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OCBC Titanium Rewards Credit Card

OCBC Titanium Rewards Credit Card

A card that gives you more rewards and greater flexibility when you shop

Why you will love this

Earn 10 times the usual OCBC$ (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 on electronics at Best Denki

Enjoy instant approval when you apply using Myinfo and start using your digital card right away

Terms and conditions, fees and charges apply.

Apply online

important notice

[NEW] The Terms and Conditions Governing OCBC Titanium Rewards Credit Card Programme will be revised on 10 June 2023

From 10 June 2023, transactions made at eligible merchants using the OCBC Titanium Rewards Credit Card will not earn Bonus OCBC$ if they fall under Merchant Category Code (MCC) 5411 (Grocery stores, Supermarkets). You will still earn 1 OCBC$ for every dollar spent.

View the revised Terms and Conditions.

Revision of interest rate for all OCBC credit cards

From 8 May 2023, the interest rate applied to the outstanding balance for all OCBC credit cards will be 27.78% instead of 26.88% per annum. If the minimum amount is not paid by the due date, a higher interest rate of 30.78% per annum will apply.

benefits

Up to 10 OCBC$ for every dollar spent

Earn 10 OCBC$ for every S$1 spent^* across thousands of selected online and high street retailers at home or abroad.

See how it works

Bonus 2% cash rebate on electronics

Get a 2% rebate on all your Best Denki buys – this is on top of 10 OCBC$ for every S$1 spent^*.

See how it works

No limit to the OCBC$ you can earn a month

Earn unlimited base OCBC$ and up to 120,000 bonus OCBC$ a year. Bonus OCBC$ will reset each year in the month that your card was first issued or renewed (this is the month shown in the expiry date on your card).

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

Offset shopping costs with rebates and discount vouchers. Exchange OCBC$ for products and air miles.

See how it works

Higher interest with the OCBC 360 Account

Earn up to 7.65% a year on your savings when you use the OCBC Titanium Rewards Credit Card.

Insured up to S$75k by SDIC.

See how it works

other services for you

More about OCBC$

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

See how it works:

Ways to use OCBC$

Where to exchange OCBC$

Ways to use OCBC$

Redeem cash rebates

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

Via OCBC Rewards

Where to exchange OCBC$

Via OCBC Rewards

Get vouchers and more

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

Via STACK Marketplace

Where to exchange OCBC$

Via STACK Marketplace

Exchange for air miles

Exchange 25,000 OCBC$ for 10,000 air miles.

Via OCBC Rewards

Where to exchange OCBC$

Via OCBC Rewards

How to earn OCBC$

Base OCBC$

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

Bonus OCBC$

Earn an additional 9 OCBC$ for every S$1 spent* in certain retail categories – both online and in stores

To see which transactions qualify, refer to the terms and conditions.

^*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 Titanium Rewards Credit Card.

1. Make a purchase

Spend S$5,000 on electronics for your new home at Best Denki.

2. Get rewarded

Earn 50,000 OCBC$ and S$100 from the bonus 2% rebate at Best Denki.

3. Exchange OCBC$

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

Latest Promotions

Discover all our deals in one place

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

View offers

Limited-time offer

Thank you for your support, our campaign has ended.

Get up to 28,800 OCBC$ with your new OCBC Titanium Reward Card

Simply apply for the card and spend at least S$100 within 30 days of your card approval.

New OCBC customers will get 28,800 OCBC$, worth S$80
Existing OCBC customers will get 14,400 OCBC$, worth S$40

Promotion is valid till 31 March 2023. Terms and conditions apply.

Get up to 28,800 OCBC$ with your new OCBC Titanium Reward Card

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 Titanium Rewards Credit 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 Titanium Rewards 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.

Plus, enjoy S$50 cash reward when you open your OCBC 360 Account and credit your salary within 2 months.

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$194.40 a year (waived for the first 2 years)

Supplementary card

S$97.20 a year (waived for the first 2 years)

Minimum spending required to have your annual service fee automatically waived

S$10,000 a year (starting from the month after we issue your Card)
No annual service fee for the first 2 years.

