Debit Card? What is the maximum limit that I can increase for my spending and withdrawal?
You may submit a request through the OCBC Business Debit Card Maintenance Form.
Maximum limit for spending: $50,000
Maximum limit for NETS/ATM withdrawal: $5,000
Please note that it may take up to 7 business days to process your request
How do I reset my Business Debit Card pin?
You may reset your PIN via OCBC Velocity / the OCBC Business Mobile App or submit a request through the OCBC Business Debit Card Maintenance Form.
Please note that it may take up to 7 business days to process your request.
Before you apply
Not an OCBC Business Banking customer?
You will need to have an OCBC Business Account to apply for a free Business Debit Card. Instantly open your account online.
Apply now
Ready to apply?
Get your Business Debit Card now
OCBC PictureCard service - Image Guidelines
These Image Guidelines may be varied by OCBC at any time. OCBC will not accept images that contain any of the following:
- trademarks, logos, slogans, company names, get-up, copyrighted material or brands of any third party
- advertising or promotional material, or branded products
- celebrities, actors, musicians, athletes, cartoons or public figures
- works of art
- phone numbers, addresses, URL addresses, account or PIN numbers
- provocative or sexual material
- violent or other offensive, obscene or indecent material
- nudity or semi-nudity
- bigotry, racism, hatred, profanity or obscenities
- alcohol, tobacco, gambling, firearms or pharmaceutical products
- images that show illegal or anti-social behaviour
- culturally or socially insensitive images
- images that display the opinions or beliefs of political groups, religious groups or socially unacceptable groups (e.g. political images, neo-Nazi images, gangs)
- libellous or defamatory content, or content which is otherwise in violation of any rules, regulations or laws to which the images are subject
- content not acceptable for persons under 18 years old
- images that may result in non-acceptance or other problems at point of sale.
- such other images or contents as may be deemed inappropriate or unacceptable by OCBC.