Titanium Rewards Credit Card

Earn more reward points in more places

Why you will love this

Earn 50 OCBC$ (worth 20 miles) for every S$5 spent on eligible online and retail purchases

Earn 5 OCBC$ on all other spend

Additional 2% cash rebate when you spend 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

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

benefits

50 OCBC$ for every S$5 spent on shopping categories

Earn 50 OCBC$ on all transactions that fall within the list of eligible Merchant Category Code (MCC) or within the list of eligible merchants capped at 120,000 OCBC$ in each card anniversary year.

Additional 2% cash rebate

Enjoy this cash rebate in addition to 50 OCBC$ (worth 20 miles) for every S$5 spent at BEST Denki.

Tap and pay for your train or bus rides

Save yourself the trouble of topping up your EZ-link card when you tap and go with your OCBC Titanium Rewards Card.

E-Commerce Protection

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

merchant promotions
Rewards

Redeem these rewards with the OCBC$ earned on your Titanium Rewards Credit Card.
Redeem and view full rewards catalogue

10,000 Krisflyer Miles

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

S$50 Titanium Cash

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

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)

Supplementary card

S$96.30 a year (waived for the first 2 years)

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

Click here for more fees and charges



Ways to apply

Apply for the OCBC Titanium Rewards Credit Card today

FAQs
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):
MCC 5311 Departmental Stores
MCC 5611 Men's and Boys' Clothing and Accessories Stores
MCC 5621 Women's Ready to Wear Stores
MCC 5631 Women's Accessory and Speciality Stores
MCC 5641 Children's and Infants' Wear Stores
MCC 5651 Family Clothing Stores
MCC 5661 Shoe Stores
MCC 5691 Men's and Women's Clothing Stores
MCC 5045 Computers, Peripherals, and Software
MCC 5732 Electronics Stores
MCC 5699 Miscellaneous Apparel and Accessory Shops

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