OCBC Rewards Credit Card

Unleash the shopaholic within you with the OCBC Rewards Card. Spending in retail categories - both online and in stores - will net you 6 miles per dollar in the form of OCBC$ points. These points can be redeemed as cash rebate, miles, vouchers, products or lifestyle experiences. Card approval is also instant as long as you apply using Myinfo.

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Rewards Points Baseline

1 OCBC$ per dollar

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Base rate

Rewards Points Online Shopping

15 OCBC$ per dollar

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Capped at 120,000 OCBC$ per anniversary year.

Rewards Points Retail

15 OCBC$ per dollar

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Capped at 10,000 OCBC$ per month.

Rewards Bonus Cap

10,000 OCBC$

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Per month

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Highlights

Rewards Points Baseline

1 OCBC$ per dollar

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Base rate

Rewards Points Online Shopping

15 OCBC$ per dollar

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Capped at 120,000 OCBC$ per anniversary year.

Rewards Points Retail

15 OCBC$ per dollar

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Capped at 10,000 OCBC$ per month.

Rewards Bonus Cap

10,000 OCBC$

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Per month

Things to consider when choosing this card:

Things to consider

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Retail rebate

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Online shopping rebate

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Gift: Apple product

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No monthly spend required

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Benefits

Cashback

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Cashback Base Rate

0.28 %

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S$1 local spend = 1 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 0.28% cashback.

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Cashback Local

2.78 %

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S$1 local spend = 10 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 2.78% cashback.

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Cashback Overseas

0.28 %

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S$1 local spend = 1 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 0.28% cashback.

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Cashback Dining

0.28 %

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(Non-direct Cashback) S$1 local spend = 1 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 0.28% cashback.

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Cashback Retail

2.78 %

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(Indirect Cashback) S$1 local spend = 10 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 2.78% cashback.

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Cashback Local Online Shopping

2.78 %

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(Indirect Cashback) S$1 local spend = 10 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 2.78% cashback.

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AirMiles

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Airmiles Base Rate

0.4 miles per dollar

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Airmiles Local

4 miles per dollar

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Airmiles Overseas

0.4 miles per dollar

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Airmiles Retail

4 miles per dollar

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Airmiles Dining

0.4 miles per dollar

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Airmiles Local Online Shopping

4 miles per dollar

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10X OCBC$ (equivalent to 4 air miles) per S$1 spent

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Quick Facts

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Earn 15X OCBC$ (or 6 miles) for every S$1 spent at selected popular retailers (new selections every three months).

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Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.

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Enjoy complimentary e-commerce protection on all your online purchases made with this card.

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Get fast approval and use your digital card instantly when you apply via MyInfo.

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Read our full review of the OCBC Titanium Rewards Credit Card.

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15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.

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OCBC$ awarded in blocks of S$5 charged per transaction.

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Guides

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Eligibility

Minimum Age

21 years old

Minimum Annual Income

S$ 30,000

Monthly Spend Required

None

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Fees / Repayment

Fees

Annual Fee Waiver

2 years

Annual Fee

S$ 196.2

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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

S$ 15

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Or 8% of amount withdrawn, whichever is greater.

Air Miles Conversion Fee

S$ 25

Repayment

Minimum Payment

S$ 50

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S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.

Late Payment Charge

S$ 100

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S$100 if Minimum Payment Due is not received on or before the Payment Due Date.

Interest on Purchase

27.78 %

Interest on Cash Advance

28.92 %

Interest Free Period

23 days

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Others

Association

World Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Fitbit Pay

Garmin Pay

NETSPay

OCBC Rewards Credit Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

AirMiles

Quick Facts

Guides

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

Supported Payment Type

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