OCBC Rewards Card

Refresh, redefine and reward yourself. Re: You.

Why you will love this

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

Get a bonus 2% cash rebate when you purchase electronics at BEST Denki

 

Get 15 OCBC$ for every S$1 spent at TANGS & SHEINFind out more

The OCBC Titanium Rewards Credit Card is now the OCBC Rewards Card.

NEW LOOK, EXCITING PERKS
 

The OCBC Titanium Rewards Card has been renamed the OCBC Rewards Card. It comes with a sleek new look and gives you more reasons to shop.

You will enjoy the same perks and benefits you know and love – even if you are still using the OCBC Titanium Rewards Credit Card. Upon card renewal, you will receive the new card design.

For details, please refer to the FAQs.

EXCLUSIVE QUARTERLY OFFER
 
From 1 January 2024 to 31 March 2024, get 15 OCBC$ (usually 10 OCBC$ or 4 air miles) for every S$1 spent at TANGS & SHEIN.

You can earn up to 5,000 additional OCBC$, on top of the 10,000 bonus OCBC$ you can usually earn monthly. Terms and conditions apply.
benefits
Reward points

Up to 10 OCBC$ for every dollar spent

Earn 10 OCBC$ for every S$1 spent* across thousands of selected online and in-store merchants in Singapore or abroad.

See how it works 

Earn 10 OCBC$ for every S$1 spent* across thousands of selected online and in-store merchants in Singapore or abroad.

See how it works 

Cash rebates

Bonus 2% cash rebate on electronics

Get a 2% rebate on all your BEST Denki purchases – this is on top of the 1 OCBC$ you get for every S$1 spent*.

See how it works 

Get a 2% rebate on all your BEST Denki purchases – this is on top of the 1 OCBC$ you get for every S$1 spent*.

See how it works 

Earn up to 120,000 bonus OCBC$ a year

There is no limit to the base OCBC$ you can earn. You can earn up to 120,000 bonus OCBC$ a year (i.e. a maximum of 10,000 bonus OCBC$ a month).

There is no limit to the base OCBC$ you can earn. You can earn up to 120,000 bonus OCBC$ a year (i.e. a maximum of 10,000 bonus OCBC$ a month).

Flexibility to exchange OCBC$ for cash rebates, vouchers and more

Offset purchases with rebates and discount vouchers. Exchange OCBC$ for products, air miles and hotel loyalty points.

See how it works 

Offset purchases with rebates and discount vouchers. Exchange OCBC$ for products, air miles and hotel loyalty points.

See how it works 

Enjoy a suite of Mastercard privileges

Get access to exclusive experiences and dining perks, complete with e-commerce protection for your purchases.

See how it works 

Get access to exclusive experiences and dining perks, complete with e-commerce protection for your purchases.

See how it works 

*OCBC$ are awarded in blocks of S$5 for each transaction.

More about OCBC$

OCBC$ are the rewards points earned when you charge transactions to an OCBC Rewards Card. Use OCBC$ to offset shopping costs or exchange them for new products, air miles, and hotel loyalty points – the choice is yours!

See how it works:

Ways to use OCBC$

Where to exchange OCBC$

Ways to use OCBC$

Cash rebates

Redeem cash rebates

Exchange 3,600 OCBC$ for a S$10 cash rebate.

Where to exchange OCBC$

Via OCBC Rewards

Shopping rewards

Get vouchers and more

Exchange OCBC$ for vouchers from popular retailers, products or experiences.

Where to exchange OCBC$

Via STACK Marketplace

Air miles

Exchange for air miles and points

Exchange OCBC$ for loyalty points across 9 airline and hotel partner programmes.

For reference, 25,000 OCBC$ = 10,000 KrisFlyer Miles.

KrisFlyer Miles - via OCBC Rewards

Other loyalty points - via STACK Marketplace

Where to exchange OCBC$

KrisFlyer Miles - via OCBC Rewards

Other loyalty points - via STACK Marketplace

How to earn OCBC$

OCBC$ earn rate

Base OCBC$

Earn 1 OCBC$ for every S$1 spent*.

Bonus OCBC$

Earn an additional 9 OCBC$ for every S$1 spent* in selected retail categories – both online and in stores. To see which transactions qualify, refer to the Terms and Conditions.

The maximum bonus OCBC$ you can earn a month is 10,000.

*We will award OCBC$ in blocks of S$5 for each transaction.

Here is an example of how you can benefit when you shop with your OCBC Rewards Card.

1. Make a purchase

Spend S$2,500 at any of the qualifying mechants.

2. Get rewarded

Earn 2,500 base OCBC$ and 22,500 bonus OCBC$.

3. Exchange OCBC$

Choose to get cash rebates, STACK vouchers or air miles!

qualifying merchant categories

Start earning OCBC$ with these merchant categories and more.

Duty Free

Duty Free

Sporting Goods

Sporting Goods

 

Luggage or Leather Goods

Luggage or Leather Goods

Pharmacies

Pharmacies**

Online Retailers

Online Retailers**

Departmental Stores

Departmental Stores

Clothing and Accessories

Clothing and Accessories

Shoes

Shoes

and many more categories

**Only selected merchants under these categories are eligible for bonus OCBC$.

Latest Promotions
Discover all our deals in one place

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

View offers 

Access mastercard exclusives

Unlock unique experiences, e-commerce benefits and even more merchant offers as a Mastercard cardholder.

Priceless Experiences

From travel to entertainment, enjoy unforgettable experiences wherever you go.

Learn more 

Priceless Specials

Embark on endless culinary exploration with Mastercard One Dines Free.

