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

 

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
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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

  • 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)
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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
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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)
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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.

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
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