Compare OCBC Best Credit & Debit Cards - Compare Rates & Benefits

Find the ideal card for your needs

Compare OCBC Credit Cards
OCBC NXT Card
OCBC INFINITY Cashback Card
OCBC Rewards Card
BEST-OCBC Credit Card
FRANK Credit Card
OCBC VOYAGE Card

Best for

Up to S$100 rebates plus split your payments at 0% interest

Unlimited cashback on your spending

Cash rebates on your daily spending

Rewards on your shopping, online and in stores, local and overseas

Accelerating miles and rebates on your travel and everyday spend

Savings and rewards on electronics & appliances at BEST Denki

Cashback for the young adult

Miles with no expiry for flights on all airlines, on any day

Key benefits

  • Interest-free auto-instalments
  • Ease of split payments across 3 or 6 months
  • Earn 1% cash rebates when your monthly bill is S$1,000 or more
  • Unlimited 1.6% cashback on all eligible local and overseas spend
  • No minimum spend required
  • Cashback credited automatically
  • 3% cashback on groceries, utilities, streaming and EV charging
  • 6% cashback on fuel
  • 5% cashback on dining at café, restaurants and food delivery
  • Bonus 15X OCBC$ (6 Miles) at Watsons, Lazada, Shopee, Taobao and TikTok Shop from now until 31 March 2027
  • Get 10X OCBC$ (4 Miles) on in-store and online shopping spend
  • Redeem OCBC$ for airline miles, e-vouchers, cash rebates and more via the OCBC app.
  • 2.1 Miles per S$1 on foreign currency spend (Miles will be awarded as 90°N Miles in blocks of S$5 per transaction)
  • 1.3 Miles per S$1 on local spend
  • Get 3% cash rebate at BEST Denki
  • Invites to members-only sales and events
  • Earn up to 10% monthly cashback, capped at S$100, when you spend a minimum of S$800 per month
  • Enjoy 8% cashback on foreign currency spend, local online spend and digital wallet payments
  • Get bonus 2% cashback when you spend on SimplyGo commutes and selected green merchants.
  • Earn 2.2 VOYAGE Miles for every S$1 foreign currency spend and 1.3 VOYAGE Miles for every S$1 local spend
  • Earn unlimited VOYAGE Miles that never expire
  • Enjoy complimentary airport lounge access, 24/7 concierge and more
  • Minimum annual income of S$120,000 required

Minimum Age

21 years old

21 years old

21 years old

21 years old

21 years old

21 years old

21 years old

21 years old

Annual Income

At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

S$120,000 and above
OCBC Premier VOYAGE Card is exclusive to OCBC Premier Banking customers only
OCBC Premier Private Client VOYAGE Card is exclusive to OCBC Premier Private Client customers only
Bank of Singapore VOYAGE Card is exclusive to Bank of Singapore clients only

Principal Card

S$163.50 (including GST), waived for the first two years

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

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

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

S$196.20 (including GST), waived for the first year
Principal cardholders who pay the Annual Service Fee in 2024 will earn 10,000 bonus 90°N Miles.

S$163.50 (including GST), waived for the first two years

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

S$498.00 (including GST)
You will earn 15,000 VOYAGE Miles each time you pay the Annual Service Fee

Supplementary Card

S$81.75 (including GST), waived for the first two years

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

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

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

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

S$81.75 (including GST), waived for the first two years

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

S$191.00 (including GST)
Annual Service Fee for up to 2 supplementary cards is waived for the first year

Add to application

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OCBC NXT Credit Card

Split any payment, anywhere. On anything

Interest-free auto-instalments

Ease of split payments across 3 or 6 months

Earn 1% cash rebates when your monthly bill is S$1,000 or more

Apply now Add cardRemove
OCBC NXT Credit Card

Eligibility

Minimum age
21 years old
Annual income
At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

Fees

Principal card
S$163.50 (including GST), waived for the first two years
Supplementary card
S$81.75 (including GST), waived for the first two years
Interest rate
27.78% per annum
Late payment charge
S$100
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000, starting from the month in which your OCBC NXT Credit Card was issued
Other fees and charges apply.

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FRANK CREDIT CARD

Cash rebates whenever you hang out or checkout online

6% online shopping rebate

Up to 5% entertainment rebate

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FRANK Credit Card

Eligibility

Minimum age
21 years old
Annual income
At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

Fees

Principal card
S$80 a year (First 2 years free)
Supplementary card
S$40 a year (First 2 years free)
Interest rate
26.88% per year
Late payment charge
S$100
Minimum spend requirement for automatic waiver of annual fee
S$10,000
Total rebates are capped at S$60 per month, with a minimum monthly offline spend of S$400.
Other fees and charges apply.

