OCBC 365 Credit Card | Get Cashback on Everyday Spending

OCBC 365 Credit Card

Enhanced cashback every day, everywhere

Why you will love this

Enjoy 2x more cashback of up to S$160

Enjoy 3% cashback on Watsons, streaming and EV charging

Enjoy 5% cashback on dining and food delivery

Who can apply

Singaporeans and Singapore PRs aged 21 to 55, with an annual income of at least S$30,000

Singaporeans and Singapore PRs aged above 55, with an annual income of at least S$15,000

Foreigners aged 21 and above, with an annual income of at least S$45,000

Apply now
 

Get upsized welcome rewards when you sign up today! Find out more

IMPORTANT NOTICE

Changes to OCBC 365 Credit Card cashback benefits from 1 November 2026

From 1 November 2026, the eligible cashback categories, cashback rates, minimum spend requirement and cashback cap for the OCBC 365 Credit Card will be revised.

Key updates include:

  • Cashback programme will be simplified to a single S$800 minimum spend requirement and S$160 monthly cashback cap.
  • Cashback on eligible Dining, Groceries and Land Transport transactions will increase to 6%.
  • Eligible Dining transactions will be expanded to include fast food restaurants.
  • Petrol transactions will continue to earn 6% cashback.
  • Cashback on Telco, Utilities, Streaming and EV Charging transactions will change to the base cashback rate of 0.25%.
  • Watsons transactions will continue to earn 3% cashback until 31 March 2027, after which the base cashback rate of 0.25% will apply.
  • Eligible advertising platform spend continues to earn up to 1% cashback, with no cashback cap and no minimum spend requirement.

For more details, please refer to our Frequently Asked Questions and revised Terms and Conditions.

Get monthly cashback for your everyday spends

Enjoy cashback at all your favourite brands across various categories – from daily necessities to recurring bills and more.

cashback Benefits

Here's what you can earn:

Spend Tiers Minimum Spend Cashback Cap
Tier 1 S$800 S$80
Tier 2 S$1,600 S$160

Petrol

6%

a month

Petrol

  • 6% cashback on fuel spend at all petrol service stations
  • Up to 29.5% off fuel at Caltex, Esso and Sinopec
  • 6% cashback on fuel spend at all petrol service stations
  • Up to 29.5% off fuel at Caltex, Esso and Sinopec
Dining

5%

a month

Dining

  • Local and overseas dining
  • Online food delivery at foodpanda and GrabFood

View more dining deals

  • Local and overseas dining
  • Online food delivery at foodpanda and GrabFood

View more dining deals

Groceries

3%

a month

Groceries

  • Local and overseas groceries
  • Online groceries
  • Local and overseas groceries
  • Online groceries
Land transport

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)
Watsons

3%

a month

Watsons

  • All purchases made at Watsons stores and Watsons Online
  • All purchases made at Watsons stores and Watsons Online
Streaming

3%

a month

Streaming

  • Streaming services like Netflix, Disney+, Spotify and Apple Music
  • Streaming services like Netflix, Disney+, Spotify and Apple Music
Electric Vehicle Charging

3%

a month

Electric Vehicle Charging

  • Charging stations (e.g. SP Digital, Greenlots, CDG Energy and City Energy)
  • Charging stations (e.g. SP Digital, Greenlots, CDG Energy and City Energy)
Utilities

3%

a month

Utilities

  • Recurring telco bills
  • Recurring electricity bills (eg. Geneco, Keppel Electric, Sembcorp Power, Senoko Energy and Singapore Power)
  • Recurring telco bills
  • Recurring electricity bills (eg. Geneco, Keppel Electric, Sembcorp Power, Senoko Energy and Singapore Power)

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 0.25% cashback is awarded.

Cashback amount is capped at S$160 per calendar month.

Refer to terms and conditions for more details.

New merchant category

Now, you can earn up to 1% in cashback on marketing expenses with your OCBC 365 Credit Card. There is no limit to the cashback you can earn and no minimum spending required.

1%

in cashback

For full payment transactions

made with selected advertising platforms.

made with selected advertising platforms.

0.5%

in cashback

For instalment payment plans

made with selected advertising platforms.

made with selected advertising platforms.

Read our Terms and Conditions and FAQs for more details.

EXCLUSIVE WELCOME PROMOTION
Apply, spend and unlock gifts worth over S$700#!

WELCOME GIFT
Apply for an OCBC 365 Credit Card and spend a minimum of S$300 within 30 days of approval to receive:

  • DELSEY Air Armour 68cm Luggage
  • 2-year annual fee waiver

Spend another S$300 within the same period to get a bonus gift of S$180 cashback.

Apply now

#Valid till 30 September 2026. T&Cs, card fees and charges apply. Promotion is only available to new OCBC Credit Cardmembers. Limited to 1 DELSEY Air Armour 68cm Luggage and 1 bonus gift. While stocks last. Featured products are for illustration only; actual colours may vary.

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 1.95% a year on the first S$100,000 in your OCBC 360 Account when you do more with us.

Find out more

Terms and conditions apply. Insured by up to S$100K by SDIC.

Promotion

Discover all our deals in one place

Enjoy dining, shopping and travel offers provided by over 100 merchants.