Other fees and charges

Fees and charges

Terms and conditions

OCBC Cardmembers Agreement

OCBC Titanium Rewards Credit Card Programme (with effect from 1 March 2023)

OCBC Titanium Rewards Credit Card Programme (with effect from 1 April 2021)

OCBC Titanium Rewards Card and OCBC Titanium Card 2% Cash Rebate for BEST Denki Campaign

OCBC Christmas Festive Cashback Bonus Promotion 2022

OCBC Christmas Festive OCBC$ Bonus Promotion 2022

OCBC We Miss You Campaign

OCBC Titanium Rewards Credit Card Programme (with effect from 1 March 2023)

Terms and Conditions governing the OCBC Treats Campaign

Terms and Conditions governing the OCBC TR SBM Promotion (Spend and Buy Miles)

OCBC Titanium Rewards Credit Card Programme (with effect from 10 June 2023)

Ready to apply?

Get your OCBC Titanium Rewards Credit Card today

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

Apply now

or visit us at a branch.

Locate a branch

FAQs

Common questions about OCBC Titanium Rewards Credit Card

More questions and answers

How do I earn 10 OCBC$?

We will award 1 OCBC$ for every S$1 spent (base OCBC$) in all retail categories and an additional 9 OCBC$ for every S$1 spent (bonus OCBC$) in certain ones. For details, refer to the tables in pages 2 to 4 of the terms and conditions that apply.

To earn bonus OCBC$, transactions must fall under any of the following Merchant Category Codes (MCC):

Merchant Category Codes (MCC)	Description	Merchant examples^†
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, Club 21, Burberry, Yoox
MCC 5661	Shoe Stores	Skechers, Charles & Keith, Bata, Foot Locker, Pazzion
MCC 5691	Men’s and Women’s Clothing Stores	Ezbuy, Zalora, Farfetch
MCC 5045	Computers, Peripherals, and Software	Apple, Aftershock, Prism Plus, Dell
MCC 5732	Electronics Stores	Best Denki, Harvey Norman, Gain City
MCC 5699	Miscellaneous Apparel and Accessory Shops	Qoo10, Cotton On, Reebonz

^†MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express), which OCBC Bank has no discretion over. A merchant’s registered MCC may not always correspond with its nature of business.

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

Alibaba	Daigou	Mustafa Centre
AliExpress	Ezbuy	Qoo10
Amazon	IKEA	Shopee^{^}
Courts	Lazada	Taobao

^{^}Shopee Pay transactions under MCC 5262 will not earn any OCBC$.
^{^^}Transactions under MCC 5411 (Grocery stores, Supermarkets) are not eligible to earn any Bonus OCBC$

For avoidance of doubt, all OCBC$ earned shall be calculated based on each block of S$5 charged to your OCBC Titanium Rewards Credit Card in a transaction. Cardmembers will not receive any partial or pro-rated amount of OCBC$ for any transaction charged that does not amount to a S$5 block. Amounts charged in multiple transactions will not be combined to make up a S$5 block. As an illustration, a customer who spends an amount between S$10 and S$14.99 in a single transaction can earn 100 OCBC$. However, a customer who spends S$4.90 in a single transaction, or who spends S$2.50 in one transaction and S$2.50 in another transaction, will not be awarded any OCBC$.

How much 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. Bonus OCBC$ will reset each year in the month that your card was first issued or renewed (this is the month shown in the expiry date on your card). If your bonus OCBC$ resets in January, you would be able to earn up to 120,000 bonus OCBC$ between January and December 2023.

The bonus OCBC$ earned is shared among the main and supplementary cardholder(s) and will be credited to the main cardholder’s OCBC$ account.

Once the limit of 120,000 bonus OCBC$ is reached for the year, transactions will only earn the base OCBC$ of 1 OCBC$ for every S$1 spent.

Will I still earn OCBC$ after I hit the limit of 120,000 bonus OCBC$ a year?

Yes, you can still earn base OCBC$ of 1 OCBC$ for every S$1 spent.

Do note that bonus OCBC$ resets every year in the month that your card was first issued or renewed.