Learn more 

e-Commerce protection

All online purchases made using your OCBC Rewards Card come with e-Commerce protection. It safeguards you against non-delivery or if sellers fail to reimburse you after delivering damaged goods. T&Cs apply.

Learn more 

ENJOY MORE BENEFITS BUNDLING WITH A 360 ACCOUNT
Earn higher interest rates with OCBC 360 Account and OCBC Rewards 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, simply open an OCBC 360 Account and credit your salary of at least S$1,800 within 2 months to enjoy:

  • S$108 cash reward for new-to-OCBC customers
  • S$78 cash reward for existing OCBC customers

Promotion ends 29 February 2024. Limited redemptions available. Terms and conditions apply. Insured up to S$75k by SDIC.

Find out more

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$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 after your OCBC Rewards Card was issued

Other fees and charges



Ready to apply?

Get your OCBC Rewards Card today

Enjoy instant approval when you apply with Myinfo. T&Cs, fees and charges apply.

FAQs
Common questions about OCBC Rewards Card
How do I earn 10 times the base OCBC$?

Enjoy 10 times the base OCBC$ (equivalent to a 2.78% cash rebate or 4 air miles) for every S$1 spent on transactions that fall under the following Merchant Category Codes:

Merchant Category Codes (MCC) Description Merchant examples
MCC 5309 Duty Free Stores LOTTE DUTY FREE, King Power Duty Free, The Shilla Duty Free
MCC 5311 Departmental Stores Takashimaya, TANGS, Isetan, OG, Metro, BHG, Marks & Spencer
MCC 5611 Men’s and Boys’ Clothing and Accessories Stores Benjamin Barker, Timberland, Edit Suits, Berluti
MCC 5621 Women’s Ready to Wear Stores ZARA, H&M, Mothercare
MCC 5631 Women’s Accessory and Speciality Stores Tory Burch, Love Bonito, Pandora
MCC 5641 Children’s and Infants’ Wear Stores Kiddy Palace, Mummys Market, Motherswork
MCC 5651 Family Clothing Stores UNIQLO, ASOS, Club21, Burberry, YOOZ
MCC 5655 Sports and Riding Apparel Stores Nike, Lululemon, Adidas
MCC 5661 Shoe Stores Skechers, CHARLES & KEITH, Bata, Foot Locker, PAZZION
MCC 5691 Men’s and Women’s Clothing Stores ZALORA, FARFETCH
MCC 5699 Miscellaneous Apparel and Accessory Shops Cotton On, Qoo10, Royal Sporting House
MCC 5941 Sporting Goods Stores Decathlon, FILA, New Balance
MCC 5948 Luggage or Leather Goods Stores Louis Vuitton, Coach, RIMOWA

Alternatively, transactions must be made at any of the following merchants^^ (or merchants which may be stated on the OCBC Rewards Card webpage from time to time):

Alibaba ezbuy NTUC Unity Taobao
AliExpress Guardian Qoo10 Watsons
Amazon Lazada Shopee^  
Daigou Mustafa Centre TikTok Shop  

^Transactions made using Shopee Pay under MCC 5262 will not earn any OCBC$.
^^Transactions under MCC 5411 (Grocery stores and Supermarkets) will not earn any bonus OCBC$.
MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express), which OCBC has no discretion over. A merchant’s registered MCC may not always correspond with its nature of business.

How many OCBC$ can I earn?

There is no limit to the base OCBC$ you can earn. You can earn up to 120,000 bonus OCBC$ a year, and up to 10,000 bonus OCBC$ a month.

Bonus OCBC$ can be earned through transactions made by the principal and supplementary card holder(s). Then, the OCBC$ will be credited to the primary card holder’s OCBC$ account.

Once the limit of 10,000 bonus OCBC$ is reached for the month, you will earn the base OCBC$ (i.e. 1 OCBC$ for every S$1 spent) for your transactions.

When will the OCBC$ I earn be credited to my account?

The base OCBC$ of 1 OCBC$ for every S$1 spent will be credited to your account when the transaction is posted.

If the transaction qualifies for bonus OCBC$, the remaining 9 OCBC$ for every S$1 spent will be credited by the last day of the next month.

For example, if a S$500 Lazada purchase is made on:

  • 15 November 2023 (transaction date) and posted on 17 November 2023 (posted date), 500 OCBC$ will be credited to your account on 15 November 2023 and the remaining 4,500 OCBC$ on 31 December 2023.
  • 28 November 2023 (transaction date) and posted on 2 December 2023 (posted date), 500 OCBC$ will be credited to your account on 28 November 2023 and the remaining 4,500 OCBC$ on 31 January 2024.
What is MCC? How is it assigned?

The MCC is a four digit-number assigned by Visa/Mastercard to describe the main business activity of a merchant. It is determined by the merchant’s acquiring bank (a financial institution that accepts and processes credit and debit card transactions on behalf of merchants).

As the card issuer, OCBC does not determine the main business activity of a merchant or the MCC assigned.

How will the assignment of MCCs affect my OCBC$?

We use MCCs to decide whether certain transactions qualify for OCBC$. For example, OCBC Rewards Cardmembers earn bonus OCBC$ only on transactions that fall under certain MCCs (e.g. MCC 5261 - Women's Ready to Wear Stores).

If the merchant’s acquiring bank assigns it an incorrect MCC, we will not be able to reward you for transactions made there. For example, if a merchant was determined to be a ‘Tailor’ instead of a ‘Women’s Ready to Wear Store’, an OCBC Rewards Cardmember will not be able to earn bonus OCBC$ on transactions made there – since transactions under ‘MCC 5697 - Alterations, Mending, Seamstresses, Tailors’ do not qualify for bonus OCBC$.