Best OCBC Credit Cards In Singapore (2023)

As expected, the 365 is indispensable on this list, but we put the spotlight on other frontrunners in the OCBC credit card department – for your gains.

OCBC is a name at the forefront of consumers’ minds, as one of the three local banking musketeers.

Chances are, the OCBC 365 credit card and the OCBC 360 savings account would be first on the lips when prompted, but that’s scratching the surface.

There exist a handful of OCBC credit cards in the line-up that give its counterparts in DBS and UOB a run for their cashback, rewards and miles.

Sweetening the deal is the fact that users of OCBC credit cards can access a variety of dining discounts, staycation deals and utilities offers, along with complimentary features including online fraud protection and interest-free instalment plans. 

The Best OCBC Credit Cards in Singapore

Best for cashback: OCBC 365 Card
Best for miles: OCBC 90°N Mastercard | OCBC 90°N Visa Card
Best for shopping: OCBC Titanium Card
Best for interest-free instalments: OCBC NXT Card
Best for luxury travel perks: OCBC Voyage
Best for young adults: OCBC Frank Card
Best for family time: OCBC Platinum

Best for cashback: OCBC 365 Card

OCBC 365 is a perennial favourite among cashback-ers, especially those who spend considerable time (and cash) dining out.

The card offers 5% cashback for all local and overseas dining, on top of the bank’s in-house dining deals you’d get just by being a cardmember. Also, #ICYMI, the 5% applies even for online food deliveries, which most other credit cards consider an exclusion in the dining category.  

On the whole, OCBC 365 covers a wide range of daily spending categories.

If you’re a car owner, you enjoy 6% cashback on petrol, and up to 22.92% in fuel savings at Caltex and up to 21.04% cashback at Esso.

Further down the cashback tier is 3% on groceries, ride-hailing services, streaming services, drugstore purchases, electric vehicle charging and utilities.

Even though it may lag behind some of its peers like POSB Everyday and Citibank SMRT, it is ranked as one of the best credit cards to pay your utility bills. 

If you find yourself easily hitting four digits in monthly credit card spending, the minimum qualifying spend of S$800 per month is a breeze to clear – although we have to say it is slightly higher than the S$800 mark the likes of UOB EVOL and DBS Live Fresh share. 

But the good thing is that categories do not restrict the monthly cashback cap. 

Best for first-time miles chasers: OCBC 90°N Visa and Mastercard

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First-time miles chasers, whether you’re a new or existing OCBC customer, the OCBC 90°N will do no wrong for your travel wants and needs.

The main sell of this card has got to be the expiry-free and flexible nature of 90°N Miles gained as you spend.

At 1.3 and 2.1 mpd earn rate for local and overseas spending respectively, you’re free to redeem your 90°N Mile whenever you feel like, or convert them into miles at zero fee.

If there’s no need for miles, you have the option to convert into cash rebates to offset your credit card bill. 

As of now, every 1,000 90°N Mile earned is equivalent to S$10. You’re not subject to any minimum spends or cap – another great plus point. 

The first year annual fee is waived for you, and from the second year onwards, you stand to get 10,000 miles when you pay the annual fee.

If you regularly book accommodation with Agoda, that will earn you one of the highest bonus rates on the market, at 7 mpd. 

First-time miles chasers should get a pleasant welcome with the MasterCard Airport Experiences, which unlocks lounge accesses and offers at spas, dining and retail.

If anything, wouldn’t some last-ditch pampering be the perfect way to book a trip?

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Best for shopping: OCBC Titanium Rewards Card

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The OCBC Titanium is a headlining rewards card in the bank’s catalogue.

It rewards 10X OCBC$ (equivalent to 4 miles per dollar spent) on a gamut of shopping goods, such as fashion, bags, shoes, accessories, or laptops, tablets and other electronics.

For those who often restock their loot from major e-commerce online stores like Lazada, Shopee, Amazon and Qoo10, OCBC Titanium deserves a slot in your wallet – especially if you have plans to convert your points to miles for future travel. 

If you shop at BEST Denki, you’ll get an additional 2% rebate on top of your rewards points.

Being such a shopping-centric card, it helps you rest easier with complimentary e-commerce protection that safeguards against non-delivery or defective goods.

The maximum bonus points you can earn is 120,000 points per 12 months, beyond which the base earn rate of 1 point per S$5 will apply. 

You'll also earn up to 7.65% a year on your OCBC 360 account savings when you use the OCBC Titanium Rewards Credit Card.

SingSaver Exclusive Offer: For a limited time only, snag a Dyson Airwrap™ multi-styler (Complete) (worth S$859) on top of your chosen reward if you are one of the first 10 applicants of select OCBC Credit Cards at 12pm and 3pm daily during the flash deal period. Valid till 1 October 2023. T&Cs apply.

