OCBC Rewards Card

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

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):

^{^}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.

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.

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.

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.

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$.