OCBC 365 Credit Card

Get the most out of your cashback

Why you will love this

Get 6% cashback on dining & online food delivery

Get 3% cashback on groceries, land transport, utilities and online travel

Enjoy up to 22.1% fuel savings at Caltex

Who can apply

Singaporean or Singapore PR above 21 years old with an annual income of at least S$30,000

Foreigner above 21 years old with an annual income of at least S$45,000

Apply online

Earn cashback 7 days a week, 365 days a year, everywhere. The true everyday card that gets you the most out of your everyday spending.

Benefits
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6%

a month

Dining

  • Local and overseas dining
  • Online food deliver

    Click here for more dining deals
  • Local and overseas dining
  • Online food deliver

    Click here for more dining deals
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3%

a month

Groceries

  • Local and overseas groceries
  • Online groceries
  • Local and overseas groceries
  • Online groceries
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3%

a month

Land transport

  • Local and overseas private hire rides (e.g. Grab (excluding GrabPay), Gojek and TADA)
  • Local and overseas taxi rides (e.g. ComfortDelGro)
  • Local and overseas private hire rides (e.g. Grab (excluding GrabPay), Gojek and TADA)
  • Local and overseas taxi rides (e.g. ComfortDelGro)
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5%

a month

Petrol

  • 5% cashback on fuel spend at all petrol service stations
  • Up to 22.1% fuel savings at Caltex (including 18% instant discount for all fuel)
  • Up to 20.2% fuel savings at Esso
  • 5% cashback on fuel spend at all petrol service stations
  • Up to 22.1% fuel savings at Caltex (including 18% instant discount for all fuel)
  • Up to 20.2% fuel savings at Esso
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3%

a month

Utilities

  • Recurring telco bills (e.g. StarHub, Singtel, M1, MyRepublic and CirclesLife)
  • Recurring electricity bills (e.g. Geneco, Sembcorp Power and Senoko Energy)
  • Recurring telco bills (e.g. StarHub, Singtel, M1, MyRepublic and CirclesLife)
  • Recurring electricity bills (e.g. Geneco, Sembcorp Power and Senoko Energy)
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3%

a month

Online travel

  • Online air and cruise tickets purchases
  • Online hotel and tour bookings (e.g. Agoda and Airbnb)

    Click here for more online travel deals.
  • Online air and cruise tickets purchases
  • Online hotel and tour bookings (e.g. Agoda and Airbnb)

    Click here for more online travel deals.
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0.3%

a month

Other expenses

  • All other spending
  • All other spending

To enjoy the above cashback, you need to spend a minimum of S$800 based on posted transactions in a calendar month. If you spend less than S$800, a flat 0.3% cashback is awarded.

Cashback amount is capped at S$80 per calendar month.

Additional promotions

6% cashback on groceries and drugstore purchases

Enjoy 6% cashback on groceries (up from 3%) and selected drugstores*! To enjoy these benefits, simply be the first 13,000 customers to SMS “365DE<space>Last 6 digits of your credit card number” to 72377, e.g. 365DE 123456.

Valid from now till 31 May 2020.

*Only applicable for purchases at Guardian, Unity and Watsons.

Terms and conditions apply.

Privileges
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Complimentary travel insurance of up to S$500,000

Get complimentary Travel Personal Accident Insurance of up to S$500,000 when you charge your round-trip air/sea/land travel tickets to your OCBC 365 Credit Card. Terms and conditions apply.

Terms and conditions
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Visa Concierge Services

Take advantage of a host of services available to you over the phone or online, 24 hours a day from anywhere in the world.

Find out more
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Visa Luxury Hotels

Enjoy complimentary upgrades and other VIP privileges at participating luxury boutique hotels and resorts.

Find out more
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Visa Checkout – the easier way to pay online

Enjoy exclusive movie ticket offers when you book online with Visa Checkout.

Find out more
Before you apply

Eligibility requirements

Minimum age

21 years old

Annual income

S$30,000 and above for Singaporeans and Singapore PRs
S$45,000 and above for foreigners

Fees

Principal card

S$192.60 a year (waived for the first 2 years)

Supplementary card

S$96.30 a year per card (waived for the first 2 years)

Minimum spend requirement for automatic waiver of annual fee

S$10,000 in one year, starting from the month after your OCBC 365 Credit Card was issued

Terms and conditions

Terms and conditions governing OCBC 365 Credit Card Cashback Programme (with effect from 1 Oct 2019)

OCBC Credit Cardmembers Agreement

Ways to apply

Apply for the OCBC 365 Credit Card today

Apply online

or visit us at a branch.

Locate a branch
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FAQs
Common questions
More questions and answers
What is excluded from the minimum S$800 monthly spend?

Cashback is not awarded on the following: Annual card fees, Cash-On-Instalments, Instalment Payment Plan, PayLite, tax payments, interest, late payment charges, cash advances, balance transfers, bill payments made via Internet Banking, AXS or SAM network, and other fees and charges.

