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

UPSIZED Earn 6% 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

Apply online
 

Earn bonus interest when you pair your card with the 360 Account Find out more

IMPORTANT NOTICE

Revision of interest rate for all OCBC credit cards

From 8 May 2023, the interest rate applied to the outstanding balance for all OCBC credit cards will be 27.78% instead of 26.88% per annum. If the minimum amount is not paid by the due date, a higher interest rate of 30.78% per annum will apply.

The true everyday credit card that gives you the most cashback for your everyday use and spending – from daily necessities to recurring bills.

cashback 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

  • Bus and train rides using SimplyGo
  • Local and overseas private hire rides (e.g. Grab (excluding GrabPay), Gojek and TADA)
  • Local and overseas taxi rides (e.g. ComfortDelGro)
  • Bus and train rides using SimplyGo
  • Local and overseas private hire rides (e.g. Grab (excluding GrabPay), Gojek and TADA)
  • Local and overseas taxi rides (e.g. ComfortDelGro)
icon_8

6%

a month

UPSIZED Petrol

  • 6% cashback on fuel spend at all petrol service stations
  • Up to 22.92% fuel savings at Caltex (including 18% instant discount for all fuel)
  • Up to 21.04% fuel savings at Esso
  • 6% cashback on fuel spend at all petrol service stations
  • Up to 22.92% fuel savings at Caltex (including 18% instant discount for all fuel)
  • Up to 21.04% fuel savings at Esso
icon_7

3%

a month

Utilities

  • Recurring telco bills (e.g. StarHub, Singtel, M1, MyRepublic and CirclesLife)
  • Recurring electricity bills (eg. Geneco, Keppel Electric, Sembcorp Power, Senoko Energy and Singapore Power)
  • Recurring telco bills (e.g. StarHub, Singtel, M1, MyRepublic and CirclesLife)
  • Recurring electricity bills (eg. Geneco, Keppel Electric, Sembcorp Power, Senoko Energy and Singapore Power)
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.

ENJOY MORE BENEFITS BUNDLING WITH A 360 ACCOUNT
Earn higher interest rates with OCBC 360 Account and OCBC 365 Credit Card

Here is why together is always better. Earn up to 4.65% a year on the first S$100,000 in your OCBC 360 Account when you do more with us.

Plus, enjoy S$50 cash reward when you open your OCBC 360 Account and credit your salary within 2 months.

Find out more

Promotions

Save up to S$72 on petrol with your new OCBC 365 Credit Card

Sign up now and receive 6 x S$6 vouchers from each of Caltex and Esso to offset your fuel purchases.

Terms and conditions apply.

Privileges
770-x-770-image-3

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
770-x-770-image-2

Visa Luxury Hotels

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

Find out more
770-x-770-image

Make online payments swiftly and securely with Visa

Online payments are now made easy, smart and secure when you choose Click to pay with Visa. Visa Cardmembers can simply select the Click to Pay icon upon checkout and that’s it.

Find out more
770-x-770-image-3
770-x-770-image-2
770-x-770-image
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

Fees and charges

Terms and conditions

OCBC Credit Cardmembers Agreement

Terms and Conditions governing OCBC 365 Credit Card Cashback Programme

Declaration and Agreement for OCBC Card(s)

Sheng Siong Promotion

Terms and Conditions governing the OCBC Treats Campaign

Terms and Conditions governing the OCBC CC SBM Promotion (Spend and Buy Miles)

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

Apply online

or visit us at a branch.

Locate a branch
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

Merchants / Addresses

Order channels

B.K. Forture Seafood 

  • 885 / 887 Bukit Timah Road, Singapore 279896 

Geylang Claypot Rice 

  • 361/363/365 Beach Road Singapore 199576 
  • Pre-order via call in: 6744 4574 (payment onsite)
  • Order at outlet

Kelly Jie Seafood - Formerly TPY Mellben 

  • Blk 211 Toa Payoh Lorong 8 #01-11/15, Singapore 310211

Keng Eng Kee Seafood (KEK)

  • 124 Bukit Merah Lane 1, #01-136, Singapore 150124

Long Ji Zi Char 

  • 253 Outram Rd, Singapore 169049 
  • Pre-order via call in: 9790 5682 (payment onsite)
  • Order at outlet

Mellben Seafood (Ang Mo Kio) 

  • 232 Ang Mo Kio Ave 3 #01-1222 Singapore 560232

Nan Hwa Chong Fish Head Steamboat

  • 812 North Bridge Rd, Singapore 198779

New Ubin Seafood

  • CHIJMES – 30 Victoria St, #02-01B/C Singapore 187996
  • Tampines – 18 Tampines Industrial Cres, #01-16 Singapore 528605
  • Zhongshan Park – 16 Ah Hood Rd, Singapore 329982

Por Kee Eating House 1996 (Seng Poh Lane)

  • 69 Seng Poh Lane, #01-02 Singapore 160069
  • Pre-order via call in: 6221 0582 (payment onsite)
  • Order at outlet

Red House Seafood

  • Clarke Quay – 3C, River Valley Road #01-02/03, The Cannery Singapore 179022
  • Grand Copthorne – Grand Copthorne Waterfront Hotel (Level 2), 392 Havelock Road Singapore 169663 
  • Pre-order via call in:
  • Order at outlet

Sin Hoi Sai Seafood Restaurant (Tiong Bahru Road)

  • Blk 55 Tiong Bahru Road #01-59 Singapore 160055

Sum Kee Food

  • No.2, Telok Blangah Street 31, Yeo's Building Singapore 108942
  • 19 Yung Ho Road Singapore 618592

Tasty Loong by Chef Pung

  • 50 Tiong Bahru Road #01-04 Singapore 168733
  • 81 Lor Chencharu Orto Park Singapore 769198

Uncle Leong Seafood

  • Punggol – 6 Tebing Lane, #01-03, Punggol East, Singapore 828835
  • Anchorpoint – 368 Alexandra Road, Anchorpoint Shopping Centre, Singapore 159952
  • Pre-order via call in:
  • Order at outlet

White Restaurant

  • Waterway Point – 83 Punggol Central, #B1-12, Singapore 828761
  • 30 Sembawang Drive, #03-12, Sunplaza, Singapore 757713
  • Jewel Changi Airport – 78 Airport Boulevard #B1-245-246, Singapore 819666
  • IMM – 2 Jurong East Street 21, #02-24, Singapore 609601
  • 3 Temasek Boulevard Suntec City, Fountain Court, #B1-131, Singapore 038983
  • 22 Jalan Tampang (Opp Sembawang Shopping Centre), Singapore 758966

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.

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) 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 Geneco, Keppel Electric, Sembcorp Power and Senoko Energy. Learn more about the Open Electricity Market and the full list of retailers.

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).

Promotion period Recurring insurance premium (Min. 2 months) Cashback you’ll earn
From 10 April till 31 July 2021 S$500 per month S$80
S$1,000 per month S$120

Cashback earned from this promotion is on top of the S$80 cashback you can earn from your OCBC 365 Credit Card per calendar month.

Here's how you can qualify for S$250 worth of cashback upon successful sign-up.

Example: