The OCBC Titanium Rewards Card is being touted as the most efficient rewards card you’ll need for your local and overseas shopping.

For starters, it will earn you 10 OCBC$ (worth 4 miles) for eligible online and retail purchases. 

To earn 50 OCBC$, you can break it down into two parts:

• Base OCBC$: 5 OCBC$ will be awarded for every S$5 spend on all retail spend
• Bonus OCBC$: Bonus 45 OCBC$ will be awarded for every S$5 spend on shopping, department store, and online spend categories

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.

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. 

What’s also particularly useful about this card is that it rewards you with 4 miles per dollar (mpd) for your spending on some of the most popular e-commerce sites such as Shopee, Lazada, Amazon, Ezbuy, Qoo10 and Taobao. 

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Reasons to get the OCBC Titanium Rewards Card

Here’s listing out the 7 USPs of adding the OCBC Titanium Rewards card to your wallet that will likely hold you in good stead.

1. Earn rate of 4 miles per dollar on all shopping spend 

OCBC rewards you with OCBC$ when you spend in blocks of S$5. Earn 50 OCBC$ (20 miles) for every S$5 spent on your shopping, whether it’s in store or online, locally or overseas.

This includes transactions made at department stores, electronic stores, shoe stores, men’s and women’s clothing stores, family clothing stores, kids’ stores and more. 

Keep this handy list of Merchant Category Codes (MCC) that will earn you 50 OCBC$ for every S$5 spent: 

Apart from these, other stores include: 

• Alibaba
• AliExpress
• Amazon 
• Courts 
• Daigou
• Ezbuy
• IKEA
• Lazada
• Mustafa Centre 
• Qoo10 
• Shopee 
• Taobao

If you frequently shop at these stores, be it online or offline, the OCBC Titanium Rewards card can be a great option to earn you miles that go towards your next overseas trip. You can also check out our articles with the latest promo codes to use at: Lazada, Qoo10, Redmart, Klook, Shopee and food delivery services (including Foodpanda, GrabFood, Deliveroo and WhyQ).

There is no limit to the base OCBC$ you can earn. However, Bonus OCBC$ is capped at 120,000 OCBC$ per year. This refers to the card anniversary year and not the calendar year.

Once you hit the 120,000 OCBC$ cap, all transactions made on shopping will earn the Base OCBC% of 5 OCBC$ per $5 spent.

2. E-commerce protection

Shopping online has its pros and cons. There are times when you’ll receive products with defects or wouldn’t receive it at all.

This is where the OCBC Titanium Rewards card fits in.

It lets you enjoy e-commerce protection, which safeguards you against non-delivery and defective products, or in cases when the seller fails to reimburse you.

When you buy any physical goods online with this card, you will be provided with worldwide coverage for online purchases under these conditions:

• Incomplete delivery or wrong item delivered
• Improperly functioning due to physical damage to delivered items
• Non-delivery of purchase after 30 days of the scheduled delivery

3. Promotions with partners such as BEST Denki

BEST Denki: If you have plans to make a purchase at BEST Denki, either at their retail outlets or online, you can earn an additional 2% cash rebate on your purchase.

There is no cap to this rebate and this is on top of the 50 OCBC$ you earn for every S$5 spent at BEST Denki.

To put things into perspective, a Dyson cordless vacuum cleaner from BEST Denki for $900 can get you a cash rebate of $18. This promotion runs till 31 January 2021.

If you have plans to purchase pricey electronics from BEST Denki, such as the latest QLED TV or an air purifier, this card could just come in handy.

You can also exchange OCBC$ for cash rebates, air miles, vouchers, products or experiences. 

4. LoungeKey access

You can access more than 1,000 lounges with Mastercard Airport Experiences provided by LoungeKey by paying US$27 per visit per person. This allows you to enjoy complimentary refreshments during your time at the airport, particularly useful to freshen up and recharge during a long stopover.

5. Two-year annual fee waiver

Many credit cards offer waivers for the annual fee, typically for the first 1 or 2 years. For the OCBC Titanium Rewards card, the annual fee of $192.60 is waived for the first 2 years. 

6. The option to choose between Blue or Pink

Most credit cards have a default look for their credit cards. There are no options to choose between designs, colours and look of the card (except cards such as the OCBC FRANK credit card that has an impressive 120 card designs for you to choose from).

However, there are two versions available for the OCBC Titanium Rewards — Blue or Pink. It is completely up to you to choose between the two colours (FYI, there are no gender stereotypes here). This gives you the slightest element of choosing a card that represents you, makes you happier when looking at it or simply a colour that you prefer for a credit card.

OCBC Titanium Rewards Card Blue	OCBC Titanium Rewards Card Pink
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7. Instant approval and access to a digital card

You can get instant approval when you apply via MyInfo, which retrieves your details for quicker application.

When your application is approved, you'll receive an email and SMS with a link to access your digital card.

With a digital card, you can start using the OCBC Titanium Rewards on your next purchase while waiting for the physical card to arrive in your mailbox.

Disadvantages of the OCBC Titanium Rewards card

1. You don’t earn 50 OCBC$ (4mpd) on other spend

This card specifically rewards you for the purchases you make on shopping. However, on all other spending outside of shopping purchases, such as dining and transport, you will earn 5 OCBC$ per $5 spent. For miles-chasers, this equates to 0.4 mpd, lower than the average 1.2 mpd you can earn with other miles credit cards.

2. There is a spending cap

There is a spending cap of 120,000 OCBC$ (or about S$12,000 spent on shopping). This cap could be limiting for big spenders that shell out more than S$12,000 on shopping through the year.

Credit cards similar to OCBC Titanium Rewards Card

If you are looking for a credit card that rewards you for your shopping, you can also consider these cards:

Citi Rewards Card

The Citi Rewards Card also gives you 4mpd for your shopping and online spend. This includes shopping at department stores, spending on bags, shoes, clothes, both online and offline.

Note that the Citi Rewards Visa card rewards you with 4mpd on all online spend as well, allowing you to earn 4mpd on online transactions for other categories such as transport.

Outside of shopping and online transactions, the earn rate is 0.4mpd, mirroring the non-shopping earn rate of OCBC Titanium Rewards card.

SingSaver Exclusive Offer:

For Citi PremierMiles Card: Receive a Nintendo Switch OLED (worth S$549), Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65) or S$400 CapitaVouchers or S$300 cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval. Valid till 15 June 2023. T&Cs apply.

For Citi Cashback+ Card, Citi Cashback Card and Citi Rewards Card: Receive a Hinomi H1 Pro Ergonomic Office Chair (worth S$599) or Nintendo Switch OLED (worth S$549) or $400 CapitaVouchers or S$300 Cash via PayNow upon activating and spending (min. S$500 spend) within 30 days of card approval. Valid till 15 June 2023. T&Cs apply.

Plus, enjoy up to 2% cashback on all qualifying spend and up to S$656 cash when you apply for the Citi Cash Back+ card and join Citi Plus. T&Cs apply.

Pick Your Citibank Card Here!

UOB Lady’s card

The UOB Lady’s Card is a win-win for women.

It can be a useful one to carry in your wallet, especially since it lets you choose the category that earns you 4mpd. This category can be changed every quarter, giving you the flexibility to earn more miles on any other category depending on your spend for that quarter.

You can choose among these:

• Beauty & Wellness
• Fashion
• Dining
• Family
• Travel
• Transport and Entertainment

For shopping, select ‘Fashion’ as your preferred category for the current quarter to earn 4mpd on your fashion spend. There is also an e-Commerce Protection provided for all your online purchases.