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 August 2023 (transaction date) and posted on 17 August 2023 (posted date), 500 OCBC$ will be credited to your account on 17 August 2023 and the remaining 4,500 OCBC$ on 30 September 2023.
28 September 2023 (transaction date) and posted on 2 October 2023 (posted date), 500 OCBC$ will be credited to your account on 28 September 2023 and the remaining 4,500 OCBC$ on 30 November 2023.

How do I earn 50 OCBC$?

5 OCBC$ will be awarded for every S$5 spend (Base OCBC$) on all retail spend; and Bonus 45 OCBC$ will be awarded for every S$5 spend (Bonus OCBC$) on shopping, department store, and online spend categories below.

To earn Bonus OCBC$, retail transactions made locally or overseas must fall within any of the following MCCs:

Merchant Category Codes (MCC)	Description	Merchant Examples^*
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, Pupsik, Motherswork
MCC 5651	Family Clothing Stores	Uniqlo, ASOS, Club 21, Burberry, Yoox
MCC 5661	Shoe Stores	Skechers, Charles & Keith, Bata, Foot Locker, Pazzion
MCC 5691	Men’s and Women’s Clothing Stores	Ezbuy, Zalora, Farfetch
MCC 5045	Computers, Peripherals, and Software	Apple, Aftershock, Prism Plus, Dell
MCC 5732	Electronics Stores	Best Denki, Harvey Norman, Gain City
MCC 5699	Miscellaneous Apparel and Accessory Shops	Qoo10, Cotton On, Reebonz

^*MCCs are assigned by payment card organisations (e.g. Visa, MasterCard, American Express), which OCBC Bank has no discretion over. A merchant’s registered MCC may not always correspond with its nature of business.

On top of that, transactions made with the following of eligible merchants (or as stated on the OCBC Titanium Rewards Website from time to time) will earn Bonus OCBC$:

Alibaba	Daigou	Mustafa Centre
AliExpress	Ezbuy	Qoo10
Amazon	IKEA	Shopee
Courts	Lazada	Taobao

For avoidance of doubt, all OCBC$ earned shall be calculated based on each block of S$5 charged to your Titanium Rewards Card per transaction, and cardmembers shall not be entitled to any partial or pro-rated award of any OCBC$ for any amount charged that does not amount to a S$5 block. Amounts charged in multiple transactions will not be combined to make up a S$5 block. As an illustration, a customer who spends an amount between S$10 and S$14.99 in a single transaction can earn 100 OCBC$. However, a customer who spends S$4.90 in a single transaction, or who spends S$2.50 in one transaction and S$2.50 in another transaction, will not be awarded any OCBC$.

Valid from 22 May 2023 to 31 August 2023.
Payment must be made with an OCBC Credit or Debit Card.
Valid for both online and in-store purchases.
Not valid in conjunction with or stackable with any other promotion, discount codes, or gift vouchers or redemption points.
The promo code must be entered at the point of purchase (i.e., the checkout page). Promo codes not entered at the point of purchase will not be eligible for the offer.
No refund or cancellation will be made after confirmation of the purchase at the site.
Merchant’s terms and conditions apply. Please contact the Merchant directly for full details.
OCBC and Merchant reserves the right at its absolute discretion to terminate the promotion or vary, delete or add to the promotion, or any of these terms and conditions, at any time without notice including without limitation, the dates of the promotion.
OCBC shall not be responsible for the quality, merchantability or fitness for any purpose or any other aspect of the promotion or any product/service relating to the promotion. Notwithstanding anything herein, OCBC shall not at any time be responsible or held liable for any defect or malfunction in any product or the deficiency in any service provided, and/or any loss, injury, damage or harm suffered or incurred by or in connection with the use of the promotion, or any product/service relating to the promotion, by any person.
OCBC’s decision on all matters relating to the promotion will be final and binding on all participants. No correspondence or appeal shall be entertained by OCBC. In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional material relating to the promotion, these terms and conditions shall prevail.
These terms and conditions shall be governed by the laws of Singapore and each participant in the promotion irrevocably submits to the non-exclusive jurisdiction of the courts of Singapore. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of these terms and conditions.

OCBC Titanium Rewards Credit Card