OCBC 365 Credit Card

Cashback every day, everywhere

Why you will love this

Earn 6% cashback on all dining and online food delivery

Earn 3% cashback on all groceries, land transport, utilities and online travel purchases

Earn 5% cashback on fuel at all petrol service stations

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

 

Celebrate our 8th anniversary with bigger rewards Find out more

Earn cashback 7 days a week, 365 days a year, everywhere. The true everyday credit card that gives you the most cashback for your everyday use and spending.

Benefits
icon_11

6%

a month

Dining

icon_10

3%

a month

Groceries

  • Local and overseas groceries
  • Online groceries
  • Local and overseas groceries
  • Online groceries
icon_9

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)
icon_8

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
icon_7

3%

a month

Utilities

icon_6

3%

a month

Online travel

icon_5

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.

8th anniversary promotion

Celebrating 8 great years!

Earn more rebates with the OCBC 365 Credit Card for our 8th birthday. On Thursdays, earn 8% in cashback on your grocery shopping or dining if each transaction is at least S$80! The maximum cashback you can earn (including this promotion) is S$80 a month. Just spend at least S$800 – not just on grocery shopping or dining – that month.

To register for this promotion, SMS 72377 with: 365ANV <space> Date of Birth in the format DDMMYYYY. E.g. 365ANV 01011997


Till 29 December 2022.


Terms and conditions apply.

OCBC Christmas Promotion

Welcome the festive joy again with OCBC

Be rewarded with amazing gifts and festive deals when you pay with the OCBC 365 Credit Card.

OCBC 360 Account x OCBC Credit Card promotion
Earn higher interest rates with OCBC 360 Account and OCBC 365 Credit Card

Here is why together is always better. Earn up to 7.65% a year on the first S$100,000 in your OCBC 360 Account when you do more with us.

Find out more

Burpple Beyond Premium Membership

Year-long Burpple membership up for grabs!

Apply for a new OCBC 365 Credit Card online and make a minimum of 5 qualifying transactions within 30 days of your card approval to receive a free 12-month Burpple Beyond Premium membership (worth S$99).

Gain access to 1-for-1 deals at over 600 restaurants, cafes, and bars. What’s more, you can enjoy an additional 6% cashback on dining with your OCBC 365 Credit Card. 

Promotion is applicable to both new and existing OCBC Cardmembers. Valid till 31 December 2022.

Terms and conditions apply.

Apply now

Privileges
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)
S$194.40 from 1 January 2023

Supplementary card

S$96.30 a year per card (waived for the first 2 years)
S$97.20 from 1 January 2023

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

Other fees and charges



There are 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 website of the Third Parties.

Ways to apply

Apply for the OCBC 365 Credit Card today

card
FAQs
Common questions about OCBC 365 Credit Card
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 April 2021) 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 up to 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