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

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

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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

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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.

Healthcare perks
Get health and wellness deals with HealthPass

HealthPass by OCBC is the daily health app for you. Choose from over 150 general practitioners and specialists available for both telehealth and in-clinic visits, at flat consultation fees.

With a curated range of wellness services, including health screening, dental, TCM and more, taking care of your healthcare needs is now made simpler than ever.

Download HealthPass by OCBC

In-app offers for cardmembers

Pre-departure COVID-19 test

Pre-departure COVID-19 test

  • Swab test at S$128
  • Swab + Serology test (for China travellers) at S$170

Prices are for OCBC Credit Card holders only. Use code at checkout: OCBC + First 6 digits of your OCBC 365 Credit Card

Terms and conditions apply.

Read more

S$14 flat GP video consultation

S$14 flat GP video consultation

Apply the code: OCBC + First 8 digits of your OCBC 365 Credit Card during payment checkout for a GP video consultation at S$14.

*Unlimited usage of promo code for cardholders.

Terms and conditions apply.

Read more

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)

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

Other fees and charges



Ways to apply

Apply for the OCBC 365 Credit Card today

card
FAQs
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 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