OCBC Credit Cards Singapore | Cashback, Rewards, Miles & More

Find the best credit card for your needs

Exclusive Welcome Promotion
Apply, spend and unlock gifts worth over S$1,200*

Spend S$300 within 30 days of card approval and get a welcome gift. Plus, spend an additional S$300 to receive a bonus gift.

WELCOME GIFT

  • DELSEY Air Armour 68cm Luggage
  • Annual fee waiver^
BONUS GIFT
ELIGIBLE CARDS
26,000 Miles*
S$180 cashback

*Valid till 30 September 2026. T&Cs, card fees and charges apply. Promotion is only available to new OCBC Credit Cardmembers. Limited to 1 DELSEY Air Armour 68cm Luggage and 1 bonus gift. While stocks last. Featured products are for illustration only; actual colours may vary.

^Annual fee waiver conditions vary by card, please refer to individual card annual fee terms.

Best credit card for

 

 

OCBC INFINITY Cashback Card

OCBC INFINITY Cashback Card

  • 1.6% in cashback all year round
  • No minimum spending required or limit to the cashback you can earn
  • Cashback credited automatically
Apply nowLearn more

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OCBC 365 Credit Card

  • Enjoy 2x more cashback of up to S$160
  • Enjoy 3% cashback on Watsons, streaming and EV charging
  • Enjoy 5% cashback on dining and food delivery
Apply nowLearn more

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OCBC Rewards Card

OCBC Rewards Card

  • Earn 15 OCBC$ (equivalent to 6 air miles) for every S$1 spent at Watsons and on certain online shopping platforms
  • Earn 10 OCBC$ (equivalent to 4 air miles) for every S$1 spent in certain retail categories – both online and in stores
  • Exchange OCBC$ for cash rebates, air miles, vouchers, products or experiences
Apply nowLearn more

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OCBC 90°N Card

  • 2.1 Miles per S$1 on foreign currency spend (Miles will be awarded as 90°N Miles in blocks of S$5 per transaction)
  • 1.3 Miles per S$1 on local spend
  • Miles never expire
Apply nowLearn more

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OCBC NXT Card

OCBC NXT Credit Card

  • Interest-free auto-instalments
  • Ease of split payments across 3 or 6 months
  • Earn 1% cash rebates when your monthly bill is S$1,000 or more
Apply nowLearn more

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FRANK Credit Card

OCBC FRANK Credit Card

  • 8% cashback on foreign currency transactions and online/contactless mobile transactions in SGD
  • Extra 2% cashback at selected green merchants
  • 0.3% cashback on other eligible transactions
Apply nowLearn more

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OCBC VOYAGE Card

OCBC VOYAGE Card

  • Earn 2.2 VOYAGE Miles with every S$1 spent in foreign currency, 1.3 VOYAGE miles per S$1 on local spend (VOYAGE Miles will be awarded for every S$5 spent on a per transaction basis. Find out more about VOYAGE Miles)
  • No expiry of miles
  • Redeem flights on any airline, anytime, with no blackout dates
  • Minimum annual income of S$120,000 required
Apply nowLearn more
OCBC Premier, OCBC Premier Private Client, and Bank of Singapore VOYAGE Card

OCBC Premier, OCBC Premier Private Client, and Bank of Singapore VOYAGE Card

  • Earn up to 2.3 VOYAGE Miles per S$1 spent. (VOYAGE Miles will be awarded for every S$5 spent on a per transaction basis. Find out more about VOYAGE Miles)
  • No expiry of miles
  • Redeem flights on any airline, anytime, with no blackout dates
Get us to contact youLearn more
OCBC Premier Visa Infinite Credit Card

OCBC Premier Visa Infinite Credit Card

  • Earn up to 28 OCBC$ (worth 11 miles) for every S$5 spent
  • Flexible rewards - OCBC$ offer access to miles, cash rebates and more
  • Enjoy fuel discounts of up to 23% at Sinopec, 19% at Caltex and 14% at Esso
Apply nowLearn more
BEST-OCBC Credit Card

BEST-OCBC Credit Card

  • Get 3% cash rebate at BEST Denki
  • Invites to members-only sales and events
Apply nowLearn more

