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
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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

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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.

8th anniversary promotion

Celebrating 8 great years!

Upsize your cashback on OCBC 365 Credit Card for our 8th birthday. Get 8% cashback on all groceries and dining when you spend S$80 or more on either of these categories in a single transaction on Thursdays.

To register for this promotion, SMS 365ANV Date of Birth in the format DDMMYYYY to 72377. E.g. 365ANV 01011997

To qualify for this promotion, you need to spend a minimum of S$800 based on posted transactions in a calendar month. Each qualified customer can only receive up to S$80 cashback in a calendar month (this is inclusive of the usual cashback offered under the OCBC 365 Credit Card Programme).

Valid till 29 December 2022.

Terms and conditions apply.

OCBC 365 Credit Card x OCBC 360 Account promotion
Get rewarded with OCBC 360 Account and OCBC 365 Credit Card

New to OCBC Bank? Here is why together is always better. Get rewarded when you sign up for both the OCBC 365 Credit Card and OCBC 360 Account!

S$150 cash reward

Here's how:

  1. Open an OCBC 360 Account
  2. Credit your salary of at least S$1,800 per month through GIRO
  3. Apply for an OCBC 365 Credit Card
  4. Make 5 qualifying transactions on your OCBC 365 Credit Card within 2 months of account opening

OR

S$118 cash reward

Here's how:

  1. Open an OCBC 360 Account
  2. Credit your salary of at least S$1,800 per month through GIRO

Promotion is applicable to any person who (i) currently does not hold any existing OCBC accounts or products, and (ii) has not held any OCBC account or products in the previous 6 months.

Till 31 October 2022. To qualify, you must credit your salary of at least S$1,800 per month to your OCBC 360 Account, and make at least 5 qualifying retail transactions in 2 months on your OCBC 365 Credit Card.

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

Top Transactor promotion

Stand to win S$30 cashback weekly!

From now till 1 October 2022, be the top 1,000 cardholders per week with the highest number of transactions (minimum of 20 transactions per week) and get S$30 cashback weekly.

That's up to S$210 cashback for 7 weeks!

Terms and conditions apply.

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 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$90
  • Swab + Serology test (for travellers to China) at S$135

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



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

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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