Titanium Rewards Credit Card

Making retail therapy more satisfying with 10x rewards

Why you will love this

10x Rewards (equivalent to 4 miles per S$1 spent) on eligible online and retail purchases like Apple, Shopee, H&M and more

1x Rewards on all other eligible purchases

Additional 2% cash rebate at BEST Denki

Who can apply

Singaporean or Singapore PR above 21 years old with an annual income of at least S$30,000

Foreigner above 21 years old with an annual income of at least S$45,000

 

Receive welcome gifts worth up to S$179 when you apply and spend Find out more

important notice

[NEW] The Terms and Conditions Governing OCBC Titanium Rewards Credit Card Programmes will be revised on 1 March 2023

From 1 March 2023, transactions made at Amazon and Mustafa Centre 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.

Earn rewards wherever you go – whether you shop online or in stores, locally or overseas.

Benefits
Earn 50 OCBC$ for every S$5 spent on shopping category

10 OCBC$ (worth 4 miles) on eligible online and retail purchases

Spend on eligible online and retail purchases to receive rewards of up to 10 OCBC$.

Bonus OCBC$ are capped at 120,000 OCBC$ in each card anniversary year. OCBC$ are awarded based on blocks of S$5 charged to the card per transaction.

Spend on eligible online and retail purchases to receive rewards of up to 10 OCBC$.

Bonus OCBC$ are capped at 120,000 OCBC$ in each card anniversary year. OCBC$ are awarded based on blocks of S$5 charged to the card per transaction.

Additional 2% rebate for spent at BEST Denki

2% cash rebate at BEST Denki

Enjoy 2% cash rebate on top of receiving 10 OCBC$ per transaction at BEST Denki.

Enjoy 2% cash rebate on top of receiving 10 OCBC$ per transaction at BEST Denki.

E-Commerce Protection

E-Commerce Protection

All online purchases on your OCBC Titanium Rewards Card come with e-Commerce Protection, which safeguards you against non-delivery or if the seller fails to reimburse you.

All online purchases on your OCBC Titanium Rewards Card come with e-Commerce Protection, which safeguards you against non-delivery or if the seller fails to reimburse you.

REDEEM REWARDS VIA STACK

STACK is our digital loyalty platform that lets you redeem your rewards at a wide range of partners. Additionally you can exchange your rewards from other rewards programmes to OCBC$ or vice versa.

Be rewarded

Marketplace

Redeem dining, shopping, travel deals from Tunglok Group, Grab and more with your OCBC$.

Redeem dining, shopping, travel deals from Tunglok Group, Grab and more with your OCBC$.

track

Track

Manage your rewards points balances across participating rewards programmes, all in one platform!

Manage your rewards points balances across participating rewards programmes, all in one platform!

exchange points

Points Exchange

Bid farewell to the pain of slow points accumulation. Pool your rewards points together to redeem bigger, better deals instantly!

Bid farewell to the pain of slow points accumulation. Pool your rewards points together to redeem bigger, better deals instantly!

Make instant redemptions with your OCBC$ for e-vouchers from the following merchants and more on STACK Marketplace.

S$10 ZALORA Voucher

Redeem now

S$50 FairPrice Voucher

Redeem now

10 × $5 Multi-use Grab Voucher

Redeem now

You can also use your OCBC$ to redeem for KrisFlyer Miles or cash rebates on OCBC Rewards. From December 2022, convert OCBC$ to loyalty points at 8 airline and hotel partner programmes.

10,000 Krisflyer Miles

Redeem 10,000 Krisflyer Miles when you earn 25,000 OCBC$

S$50 Titanium Cash

Redeem S$50 Titanium Cash when you earn 18,000 OCBC$

Start earning new travel experiences
Mastercard Airport Experiences provided by LoungeKey: Unwind before you take-off

Make the most of your airport experience by getting access to lounges worldwide. You can also enjoy offers for dining, spas and retail as listed on the Mastercard Airport Experiences website and mobile app. 

Learn more 

merchant promotions
OCBC 360 Account x OCBC Credit Card promotion
Earn higher interest rates with OCBC 360 Account and OCBC Titanium Rewards Credit Card

Here is why together is always better. Earn up to 7.65% a year on the first S$100,000 in your OCBC 360 Account when you do more with us.

Find out more

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

Year-long Burpple membership up for grabs!

Apply for a new OCBC Titanium Rewards Credit Card and make a minimum of 5 qualifying transactions within 30 days of your card approval to receive a free 12-month Burpple Beyond Premium membership (worth S$99).

Gain access to 1-for-1 deals at over 600 restaurants, cafes, and bars.

Promotion is applicable to both new and existing OCBC Cardmembers. Valid till 31 December 2023.

Terms and conditions apply.

Burpple promotion
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$192.60 a year (waived for the first 2 years)
S$194.40 from 1 January 2023

Supplementary card

S$96.30 a year (waived for the first 2 years)
S$97.20 from 1 January 2023

Minimum spend requirement for automatic waiver of annual fee

S$10,000 in one year, starting from the month after your OCBC Titanium Rewards Credit Card was issued (No annual fees for the first 2 years)

Other fees and charges



Ways to apply

Apply for the OCBC Titanium Rewards Credit Card today

FAQs
Common questions about OCBC Titanium Rewards Credit Card
More questions and answers
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, Fartech
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$2.50 in another transaction, will not be awarded any OCBC$.

How much OCBC$ can I earn?

There is no limit on the Base OCBC$ you can earn. However, Bonus OCBC$ is capped at a maximum of 120,000 OCBC$ in each card anniversary year (i.e. one year from the month of card account opening or renewal of the card account). For example, if the card anniversary date is in January 2020, customer can earn a maximum of 120,000 Bonus OCBC$ from January 2020 to December 2020.

The maximum Bonus OCBC$ earned is shared between the main and supplementary cardholder and will be credited to the main cardholder’s OCBC$ account. 

Upon earning the maximum Bonus OCBC$ per card anniversary year in the abovementioned categories, all transactions made in the abovementioned categories will only earn the Base OCBC$ (i.e. the 5 OCBC$ per S$5 spend). 

Will I still receive OCBC$ after hitting the Bonus OCBC$ cap of 120,000 OCBC?

Yes, upon earning the maximum OCBC$ per card anniversary year (120,000 OCBC$) in the abovementioned categories, all transactions made will only earn the Base OCBC$ (i.e. the 5 OCBC$ per S$5 spend).

When will my OCBC$ be credited?

5 OCBC$ will be credited for every S$5 spend (i.e. the Base OCBC$) when the transaction is posted.

The remaining 45 OCBC$ (i.e. the Bonus OCBC$) will be credited by the end of the following month, computed based on the relevant transaction posting date.

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

  • 15 August 2020 (transaction date) and posted on 17 August 2020 (posted date), you will receive 500 OCBC$ on 17 August 2020 and the remaining 4,500 OCBC$ will be credited in the following month (September).
  • 28 September 2020 (transaction date) and has a posted date of 2 October 2020. Customer will receive 500 OCBC$ on 28 September 2020 and the remaining 4,500 OCBC$ will be credited in the following month (November).
More questions and answers

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$2.50 in another transaction, will not be awarded any OCBC$.