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OCBC Platinum Credit Card

OCBC Platinum Credit Card

  • Earn 5 OCBC$ per S$5 spent (OCBC$ will be awarded for every S$5 spent on a per transaction basis. Find out more about OCBC$)
  • Enjoy travel deals from Expedia
  • Enjoy dining deals for every occasion
Learn more
OCBC Great Eastern Cashflo Credit Card

OCBC Great Eastern Cashflo Credit Card

  • Pay over 3, 6 or 12 months auto-instalments with 0% interest
  • Earn up to 1.2% rebate on other eligible transactions (Capped at S$100 monthly)
Learn more
OCBC Arts Credit Card

OCBC Arts Credit Card

  • Earn 15 OCBC$ per S$5 spent on SISTIC purchases (OCBC$ will be awarded for every S$5 spent on a per transaction basis. Find out more about OCBC$)
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      FRANK CREDIT CARD

      Cash rebates whenever you hang out or checkout online

      6% online shopping rebate

      Up to 5% entertainment rebate

      Apply now Add cardRemove
      FRANK Credit Card

      Eligibility

      Minimum age
      21 years old
      Annual income
      At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
      At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
      At least S$45,000 for foreigners

      Fees

      Principal card
      S$80 a year (First 2 years free)
      Supplementary card
      S$40 a year (First 2 years free)
      Interest rate
      26.88% per year
      Late payment charge
      S$100
      Minimum spend requirement for automatic waiver of annual fee
      S$10,000
      Total rebates are capped at S$60 per month, with a minimum monthly offline spend of S$400.
      Other fees and charges apply.

      Select a card to proceed

      OCBC 365 CREDIT CARD

      Get the most out of your every day spending

      6% cashback on every day dining (including online food delivery)

      3% cashback on groceries (including online groceries)

      Up to 23% fuel savings

      Apply now Add cardRemove

      Eligibility

      Minimum age
      21 years old
      Annual income
      At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
      At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
      At least S$45,000 for foreigners

      Fees

      Principal card
      S$192.60 a year (First 2 years free)
      Supplementary card
      S$96.30 a year (First 2 years free)
      Interest rate
      26.88% per year
      Late payment charge
      S$100
      Minimum spend requirement for automatic waiver of annual fee
      S$10,000

      Other fees and charges apply.
      Total cashback is capped at S$80 per month, with a minimum monthly spend of S$800.

      Select a card to proceed

      OCBC Rewards Card

      Rewards on your shopping, online and in stores, local and overseas

      Earn 15 OCBC$ for every S$1 spent at selected popular retailers (new ones every three months!)

      Earn 10 OCBC$ (equivalent to a 2.78% cash rebate or 4 air miles) for every S$1 spent in certain retail categories – both online and in stores

      Exchange OCBC$ for cash rebates, air miles, vouchers, products or experiences

      Apply now Add cardRemove
      OCBC Rewards Card

      Eligibility

      Minimum age
      21 years old
      Annual income
      At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
      At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
      At least S$45,000 for foreigners

      Fees

      Principal card
      S$192.60 a year (First 2 years free)
      Supplementary card
      S$96.30 a year (First 2 years free)
      Interest rate
      26.88% per year
      Late payment charge
      S$100
      Minimum spend requirement for automatic waiver of annual fee
      S$10,000
      Other fees and charges apply.

      Select a card to proceed

      OCBC 90°N Card

      Accelerated miles and rebates on your travel and everyday spend

      2.1 Miles per S$1 on foreign currency spend (Miles will be awarded as 90°N Miles in blocks of S$5 per transaction)

      1.3 Miles per S$1 on local spend

      Miles never expire

      Apply now Add cardRemove

      Eligibility

      Minimum age
      21 years old
      Annual income
      At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
      At least S$15,000 for Singaporeans and Singapore PRs aged above 55
      At least S$45,000 for foreigners

      Fees

      Principal card
      Annual Service Fee: S$54.00 (waived for the first year).
      New-to-OCBC cardmembers who opt to pay a first year Annual Service Fee of S$180 (excl. GST) will receive 10,000 Bonus 90°N Miles.
      Supplementary card
      Annual Service Fee: S$54.00 (waived for the first year).
      Interest rate
      26.88%
      Late payment charge
      S$100
      Minimum spend requirement for automatic waiver of annual fee
      S$10,000

      Other fees and charges apply.