Receive an Apple AirPods Pro 2nd Generation (worth S$362.35) or a Hinomi H1 Classic Plus Ergonomic Office Chair with headrest (worth S$459) or S$280 eCapitaVoucher or S$250 Cash via PayNow when you make a min. spend of S$500 within 30 days of card approval. Valid till 4 October 2023. T&Cs apply.

Also, earn 15x OCBC$ (equivalent to 6 miles) instead of 10x OCBC$ per S$1 spent for the first 3 months on eligible online and retail purchases at Lazada, Shopee, Amazon, Apple and more. Valid till 30 September 2023. T&Cs apply.

 

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Best for interest-free instalments: OCBC NXT Card

If you are looking to split an upcoming big-ticket item, like a vacation or new furniture for the house, look no further than the OCBC NXT credit card.

Dubbed "the first Buy Now Pay Later credit card", the OCBC NXT allows you to automatically split your payments into more manageable monthly instalments across 3 or 6 months.

Did we mention that these instalments will be interest-free?

You'll also stand to earn up to 1% cash rebate as long as your monthly bill is S$1,000 and more.

Sounds like a winner in our book. Do note that the cash rebate is capped at S$100 a month.

Best for luxury travel: OCBC Voyage

Continuing the thread on OCBC’s travel card offerings, you could think of OCBC VOYAGE as the souped up edition of the 90°N Mastercard.

Cardmembers get VIP-level travel perks like unlimited airport lounge access and 24/7 concierge.

Previously, OCBC VOYAGE cardmembers were enjoying 2.4 miles per S$1 overseas spend, 1.6 miles per S$1 local dining spend, and 1.2 miles per S$1 local spend.

Recently, OCBC Voyage card underwent a round of refresh and it now gives 2.2/1.3 VOYAGE Miles (1 VOYAGE Mile = 1 KrisFlyer Mile) for overseas and local spends respectively.

Unlike the OCBC 90N where you can only convert your Travel$ into miles to be redeemed at Singapore Airlines, you can use your VOYAGE Miles to redeem flights on any airline, anytime, with no black-out dates (subject only to availability).

When you travel, take advantage of the complimentary limousine services, 24/7 VOYAGE Exchange Personal Concierge services, unlimited free Plaza Premium airport lounge access, and free travel insurance of up to S$1.5 million.

That surely sounds like a dream to any jet-setter, although you’ll have to be earning at least S$120,000 annually and be content with the $492.50 (or S$3,240 with 150,000 welcome VOYAGE Miles) annual fee.

Best for Gen-Zs and Millennials: OCBC Frank 

With a relatively low minimum qualifying spending requirement and competitive cashback rate, the OCBC Frank card is great for young adults and freshly minted working adults who like to indulge in a bit of fun and games every now and then. 

Or at least, that was how it was marketed.

Following a recent revamp, you can now earn 8% cashback on foreign currency transactions, online spending and mobile payments, extra 2% cashback at selected green merchants, and 0.3% cashback on other eligible transactions. 

Although the minimum qualifying spending to earn up to S$100 in cashback each month was increased to S$800, the expanded qualifying categories might make it easier for you to hit the target.

Therefore, whether you’re adulting hard in your 20s (you’ll be glad to know the annual fee remains at a low S$80), or are settling down into marital bliss, the OCBC Frank remains relevant. 

Every month, there is a total cashback cap of S$75 (stepped up from S$60), split into S$25 each for online (or in-app) purchases, in-store mobile payments and others. 

Best for family time: OCBC Platinum

Although there are plenty of rewards credit cards out there, few will cater to quality family time. That's why the OCBC Platinum Credit Card stands out on the list here. 

With this card, cardholders will earn 5 OCBC$ per S$5 spend (2 miles per S$1 spend) on eligible transactions.

And since OCBC adopts a merchant blackout list, any purchase is pretty much fair game so long as it doesn't fall under any merchant exclusions.

That said, we must address the elephant in the room. While OCBC Titanium Rewards offers a much higher rebate of 10 OCBC$ per S$5 spend, it only rewards eligible online and retail purchases.

Meanwhile, the parameters of OCBC Platinum's eligible spend are wider and more varied – earning you points on transactions like dining, travel, health & wellness, activities/experiences, and more.

Plus, you'll even enjoy discounts and limited-time deals for these categories. 

What's more, its annual fee is only S$162 per year, with the first two years waived.

Thus, you can spend with the OCBC Platinum Card to your heart's content with fees being the least of your worries.

Read these next:
OCBC 365 Credit Card Review: A Cashback Card For Day-To-Day Spending
OCBC Titanium Rewards Card: One Shopping Card You’ll Want In Your Wallet
OCBC 90°N Card Review: No Minimum Spend & Attractive Foreign Currency Spending Rates
Top Credit Card Promotions And Deals On SingSaver
Best Cashback Credit Cards In Singapore