Transactions which are performed at merchants that fall into the exclusion categories/excluded organisations as set out in the terms and conditions governing OCBC 365 Credit Card Cashback Programme (with effect from 1 October 2019) are excluded from the calculation of the minimum spend.

How much cashback can I earn each month?
The maximum amount of cashback that one account (the principal and all supplementary cardholders together) can earn each month is S$80. This works out to a total of S$960 in cashback every year.
How will I receive the cashback?
The cashback earned on the transactions performed in the current month will be credited in the OCBC 365 card statement in the next month.
What is the difference between transaction date and posting date?
Transaction date refers to the date when a purchase is made.

Posting date refers to the date the transaction is received by the card issuer, OCBC Bank. As merchants may make a settlement a few days after the transaction has been made, posting date may be a few days later than the transaction date. As such, the bank has no control over when merchant records the transaction.

The cashback computation is based on the transactions posted within the calendar month.
More questions and answers

Dining

  • Dining cashback is applicable to spend at dining merchants locally and overseas with their main business activity classified as "Dining" which includes restaurants, cafes, caterers and fast food outlets.
  • Online food delivery is applicable to online spend made at food delivery merchants with their main business activity classified as "Dining". For example, Deliveroo and Foodpanda.
  • Where the local and overseas dining merchant is located within a hotel, bar or a country club, the main business activity of such merchant may not be classified as "Dining".
  • For the avoidance of doubt, the dining spend incurred at any merchant not classified as "Dining", such as spend on dining at bar and/or pubs as well as wedding banquets held at hotels and country clubs will not qualify for the dining cashback.

Groceries

  • Grocery cashback is applicable to spend at grocery merchants locally and overseas with their main business activity classified as "Grocery" only.
  • Online grocery is applicable to online spend made at grocery merchants with their main business activity classified as "Grocery". For example, FairPrice On and Honestbee.

Land transport

  • Land transport cashback is applicable to spend made at road and rail transport locally and overseas such as Grab (excluding GrabPay), Gojek, RYDE and ComfortDelGro.

Petrol

Petrol cashback is applicable to spend made at all petrol kiosks locally and overseas with their main business activity is classified as "Petrol".

For the avoidance of doubt, the petrol spend incurred through fleet cards (i.e. corporate charge cards that offer existing discounts, e.g. Abecha-Esso fleet) do not qualify for the petrol cashback.

Petrol

Enjoy up to 22.1% fuel savings all year round at Caltex service stations.

This is made up of: 
  • 18% upfront discount for all grades of petrol and diesel (this includes payment via CaltexGO app)
  • 4.1% cashback on gross fuel spend (or equivalent to 5% cashback on nett fuel spend) at Caltex as long as a minimum of S$800 spend is charged to OCBC 365 Credit Card in a calendar month

Figures are rounded to 1 decimal place and based on gross fuel spend of S$100 for easier illustration.

Download or find out more about CaltexGO app

Terms and conditions apply

Petrol

Enjoy up to 20.2% fuel savings all year round at Esso service stations.

*Fuel savings of 20.2% at Esso service stations comprises of:
  • 16% upfront discount which includes station onsite discount, petrol station loyalty programme discount and OCBC 365 Credit Card discount and
  • Additional 5% rebate on nett fuel spend after discount (equivalent to 4.2% savings before discount), provided the Cardmember spends at least S$800 in total on an OCBC 365 Credit Card in a month. Transactions must be posted within a calendar month to qualify. Maximum cashback per month is capped at S$80.

Discount rates stated may be subject to change from time to time without prior notice. Please check onsite for prevailing rates.
All discounts will be applied on prevailing pump prices of fuel purchased. Figures are rounded to 1 decimal place. Terms and conditions of OCBC 365 Credit Card cashback programme apply.

Find out more

Petrol

Enjoy up to 24% fuel savings at Sinopec service stations.

Fuel savings comprises:
  • 20% instant onsite discount, with OCBC 365 Credit Card payment
  • Additional 4% cashback on gross fuel spend (equivalent to 5% cashback on nett fuel spend) at Sinopec with a minimum of S$800 total monthly spend charged to OCBC 365 Credit Card 

Find out more

Utilities

Telco
Recurring Utilities cashback is only applicable when payment has been setup as recurring to the following telco service providers, such as SingTel, Starhub, M1, MyRepublic, Circles.Life and Liberty Wireless.

Electricity
Recurring Utilities cashback is only applicable when payment has been setup as recurring to the following power service providers, such as Senoko Energy, Sembcorp Power and Keppel Electric. To understand more about the Open Electricity Market and view the full list of retailers, you may click here.

Online travel

Online travel cashback is applicable to online spend made at travel merchants with their main business activity classified as "Travel". For example online airlines and hotel bookings, and online attractions booking engine (e.g. Agoda and Airbnb).