      Select a card to proceed

      OCBC NXT CARD

      Up to S$100 rebates plus split your payments at 0% interest

      Interest-free auto-instalments

      Ease of split payments across 3 or 6 months

      Earn 1% cash rebates when your monthly bill is S$1,000 or more

      Apply now Add cardRemove
      OCBC NXT Card

      Eligibility

      Minimum age
      21 years old
      Annual income
      At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
      At least S$15,000 for Singaporeans and Singapore PRs aged above 55
      At least S$45,000 for foreigners

      Fees

      Principal card
      S$192.60 a year (First 2 years free)
      Supplementary card
      S$96.30 a year (First 2 years free)
      Interest rate
      26.88% per year
      Late payment charge
      S$100
      Minimum spend requirement for automatic waiver of annual fee
      S$10,000
      Rebates are capped at S$100 per month.
      Other fees and charges apply.

      Select a card to proceed

      FRANK CREDIT CARD

      Cash rebates whenever you hang out or checkout online

      6% online shopping rebate

      Up to 5% entertainment rebate

      Apply now Add cardRemove
      FRANK Credit Card

      Eligibility

      Minimum age
      21 years old
      Annual income
      At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
      At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
      At least S$45,000 for foreigners

      Fees

      Principal card
      S$80 a year (First 2 years free)
      Supplementary card
      S$40 a year (First 2 years free)
      Interest rate
      26.88% per year
      Late payment charge
      S$100
      Minimum spend requirement for automatic waiver of annual fee
      S$10,000
      Total rebates are capped at S$60 per month, with a minimum monthly offline spend of S$400.
      Other fees and charges apply.

      For OCBC VOYAGE Card

      An Annual Service Fee of S$492.50 (incl. GST) will be charged upon card approval and it is not waivable.

      Proceed
      or
      For Premier, PPC, and BOS VOYAGE Card

      Application for the Premier, Premier Private Client (PPC) and Bank of Singapore (BOS) VOYAGE Card is by invitation only. You may register your interest with your Relationship Manager or get us to contact you.


      Select a card to proceed

      OCBC VOYAGE Card

      Select a card to proceed

      OCBC VOYAGE Card

      Select a card to proceed

      Earn up to 28 OCBC$ (worth 11 miles) for every S$5 spent 

      Flexible rewards - OCBC$ offer access to miles, cash rebates and more

      Enjoy fuel discounts of up to 23% at Sinopec, 19% at Caltex and 14% at Esso

      Apply now Add cardRemove
      OCBC Visa Infinite Card

      Eligibility

      Minimum age
      21 years old
      Annual income
      At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
      At least S$15,000 for Singaporeans and Singapore PRs aged above 55
      At least S$45,000 for foreigners

      Fees

      Principal card
      Free
      Supplementary card
      Free

      Select a card to proceed

      BEST-OCBC Credit Card

      Enjoy great savings on electronics & appliances

      3% cash rebatesfor in-store spend

      Up to 2.5% rebatesannually

      Members-only sales and events

      Apply now Add cardRemove
      BEST-OCBC Credit Card

      Eligibility

      Minimum Age
      21 and above
      Annual Income
      At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
      At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
      At least S$45,000 for foreigners

      Fees

      Principal Card
      S$160.50 a year (First 2 years free)
      Supplementary Card
      S$80.25 a year (First 2 years free)
      Interest rate
      26.88% per annum
      Late payment charge
      S$100
      Minimum spend requirement for automatic waiver of annual fee
      S$5,000
      Other fees and charges apply.