View offers

Your next meal could be free when you pay with an OCBC credit or debit card!
Before you apply

Eligibility requirements

Minimum age

21 years old

Annual income

At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 55

At least S$15,000 for Singaporeans and Singapore PRs aged above 55

At least S$45,000 for foreigners

Income documents

View accepted income documents

Fees

Principal card

S$196.20 (including GST), waived for the first two years

Supplementary card

S$98.10 (including GST), waived for the first two years

Minimum spending required to have your Annual Service Fee automatically waived

S$10,000 in one year, starting from the month in which 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 (until 31 October 2026)

Terms and Conditions governing OCBC 365 Credit Card Cashback Programme (with effect from 1 November 2026)

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 now

or visit us at a branch.

Locate a branch
card
FAQS
Common questions about changes to OCBC 365 Credit Card from 1 November 2026​
What are the changes to the OCBC 365 Credit Card effective from 1 November 2026?

From 1 November 2026, we will update the cashback structure for the OCBC 365 Credit Card to make it simpler, with changes to the cashback rates.

Here is a summary of the key changes:

Until 31 October 2026 From 1 November 2026
Cashback structure Two tiers based on monthly spend One simplified tier
Minimum spend S$800 or S$1,600 S$800
Monthly cashback cap Up to S$80 or S$160 S$160
Cashback Earn Rate
Groceries 3% 6%
Land Transport
Dining* 5%
Petrol 6%
Watsons 3% 3% until 31 March 2027; 0.25% from 1 April 2027
Telco 0.25% (base rate)
Utilities
EV Charging
Streaming

If you spend at least S$800 in a calendar month, you can earn up to S$160 cashback per month.

If you do not meet the minimum spend requirement, you will continue to earn the base cashback rate of 0.25% on eligible transactions.

*Eligible Dining transactions will include fast food restaurants.

You will continue to earn up to 1% cashback on eligible advertising platform spend, with no cashback cap and no minimum spend requirement.

For more details, please refer to our revised Terms and Conditions, which will come into effect on 1 November 2026.

What happens if I do not meet the S$800 minimum spend requirement?

If you do not meet the S$800 minimum spend requirement in a calendar month, you will continue to earn the base cashback rate of 0.25% on eligible transactions.

When will the update take effect and who will be affected?

All OCBC 365 Credit Cardmembers will be subject to the revised cashback programme with effect from 1 November 2026.

What are the eligible merchant category codes (MCCs) for each cashback category?

Dining

MCC Description Examples Exclusions
5811 Caterers
  • Restaurants, fast food establishments, food delivery apps, cafes
  • Hotel dining and wedding banquet not classified under these MCCs
  • Transactions made by telephone order or mail order
5812 Eating Places and Restaurants
5814 Fast Food Restaurants

Groceries

MCC Description Examples
5411 Grocery Stores and Supermarkets
  • Supermarkets, grocery delivery

Land Transport

MCC Description Examples Exclusions
4011 Railroads
  • Public transportation payment via SimplyGo, ride-hailing, taxis
  • EZ-Link and Transit Link top-up
4111 Local and Suburban Commuter Passenger Transportation, Including Ferries
4112 Passenger Railways
4121 Taxicabs and Limousines
4131 Bus Lines

Petrol

MCC Description Examples Exclusions
5541 Service Stations
  • Petrol stations
  • Fleet card top-up transactions such as Abecha Esso Fleet Card or Speedpass, or such other similar top-up transactions
5542 Automated Fuel Dispensers

MCC refers to a four-digit number assigned to a merchant by the merchant’s acquiring bank and is not decided by OCBC Bank. A merchant’s assigned MCC may not always correspond with its nature of business.

Which transactions are excluded from the computation of the minimum spend requirement and are not eligible to earn any cashback?

Refer to OCBC Cards Rewards Transaction Exclusion List for the list of exclusions.

When will I receive my cashback?

Cashback earned from transactions made by the Principal Cardmember and Supplementary Cardmembers will be credited to the Principal Cardmember’s OCBC 365 Credit Card account by the end of the following calendar month after the transaction is posted.

For example:

  • You make eligible transactions of S$500 on Dining and S$300 on Groceries in November 2026. As the minimum spend requirement of S$800 is met, if the transactions are posted by 30 November 2026, S$48 cashback will be credited to the Principal Cardmember’s OCBC 365 Credit Card account by 31 December 2026.
I made a transaction before 1 November 2026, but the transaction was posted on or after 1 November 2026. Which cashback rate will apply?

Cashback will be awarded based on the transaction's posting date, not the transaction date.

If your transaction is posted on or after 1 November 2026, the revised cashback rates and Terms and Conditions effective from 1 November 2026 will apply.

The posting date refers to the date the transaction is received by the card issuer, i.e. OCBC Bank. As merchants may submit transactions for settlement several days after the purchase is made, the posting date may differ from the transaction date. OCBC Bank is unable to control when a merchant submits a transaction for posting.

Where can I view the revised Terms and Conditions?

You can view the revised Terms and Conditions here, which will come into effect on 1 November 2026.

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 and caterers.
  • Online food delivery is applicable to online spend made at food delivery merchants specifically Deliveroo, foodpanda and GrabFood.
  • 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 Online and RedMart.

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:

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