Best OCBC Credit Cards in Singapore 2023
Explore the benefits of OCBC credit cards in Singapore. Whether you're a frequent traveller or an avid shopper, OCBC has a credit card that's ideal for your spending needs. Apply now and enjoy the benefits that come with owning an OCBC credit card.
- OCBC 365 Card: Best for Household Expenditure
- OCBC Titanium Rewards Card: Best for Online and Retail Spending
- OCBC 90°N Mastercard: Best for Overseas Spending
- OCBC 90°N Visa Card: Best for Everyday Spending
- OCBC NXT Card: Best for Split Payments
- OCBC VOYAGE Card: Best for Luxury Travel
- OCBC FRANK Card: Best for Online/Contactless Transactions
Disclaimer: SingSaver assembles this 'best' list from cards listed on our platform that Seedly Community has also reviewed. It is not intended to be and does not constitute personalised financial advice or any other advice. Please perform your due diligence before signing up for any financial product.
Compare and Find the Best OCBC Credit Cards in Singapore

Start by evaluating the rewards and benefits that each card offers, such as cashback, miles or rewards points on certain purchases.

Next, consider the annual fee, interest rate, and any additional fees associated with the card. Additionally, look into the card's foreign transaction fees if you plan to travel frequently.

It's helpful to compare the options available and read reviews from other cardholders before deciding. Ultimately, the right OCBC credit card will depend on your specific needs and how you plan to use it.
SingSaver Exclusive: OCBC Credit Card Promotions in Singapore
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For OCBC 365 Card Only: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65) or an Apple AirPods Pro Gen 2 + MagSafe Charger Bundle (worth S$421.35) or a Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag Travel Bundle (worth S$570) or S$320 Cash via PayNow when you make a min. spend S$500 within 30 days of card approval. Valid till 7 December 2023. T&Cs apply.
For OCBC INFINITY Cashback, OCBC Titanium Rewards, OCBC 90°N Mastercard and Visa Cards Only: Receive an Apple AirPods Gen 3 + MagSafe Charger bundle (worth S$330.50) or Samsonite Volant Spinner 68/25 EXP + 2x Apple AirTag Travel Bundle (worth S$570) or S$300 eCapitaVoucher or S$280 Cash via PayNow when you make a min. spend of S$500 within 30 days of card approval. Valid till 7 December 2023. T&Cs apply.
For OCBC INFINITY Cashback Card Only: All new-to-OCBC cardmembers stand to receive bonus 0.2% cashback (on top of existing 1.6% cashback) on up to S$3,000 qualifying spends for 6 months from card approval date. Applicable to first 2,000 eligible new cardmembers whose card is approved each month of the Promotion Period.
Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 7 January 2024. T&Cs apply.
Best OCBC Credit Card Comparison
Product |
Benefits |
Spending Category |
Min. Annual Income |
Annual Fee |
Apply |
---|---|---|---|---|---|
![]() OCBC 365 Credit Card
|
Up to 6% cashback on Spending Category |
Dining, groceries, land transport, petrol, utilities and online travel |
Local/PR: S$30,000
Foreigner: S$45,000 |
S$194.40 (First 2 Years Fee Waiver)
|
|
![]() OCBC Titanium Rewards Credit Card
|
10x Rewards on Spending Category
|
Online and Retail purchases
|
Local/PR: S$30,000
Foreigner: S$45,000 |
S$194.40 (First 2 Years Fee Waiver)
|
|
![]() OCBC NXT Credit Card
|
Purchases automatically split into monthly installments |
Local and Overseas Spending
|
Local/PR: S$30,000 Foreigner: S$45,000 |
S$162 (First 2 Years Fee Waived) |
|
![]() OCBC 90°N Mastercard
|
S$1 = 1.3 / 2.1 miles on local / overseas spend |
Local and Overseas Spending |
Local/PR: S$30,000 |
S$54 (First Year Fee Waiver) |
|
![]() OCBC 90°N Visa Card
|
S$1 = 1.3 / 2.1 miles on local / overseas spend |
Local and Overseas Spending |
Local/PR: S$30,000 |
S$54 (First Year Fee Waiver) |
|
![]() OCBC Frank Card
|
Up to 10% cashback on Spending Category |
Overseas Spending, local and online transactions |
Local/PR: S$30,000 |
S$54 (First Year Fee Waiver) |
|
![]() OCBC INFINITY Cashback Card
|
1.6% unlimited cashback with no cap and no min. spend |
All Spending (with exclusions) |
Local/PR: S$30,000 |
S$54 (First Year Fee Waiver) |
|
|
The OCBC 365 Credit Card is a great choice for Singaporeans looking to earn up to 6% cashback on their daily expenses. Plus, you'll stand to earn bonus interest if you pair this card with an OCBC 360 Savings Account.
|
The OCBC Titanium Rewards Card is a worthy companion for shopaholics. It offers 10x rewards points (4 miles) on eligible online and retail purchases. Rewards points can be redeemed for vouchers, Titanium Cash or Krisflyer Miles.
|
The OCBC NXT Card is the "first" Buy Now Pay Later credit card that allows Singaporeans to split big purchases into 3 or 6 months interest-free instalments. In addition, you'll also stand to earn up to 1% cash rebates if your monthly bill is more than S$1,000.
The OCBC 90°N Mastercard is a worthy choice for Singaporeans looking to earn miles on both local and foreign currency spend. Your miles do not expire as long as your account remains open. Plus, they can also be redeemed for cash rebates or vouchers.
The OCBC 90°N Visa Card has undergone a makeover and now boasts the same benefits as its Mastercard counterpart. This means your miles never expire and they can be redeemed for either cash rebates or vouchers.
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The OCBC Frank Card is a popular cashback card thanks to its generous 8% cashback on local online purchases and contactless spending. If you shop at selected green merchants, you'll enjoy a bonus 2% on your spending. Do note that you are required to spend a minimum of S$800 a month to enjoy the bonus cashback rate.
The OCBC INFINITY Cashback Credit Card is a new unlimited cashback credit card from OCBC that lets you earn 1.6% cashback on eligible spending, including foreign currency. Like other unlimited cashback cards in the market, there are no minimum spending requirements or earning cap. Plus, all cashback earned is credited automatically to your card account.
Understanding OCBC Rewards and Miles Points
How Do I Earn OCBC Rewards and Miles Points?
OCBC credit cards that allow you to earn OCBC$ include the OCBC Titanium Rewards Card, the OCBC Platinum Card and OCBC Arts Card. Travel$ can be earned with the OCBC 90°N Visa Card and the OCBC 90°N Mastercard.
OCBC miles points also come in the form of VOYAGE Miles, which can be earned with the OCBC VOYAGE Card.