      Select a card to proceed

      OCBC Platinum Credit Card

      Enrichment courses,recreation and shopping for the family

      1 OCBC$ on every dollar spent

      Travel deals from Expedia and more

      Dining deals for every occasion

      Apply now Add cardRemove
      OCBC Platinum Credit Card

      Eligibility

      Minimum Age
      21 and above
      Annual Income
      At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
      At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
      At least S$45,000 for foreigners

      Fees

      Principal Card
      S$160.50 a year (First 2 years free)
      Supplementary Card
      S$80.25 a year (First 2 years free)
      Interest rate
      26.88% per annum
      Late payment charge
      S$100
      Minimum spend requirement for automatic waiver of annual fee
      S$10,000
      Other fees and charges apply.

      Select a card to proceed

      OCBC Great Eastern Cashflo Credit Card

      Up to S$$200 rebates plus split your payments at 0% interest

      0.5% cash rebate with monthly bill below S$1,000

      1% cash rebate with monthly bill of S$1,000 and above

      1% cash rebateon premiums for selected insurance plans

      Apply now Add cardRemove
      OCBC Great Eastern Cashflo Credit Card

      Eligibility

      Minimum Age
      21 and above
      Annual Income
      At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
      At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
      At least S$45,000 for foreigners

      Fees

      Principal Card
      S$192.60 a year (First 2 years free)
      Supplementary Card
      S$96.30 a year (First 2 years free)
      Interest rate
      26.88% per annum
      Late payment charge
      S$100
      Minimum spend requirement for automatic waiver of annual fee
      S$10,000
      Rebates are capped at S$200 per month.
      Other fees and charges apply.

      Select a card to proceed

      OCBC Arts Credit Card

      Discounts & priority bookings for the latest in the Arts scene

      3x OCBC$for SISTIC purchases

      Apply now Add cardRemove
      OCBC Arts Credit Card

      Elligibility

      Minimum Age
      21 and above
      Annual Income
      At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
      At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
      At least S$45,000 for foreigners

      Fees

      Principal Card
      S$160.50 a year (First 2 years free)
      Supplementary Card
      S$80.25 a year (First 2 years free)
      Interest rate
      26.88% per annum
      Late payment charge
      S$100
      Minimum spend requirement for automatic waiver of annual fee
      S$10,000
      Other fees and charges apply.

      Now that you have shortlisted to 0 cards, compare them in details including actual cashback you will receive with your monthly spending.

      Compare cards
      FAQS
      Frequently Asked Questions
      Applying for an OCBC Credit Card
      1. What are the eligible criteria to apply for an OCBC Credit Card?
        • Must be at least 21 years old and above
        • Meet the minimal annual income if you are:
          • - Singapore Citizen or Permanent Resident: S$30,000
          • - Singapore Citizen or Permanent Resident aged 55 and above: S$15,000
          • - Foreigner: S$45,000

        For OCBC VOYAGE Card and OCBC Premier Visa Infinite Credit Card, please refer to the respective page for their annual income requirement.

      2. What documents are required for the application?

        We strongly recommend applying using your Singpass so that we are able to retrieve your information from Myinfo, as this allows for a faster and more seamless application process.

        If you are unable to apply using Singpass, please prepare the following supporting documents:

        • For salaried employees
          Any one of the following documents:
          • CPF Contribution Statement and Income Tax Notice of Assessment (preferred)
          • Latest month computerised pay slips and bank statement showing salary crediting
          • CPF Contribution Statement and Company letter certifying employment and salary
        • For variable/commission-based/self-employed in Singapore
          • CPF Contribution Statement and Income Tax Notice of Assessment (preferred)
        • For aged 65 and above who do not fall under the above category
          Any one of the following documents:
          • CPF Statement or bank statement reflecting CPF Life Payout
          • CPF Transaction History showing Retirement Sum Scheme (RSS) payout and balance
      3. How do I apply for an OCBC Credit Card?

        You can apply online via the OCBC website, the OCBC app, or at any OCBC branch.

      4. How long does it take for my card application to be approved?

        Applications may take up to 7 working days to process. Applications with missing documents or incomplete information may take a longer time to process.

      5. How can I check my card application status?

        You can contact our customer service hotline to check on your application status.

      6. How will I know if my card is approved?

        An email and SMS will be sent to you once your card is approved.

      7. When will I receive my OCBC Credit Card after approval?

        Once your application is approved, your OCBC Credit Card will be delivered to your registered address within 5 working days.

