Beyond Your 9-5 | Singapore

OCBC Beyond Your 9-5 Starter Kit

 

Get up to S$200 foodpanda vouchers! Plus, stand to win a trip to Hawaii.
Find out more

Make your money work harder with the Beyond your 9-5 Starter Kit. Earn up to 3.30% interest and 1.6% cashback.

Your 9–5 helps you earn a living – now let it fuel the life you love from 5–9. With the Beyond your 9–5 Starter Kit, grow your savings and get rewarded for your everyday spending. Credit your salary, save and spend with the 360 Account to earn up to 3.30% bonus interest per year – plus enjoy 1.6% cashback with the OCBC 365 Credit Card.

IMPORTANT NOTICE

Revision to interest rates for the 360 Account from 1 August 2025

In line with lower interest rate expectations, we will revise interest rates for the 360 Account on 1 August 2025.

We remain committed to delivering long-term value to you. The 360 Account will offer up to 2.45% a year on your first S$100,000 if you credit your salary, spend and save with us.

For more information, visit ocbc.com/notices.

Beyond your 9-5 starter kit
Get started with your essentials:
OCBC 360 Account and OCBC INFINITY Cashback Card

Make the most of your first paycheck with 360 Account. Grow your savings with interest up to 3.30% a year when you credit your salary, save and spend with us.

Earn unlimited 1.6% cashback on your eligible spending with the INFINITY Cashback Card with no minimum spend required. Enjoy rewards without the pressure to meet spending thresholds. Fees and charges apply.

Insured up to S$100k by SDIC.

Apply now

HOW DOES THE STARTER KIT WORK?

First S$75,000

Next S$25,000

Salary

Credit your salary of at least S$1,800 through GIRO/FAST/
PayNow via GIRO/PayNow via FAST

1.60%

3.20%

First S$75,000

1.60%

Next S$25,000

3.20%

EIR1

2.00%

Save

Increase your average daily balance by at least S$500 monthly.

0.60%

1.20%

First S$75,000

0.60%

Next S$25,000

1.20%

EIR1

0.75%

Spend

Charge at least S$500 to selected OCBC Credit Cards each month.

0.50%

First S$75,000

0.50%

Next S$25,000

0.50%

EIR1

0.50%

EIR1

2.00%

0.75%

0.50%

You will earn a base interest of 0.05% a year on your entire account balance regardless of whether you fulfil the above categories.

1For maximum EIR illustration purposes for your first S$100,000:
Salary + Save: You will earn a maximum EIR of 2.80% a year.
Salary + Save + Spend: You will earn a maximum EIR of 3.30% a year.

You can earn even more interest if you insure, invest, or maintain an average daily of at least S$250k. Find out more.

CALCULATE YOUR REWARDS

Discover how much interest you can earn on your first S$100,000.

2The amount is calculated on per month (31 days) basis, this is for illustration purposes only.

The calculator is for your convenience only and you have chosen to use it and rely on any results at your own risk. OCBC Bank will not under any circumstances accept responsibility or liability for any losses that may arise from a decision that you may make as a result of using the calculator.

1.6% in cashback

1.6% in cashback

Earn 1.6% in unlimited cashback on transactions made in stores or online, locally or overseas. Please refer to our FAQs for details about the spending exclusions.

Earn 1.6% in unlimited cashback on transactions made in stores or online, locally or overseas. Please refer to our FAQs for details about the spending exclusions.

No minimum spending required

No minimum spending required

Earn cashback from the first dollar spent – no minimum spending required.

Earn cashback from the first dollar spent – no minimum spending required.

No limit to the cashback you can earn

No limit to the cashback you can earn

The more you spend, the more you earn. No limit!

The more you spend, the more you earn. No limit!

Starter kit new customer promotion
Get 1-year Disney+ Premium subscription and up to S$200 worth of foodpanda vouchers!

