OCBC 365 Credit Card

Earns You Cashback All Year Round

The OCBC 365 Credit Card. Earns You Cashback All Year Round.
Dining

6%

  • Weekend dining locally

3%

  • Weekday dining locally
  • Overseas dining worldwide
Online Shopping

3%

  • All your purchases on travel, fashion, movie tickets and more!
Petrol

Up to

23.9%

  • Fuel Savings at selected petrol stations

5%

  • Cashback at all other petrol service stations
Groceries/ Beauty

3%

  • NEW!
    Personal care (The Body Shop, Unity Pharmacy and Watsons)
  • Supermarkets island-wide
Telecommunication

3%

  • Recurring telco bills
    (SingTel, StarHub, M1)
Other Expenses

0.3%

  • All other spending
  • Dining cashback is applicable to all restaurants, cafes, fast food outlets, caterers; F&B outlets located within country clubs and hotels are excluded.
  • Online retail transactions are defined as goods or services you buy via the internet and pay with your OCBC 365 Credit Card, and exclude purchases made via telephone or mail order.
  • Annual Card Fees, Instalment Payment Plans, Fees and charges such as interest and late payments are not included.
  • Online transactions under the following categories are excluded from the calculation of cashback:

Category

Government institutions

Financial institutions (including banks & brokerages)

Insurance companies

Prepaid accounts and payment service providers

Subscription / recurring fees

Hospitals

Schools

Professional services provider
 

Membership fees to clubs and associations
 

Donations & charity

Parking lots

Utility bills

OCBC Internet Banking (excluded from 0.3% rebate)

Some Examples

LTA fines, CPF, MOM, ICA, ACRA

IG MARKETS, OANDA PACIFIC, FOREX.COM, Swiss Money Transfer

NTUC Income, Great Eastern, AIG, AIA, AVIVA

EZLINK (FEVO), EZLINK (IMAGINE)

Google*Adws, LINKEDIN, ODESK, BLUEHOST, NATGEO MAG

TTSH, ALEXANDRA, CGH, SGH – EPAY

CFA INSTITUTE, SIM UNIVERSITY, NUS, SMU

Personal paypal accounts, GOOGLE Ads, Facebook Ads, Amazon Web Services, MEDIA TRAFFIC AGENCY INC.

NTUC LINK, ASME, KATOOMBA CHRISTIAN, WWW.ACTUARIES.ORG.UK, ISACA

CITY HARVEST CH, TRUE BUDDHA FOUNDATION

FLASHPAY ATU, GOLDEN SHOE CARPARK

SP Services, AXS ONLINE GOVT

Town Councils, URA Fines, HDB, NTUC Income



Find out which are the common local and overseas websites where you can earn cashback from. There could be other eligible websites that are not on this list.

  • 365 Caltex

    Enjoy up to 23.9% fuel savings* all year round at Caltex

    Terms and conditions apply

    *Fuel savings of 23.9% at Caltex comprises of
    (i) 16% upfront Platinum 98 discount which includes station onsite discount and OCBC Credit Card discount
    (ii) 1 litre of fuel purchase = 3 LinkPoints earned with your Plus card. LinkPoints issuance terms and conditions apply. For more details, please visit caltex.com/sg-plus.
    (iii) 5% cashback on the nett fuel amount charged to OCBC 365 Credit Card
    (iv) $10 rebate with a minimum $300 nett fuel amount charged at Caltex to OCBC 365 Credit Card within a calendar month

    The benefits set out in (ii), (iii) and (iv) can be enjoyed on any grade of petrol and diesel purchased at Caltex.

  • 365 Esso Sservice stations

    Enjoy up to 18.3% fuel savings* all year round at Esso service stations

    Terms and conditions apply

    *Fuel savings of 18.3% at Esso service stations comprises of
    (i) 14% upfront discount which includes station onsite discount, petrol station loyalty programme discount and OCBC 365 Credit Card discount and
    (ii) 5% cashback on the nett petrol amount charged to OCBC 365 Credit Card.
    (iii) 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.