      8. Can I apply for more than one OCBC Credit Card?

        Yes, you may apply for more than one eligible card, subject to approval and applicable terms and conditions.

      9. Can foreigners apply for an OCBC Credit Card?

        Yes, foreigners can apply for an OCBC Credit Card as long as they are 21 years old and above and meet the minimal annual income of S$45,000.

      10. How do I apply for an OCBC Supplementary Credit Card?

        Visit this website, click on banking forms and select “Apply for a supplementary card” under the credit cards section.

      New OCBC Credit Cardmember and promotion eligibility
      1. Who qualifies as a new OCBC Credit Cardmember?

        A new OCBC Credit Cardmember is someone who does not currently hold an OCBC Credit Card and has not held one within the past 12 months.

      2. If I cancelled my OCBC Credit Card recently, am I eligible for the welcome gift?

        No. Customers who have held or cancelled an OCBC Credit Card within the last 12 months are not eligible for the welcome gift.

      3. I currently hold a supplementary card. Am I considered a new OCBC Credit Cardmember?

        Yes. Existing supplementary cardholders who do not hold an OCBC Credit Card as a principal cardholder are eligible.

      4. Can I receive multiple welcome gifts if I apply for multiple cards?

        No. Eligible customers can receive a maximum of one welcome gift.

      Welcome gift and qualifying spend
      1. What do I need to do to receive the welcome gift?

        You must successfully apply for an eligible card and meet the minimum qualifying spend requirement within the specified spend period.

      2. What transactions count towards qualifying spend?

        Any retail transaction, including face-to-face and online purchases, will count towards the qualifying spend requirement. However, qualifying spend excludes card fees and charges, annual fees, membership fees, renewal fees, Balance Transfer transactions and any related charges, Cash-on-Instalment facilities and any related charges, Instalment Payment Plans, Extended Payment Plans, income tax payments, interest charges, late payment charges, Goods and Services Tax (GST), Cash Advances, bill payments made via Internet Banking, other fees and charges, and transactions classified under certain Merchant Category Codes (“MCCs”).

        Kindly refer to the OCBC Credit Card Welcome Gift Promotion Terms and Conditions for the full list of exclusions.

      3. Can supplementary card spending count towards the qualifying spend?

        Yes. Spending on supplementary cards are combined with spending on the principal card.

      4. When does the spending period start?

        The spending period begins from your card approval date and not card activation date.

      5. When will I receive my welcome gift or bonus gift?

        Eligible customers will be notified via SMS and/or email with redemption details after eligibility has been verified. The bonus gift will be credited to eligible customers and reflected in the next credit card statement.

      6. Do I need to keep my credit card after receiving the welcome gift?

        Yes. Customers should retain their card for at least 12 months from the approval date. OCBC may recover the value of the gift if the card is cancelled early.

      Promotion

      Exclusive promotion for Live Healthy SG Participants

      Get S$60 cashback if you sign up for a Credit Card via MyInfo by 30 June 2020!

      For new to OCBC Credit Card customers only. Limited to the first 1,000 approved applications.

      Terms and conditions apply.

      Are you an OCBC cardmember?

      No, I'm new to OCBC1 

      Yes, I'm an existing OCBC cardmember2 

      1 I have not had an OCBC credit card in the last 6 months.
      2 I have/have had an OCBC credit card in the last 6 months.

      No, I'm new to OCBC1 

      Yes, I'm an existing OCBC cardmember2 

      1 I have not had an OCBC credit card in the last 6 months.
      2 I have/have had an OCBC credit card in the last 6 months.

      Choose the card you want

      card
      OCBC 90°N Mastercard:
      Select 
      card
      OCBC 90°N Visa Card:
      Select 

      Select 90°N Card

      card
      Select
      card
      Select

      Choose a sign-up reward

      gift1-miles
      Up to 55,000 miles1
      (worth a return trip to Tokyo/Seoul)
      Choose this reward 
      gift2-samsonite
      [FULLY REDEEMED] Samsonite STEM Spinner 28" TRUNK1
      (worth S$650)

      1Eligibility is subject to all qualifying conditions.

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