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OCBC 365 CREDIT CARD

Get the most out of your every day spending

6% cashback on every day dining (including online food delivery)

3% cashback on groceries (including online groceries)

Up to 23% fuel savings

Apply now Add cardRemove

Eligibility

Minimum age
21 years old
Annual income
At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

Fees

Principal card
S$192.60 a year (First 2 years free)
Supplementary card
S$96.30 a year (First 2 years free)
Interest rate
26.88% per year
Late payment charge
S$100
Minimum spend requirement for automatic waiver of annual fee
S$10,000

Other fees and charges apply.
Total cashback is capped at S$80 per month, with a minimum monthly spend of S$800.

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OCBC Rewards Card

Rewards on your shopping, online and in stores, local and overseas

Earn 15 OCBC$ for every S$1 spent at selected popular retailers (new ones every three months!)

Earn 10 OCBC$ (equivalent to a 2.78% cash rebate or 4 air miles) for every S$1 spent in certain retail categories – both online and in stores

Exchange OCBC$ for cash rebates, air miles, vouchers, products or experiences

Apply now Add cardRemove
OCBC Rewards Card

Eligibility

Minimum age
21 years old
Annual income
At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

Fees

Principal card
S$192.60 a year (First 2 years free)
Supplementary card
S$96.30 a year (First 2 years free)
Interest rate
26.88% per year
Late payment charge
S$100
Minimum spend requirement for automatic waiver of annual fee
S$10,000
Other fees and charges apply.

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OCBC 90°N Card

Accelerated miles and rebates on your travel and everyday spend

2.1 Miles per S$1 on foreign currency spend (Miles will be awarded as 90°N Miles in blocks of S$5 per transaction)

1.3 Miles per S$1 on local spend

Miles never expire

Apply now Add cardRemove

Eligibility

Minimum age
21 years old
Annual income
At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

Fees

Principal card
Annual Service Fee: S$54.00 (waived for the first year).
New-to-OCBC cardmembers who opt to pay a first year Annual Service Fee of S$180 (excl. GST) will receive 10,000 Bonus 90°N Miles.
Supplementary card
Annual Service Fee: S$54.00 (waived for the first year).
Interest rate
26.88%
Late payment charge
S$100
Minimum spend requirement for automatic waiver of annual fee
S$10,000

Other fees and charges apply.

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BEST-OCBC Credit Card

Enjoy great savings on electronics & appliances

3% cash rebatesfor in-store spend

Up to 2.5% rebatesannually

Members-only sales and events

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BEST-OCBC Credit Card

Eligibility

Minimum Age
21 and above
Annual Income
At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

Fees

Principal Card
S$160.50 a year (First 2 years free)
Supplementary Card
S$80.25 a year (First 2 years free)
Interest rate
26.88% per annum
Late payment charge
S$100
Minimum spend requirement for automatic waiver of annual fee
S$5,000
Other fees and charges apply.

Select a card to proceed

FRANK CREDIT CARD

Cash rebates whenever you hang out or checkout online

6% online shopping rebate

Up to 5% entertainment rebate

Apply now Add cardRemove
FRANK Credit Card

Eligibility

Minimum age
21 years old
Annual income
At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners

Fees

Principal card
S$80 a year (First 2 years free)
Supplementary card
S$40 a year (First 2 years free)
Interest rate
26.88% per year
Late payment charge
S$100
Minimum spend requirement for automatic waiver of annual fee
S$10,000
Total rebates are capped at S$60 per month, with a minimum monthly offline spend of S$400.
Other fees and charges apply.

For OCBC VOYAGE Card

An Annual Service Fee of S$492.50 (incl. GST) will be charged upon card approval and it is not waivable.

Proceed
or
For Premier, PPC, and BOS VOYAGE Card

Application for the Premier, Premier Private Client (PPC) and Bank of Singapore (BOS) VOYAGE Card is by invitation only. You may register your interest with your Relationship Manager or get us to contact you.


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OCBC VOYAGE Card

Are you an OCBC cardmember?

No, I'm new to OCBC1 

Yes, I'm an existing OCBC cardmember2 

1 I have not had an OCBC credit card in the last 6 months.
2 I have/have had an OCBC credit card in the last 6 months.

No, I'm new to OCBC1 

Yes, I'm an existing OCBC cardmember2 

1 I have not had an OCBC credit card in the last 6 months.
2 I have/have had an OCBC credit card in the last 6 months.

Choose the card you want

card
OCBC 90°N Mastercard:
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card
OCBC 90°N Visa Card:
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Choose a sign-up reward

gift1-miles
Up to 55,000 miles1
(worth a return trip to Tokyo/Seoul)
Choose this reward 
gift2-samsonite
[FULLY REDEEMED] Samsonite STEM Spinner 28" TRUNK1
(worth S$650)

1Eligibility is subject to all qualifying conditions.

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