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OCBC 365 Credit Card

OCBC 365 Credit Card

The OCBC 365 Card is a generous everyday cashback card earning 2X more cashback (of up to S$160): 6% cashback on petrol, 5% cashback on dining and food delivery, and 3% cashback on groceries, public transport, ride-hailing, pharmacy, streaming, and EV charging.
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Highlights

Cashback Dining
5  %
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Cashback Supermarket
3  %
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Cashback Petrol
6  %
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Monthly Spend Required
S$ 800  per month
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Things to consider

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Petrol rebate

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Dining rebate

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Gift: Apple product

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Monthly spend required

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Benefits

Cashback

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Cashback Base Rate
0.25  %
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Cashback Local
Up to 6  %
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Cashback Overseas
0.25  %
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Cashback Dining
5  %
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Cashback Supermarket
3  %
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Cashback Petrol
6  %
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Cashback Health
3  %
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Cashback Online Bill Payment Spending
3  %
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commute
Cashback Transport
3  %
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Quick Facts

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6% cashback on fuel spend at all other petrol stations.

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5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).

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3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.

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3% cashback on groceries at supermarkets (both local and overseas) and online groceries.

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3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).

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3% cashback on recurring telco and electricity bills.

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S$160 monthly cashback cap (up from S$80).

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Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.

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2-year annual fee waiver.

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Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.

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Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently

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Read our full review of the OCBC 365 Credit Card.

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High min. spend of either S$800 or S$1,600 per calendar month

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Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.

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S$80 monthly cashback cap with minium spend of $800.

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S$160 monthly cashback cap with mininum spend of $1,600.

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Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.

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Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
Monthly Spend Required
S$ 800  per month
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Fees / Repayment

Fees

Annual Fee Waiver
2 years
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Repayment

Minimum Payment
S$ 50
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Late Payment Charge
S$ 100
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Interest on Purchase
27.78  %
Interest on Cash Advance
28.92  %
Interest Free Period
23  days
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Others

Association

VISA Signature

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Fitbit Pay

Garmin Pay

NETSPay

Tags

OCBC 365 Credit Card OCBC 365 Credit Card

Are there any fees I should be aware of if I apply for the OCBC 365 Card?

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Besides the typical credit card fees & charges (e.g. late payment fee, interest on purchases, interest on cash advance, etc.), the only additional costs to monitor are the min. spend requirement and cashback cap.

Failure to hit the min. spend and/or exceeding the cashback cap will result in the bonus cashback rate reverting to the base 0.25% cashback.

How do I know if I’m eligible for the OCBC 365 Card?

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Refer to our Eligibility section for more details.

What do I do if I need to cancel my OCBC 365 Card?

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To cancel an OCBC credit card, you can either call the OCBC customer service hotline at 6363 3333 (local) / +65 363 3333 (overseas) or in person via a form or visiting an OCBC branch.

What sets the OCBC 365 Card apart from other cards?

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The OCBC 365 Card prides itself on being a reliable cashback for your everyday essentials – and it certainly does live up to the hype. It offers bonus cashback on unique categories like streaming services, pharmacy purchases, utility, telco bills, and even electric vehicle charging.

Moreover, dining and grocery transactions aren’t discriminated against, regardless of whether you spend locally or internationally. Both earn 5% and 3% cashback respectively regardless.

Lastly, its unique two-tiered min. spend system offers cardholders the option of either meeting S$800 or S$1,600 spend per calendar month. Thus, this simultaneously alleviates the pressure of reaching the min. spend but also encourages and rewards those who can attain the higher amount.