    3% Cashback on selected Personal Care stores – The Body Shop, Unity Pharmacy and Watsons

  • You can enjoy this promotion if:
    • You sign up for an OCBC 365 Principal card during the Promotion Period; or
    • You are an existing OCBC 365 cardmember as at 17th October 2016 and is amongst the first 10,000 cardmembers to enrol into the Promotion via the SMS
      365PC<space>Name<space>NRIC/Passport number to 76062.
  • Validity period: 17th October 2016 to 31st December 2016
  • You need to spend a minimum of S$600 on OCBC 365 Card to enjoy the benefits of the Promotion. The spending can be aggregated between the Principal and Supplementary Cardmembers.
  • If you spend less than S$600, a flat 0.3% cashback is awarded.
  • The tier-up cashback at these selected merchants is capped at S$10 per principal card account every month and is on top of the $80 monthly cashback cap you can earn under the OCBC 365 Credit Card Cashback Programme.
  • Click here for full terms and conditions.

Simply download and print out this form, then submit to your chosen telecommunication provider:

  • From 1 July 2015, cardmembers will earn 0.3% cashback on EZ-Link and TransitLink transaction(s) not exceeding S$200 posted in a calendar month.

Spend a minimum of S$600 based on posted transactions in a calendar month.
Posting date refers to the date when OCBC Bank receives the transaction details from the merchant/retailer that you make a transaction at. This may differ from your transaction date. Please refer to FAQs for more details.
If you spend less than S$600, a flat 0.3% cashback is awarded. Cashback amount is capped at S$80 per calendar month.

With effect from 1 June 2015, there has been a revision on the types of online transactions eligible for the 3% online cashback. For more information, please refer to the FAQ for full details.

Medical

3%

  • Medical Spend transacted over the counter (Dental, clinics, cord blood banking and hospitals)

 

365 Complementary Travel Insurance

Enjoy complimentary travel insurance of up to $200,000

Simply charge your return air tickets to your OCBC 365 Card and you will get up to S$200,000 complimentary Travel Personal Accident Insurance and up to S$400 coverage for Baggage Loss (more than 48 hours).

Find out more

365 Concierge

Concierge

The Visa Signature Concierge is available 24 hours a day, 7 days a week to help you with your lifestyle needs.

Find out more

 

365 Travel

Explorer Travel Insurance

Up to 50% off travel insurance

Find out more

ZALORA

Additional 19% off with a minimum spend of S$110, unlimited use!

Find out more

Expedia

Get 10% off hotel bookings

Find out more

 

Visa Concierge Preferred Dining Programme

Get recommendations and reservations at top restaurants in the world with this complimentary Visa Dining Programme. .

Find out more

Visa Luxury Hotels

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

Find out more

Visa Checkout

Visa Checkout - the easier way to pay online

Enjoy exclusive movie ticket offers when you book online here with Visa Checkout.

Find out more

For more details, visit the Visa Signature site.

Eligibility

Minimum Age
21 and above
Annual Income
S$30,000 and above for Singaporeans and Singapore PRs
S$45,000 and above for foreigners

Fees & Charges

Principal Card
$192.60 a year (First 2 years free)

Annual fee will be waived if you spend at least S$10 000 by each anniversary date of your OCBC 365 Credit Card.

Supplementary Card
$96.30 a year (First 2 years free)

The effective interest rate is 25.92% per annum and is subject to compounding if the monthly charges are not repaid in full.

Late payment charge
With effect from 4 January 2016, the late payment charge for OCBC 365 Credit Card will be revised to S$80.

Annual fee waiver spend requirement
With effect from 1 June 2016, we will revise the minimum spend requirement for automatic waivers of Annual Fee for OCBC 365 Card from S$5,000 to S$10,000.

Apply Now

How to apply for a supplementary card

Terms and conditions

With effect from 3rd January 2017, the terms and conditions governing OCBC 365 Card Cashback Programme will be revised for clarification purposes.