OCBC 365 Credit Card | Get Cashback on Everyday Spending

OCBC 365 Credit Card

Earn easier cashback,
365 days a year.

Why you will love this

Enjoy 6% cashback on dining, groceries, land transport and petrol

Earn cashback in Singapore and overseas

Get up to S$160 monthly cashback, no category caps

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 S$365 cashback^ when you sign up now! Apply now

From dining out to grocery runs and more, earning monthly cashback is that easy!

Features at a glance

6%

Cashback

On everyday spend

Simplified spend tier

One

Simplified spend tier

S$800 minimum monthly spend

Cashback cap

S$160

Cashback cap

Per month, no category caps

6% CASHBACK IN SINGAPORE AND OVERSEAS
Restaurants, fast food, online food delivery
Groceries
Public transport, ride-hailing, taxis
Petrol

Earn 6% cashback with a minimum monthly spend of S$800, or 0.25% cashback if the minimum spend is not met.

Refer to terms and conditions for more details. 

More ways to save

Enjoy greater value on dining and petrol with your OCBC 365 Credit Card.

Savour more with Taste by OCBC Cards

Enjoy 1-for-1 dining offers and exclusive discounts, plus 6% cashback.

Find out more

Enjoy up to 33.20% petrol savings

Save on your next refuel with Sinopec, Esso and Caltex, plus 6% cashback.

Find out more

CASHBACK CALCULATOR

See what your monthly spend can earn you.

EXCLUSIVE WELCOME PROMOTION
Get upsized S$365 cashback* and a 2-year annual fee waiver^

Apply now and make a minimum eligible spend of S$800 within 60 days from your card approval date to enjoy the welcome gift.

Apply now

*Valid till 31 December 2026. T&Cs, card fees and charges apply. Applicable to new OCBC Credit Cardmembers.
^Annual fee waiver conditions vary by card, please refer to individual card annual fee terms.

Other benefits
Enjoy 3% cashback at Watsons

Valid for purchases at Watsons in-store and online until 31 March 2027.

Find out more

Up to 1% cashback on advertising platform spend

Enjoy 1% cashback on full payments or 0.5% cashback on instalment plans for eligible advertising expenses.

Find out more

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.

Find out more

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

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

Terms and Conditions governing the OCBC Credit Card Welcome Gift Promotion

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.

Ready to apply?

Enjoy upsized S$365 cashback* and a 2-year annual fee waiver

Apply now

*Valid till 31 Dec 2026. T&Cs, fees and charges apply. Applicable to new OCBC Credit Cardmembers who make a minimum S$800 eligible spend within 60 days from the card approval date.

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:

Dining

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

Groceries

  • Local and overseas groceries
  • Online groceries

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)

Petrol

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

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