Start strong with these rewards: 

  • Get 1-year Disney+ Premium subscription
    When you sign up for a 360 Account and credit your salary of at least S$1,800 (through GIRO/FAST/PayNow via GIRO/PayNow via FAST) within the next month.
  • Get S$100 worth of foodpanda vouchers + 5-year annual fee waiver
    When you sign-up for an OCBC Infinity Credit Card.
  • Bonus: S$100 worth of foodpanda vouchers
    When you sign-up for an OCBC Infinity Credit Card and 360 Account within 60 days apart, and credit your salary of at least S$1,800 (through GIRO/FAST/PayNow via GIRO/PayNow via FAST) within the next month of 360 account opened date.

Valid till 31 July 2025.

Terms and conditions, fees and charges apply. Insured up to S$100k by SDIC.

Apply now

WHAT WILL YOU LOVE
Dashboard delights

Dashboard delights

Our Wealth Dashboard is your one-stop shop that gives you a snappy snapshot of your finances, investments, goals, and insurance.

It's like having your entire financial universe packed neatly into one super-friendly, easy-peasy page.

Personal finance, perfect fit

Personal finance, perfect fit

Our tailor-made financial tips are like a personal stylist for your money, offering you insights that fits just right—whether you're saving up for something shiny or plotting your next big investment adventure.

Graph and go

Graph and go

Tracking your performance to make informed decisions? Our tools will make sure you're always in the know - so you can make the most out of your financial moves.

A match made in money

A match made in money

Whether you're a steady saver or a daring dreamer, invest like a pro with our investor profiling journey to filter our products based on your financial vibe.

Cash in, cash out - see it all laid out

See your money’s journey all mapped out

See your money’s journey all mapped out

Get the facts in one place – track all your transactions with a sleek, consolidated dashboard.

Choose where each transaction is categorised

Choose where each transaction is categorised

No one knows your finances better than you. Take control by sorting your transactions into categories like food and drinks, shopping or entertainment.

Track every transaction

Track every transaction

Say goodbye to manual tracking using spreadsheets! Add transactions not made using an OCBC cards or accounts to get a fuller view of your finances.

Spot splurges before they snowball

Spot splurges before they snowball

Keep your finances in check by monitoring your month-on-month spending trends. This helps you adjust your spending and finish the month well.

Smart budgeting with minimal effort

Experience guided budgeting from start to success

Experience guided budgeting from start to success

Setting up a feasible budget is simple with our step-by-step guide.

Set a budget and let us help you stick to it

Set a budget and let us help you stick to it

Set spending limits by category. Then, pin your favourite three categories to your dashboard for an instant reality check.

Need to cut back on your spending? Our smart tips are here to help.

Own your budget, make the call

Own your budget, make the call

Personalise your budget to fit your lifestyle. From choosing when your budget resets to whether you will receive notifications when 80% and/or 100% of your budget is reached, the decision is yours.

Track in real time and eliminate the guesswork

Track in real time and eliminate the guesswork

Compare your spending against your budget – by category and overall – to always know where you stand.

Keep the streak, keep your savings

Keep the streak, keep your savings

Budgeting is a marathon, not a sprint. To keep you going, we will give you a little nudge (or cheer you on!) based on how consistently you have stayed on budget.

Before you apply

Starter Kit Eligibility requirements

Minimum age

21 years old

Nationality

NRIC and an image of your signature for Singaporeans and Singapore PRs

Passport and a valid pass (e.g. Employment Pass (EP) or S-Pass or Student Pass) for foreigners


OCBC 360 Account
Eligibility requirements

Minimum Age

18 years old

Documents required

NRIC and an image of your signature for Singaporeans and Singapore PRs

Passport and a valid pass (e.g. Employment Pass (EP) or S-Pass or Student Pass) for foreigners

Additional document

Include any one of the following documents that shows your residential address

  • Phone bill
  • Half-yearly CPF statement
  • Any bank statement


INFINITY Cashback Card

Minimum Age

21 years old

Annual Income

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

S$45,000 and above for foreigners



Deposit Insurance Scheme


General disclaimers

Credit Bureau Singapore
Please note that additional time may be needed to review your application as Credit Bureau of Singapore will synchronising data from 12am to 8am daily.

Myinfo
Myinfo will be temporarily unavailable from 2am to 8.30am every Wednesday and Sunday due to scheduled maintenance.


kickstart your journey with us

Open your OCBC 360 Account and OCBC INFINITY Cashback Card today

Card fees and charges apply.