Redeeming OCBC$ and Travel$ for KrisFlyer Miles

OCBC credit cardholders in Singapore can redeem their OCBC$ or Travel$ for KrisFlyer Miles only.
To redeem your OCBC$ or Travel$, log in to your OCBC Internet Banking or the OCBC Rewards webpage. Next, choose the number of OCBC$ or Travel$ you wish to redeem for KrisFlyer Miles.
Do note that 25,000 OCBC$ = 10,000 KrisFlyer Miles and 1,000 Travel$ = 1,000 KrisFlyer Miles. An administrative fee of S$25 will be charged for each transfer.
Redeeming OCBC$ and Travel$ for Cash Rebates

Besides KrisFlyer Miles, OCBC credit cardholders in Singapore may also choose to redeem their OCBC$ or Travel$ for cash rebates.
To do so, log in to your OCBC Internet Banking or the OCBC Rewards webpage. Next, choose the number of OCBC$ or Travel$ you wish to redeem for Cash Rebates
Do note that 3,600 OCBC$/1,000 Travel$ = S$10 cash rebate
Redeeming OCBC$ and Travel$ for Products or Vouchers

To redeem OCBC$ or Travel$ for products or vouchers, you will need to log in to Stack Reward with your OCBC Internet Banking details. Next, connect your OCBC Rewards/Miles programme to your account.
Once done, you may browse through the Marketplace and select the available redemption options, which include gift vouchers, travel vouchers, and lifestyle services.
Do note that the number of OCBC$ or Travel$ required for a specific redemption option may vary.
Managing Your OCBC Credit Card
OCBC Credit Card Interest Rates and Late Payment Charge
The interest rate for OCBC credit cards in Singapore is 26.88%* per annum. A minimum charge of S$2.50 a month will be billed if the full payment of the credit card is not received by the due date.
This rate may be subject to change, and it is important to check with OCBC for the most up-to-date information.
Do note that a S$100 late payment charge will be levied if the Minimum Payment Due is not received by the Payment Due Date and the prevailing interest rate on the outstanding balance and all new purchases charged to your card will also be increased to 29.88% per annum.
*information obtained from OCBC Singapore
Learn About OCBC's 0% Instalment Plan for Credit Cards
OCBC Singapore offers a 0% instalment plan for credit cards at select merchants, which allows cardholders to make large purchases and pay for them over time without incurring interest charges.
The plan typically allows customers to divide the cost of a purchase over a period of time of their choosing. This feature can be useful for making big-ticket purchases, such as electronics or furniture, more affordable.
It's important to note that there might be some restrictions on the items that are eligible for 0% instalment plan, and the customers should check with OCBC for the most current information and the terms and conditions that apply to the plan.

Replacing a Lost or Stolen OCBC Credit Card
You can replace a lost or stolen OCBC credit card in Singapore with the OCBC Mobile Banking app.
To do so, log in to your OCBC Mobile Banking account and select "Card Services" on the left menu bar. Next, tap on "Report Loss Card" and select the card that you have lost. Remember to cancel the card that you have lost as well and request for a replacement card to be sent to you.
You may also call the OCBC Credit Card Hotline to report a lost or stolen credit card. The number to call is 1800 363 3333 or +65 6363 3333 if you are calling from overseas.
To ensure that you can continue using your credit card without interruption, it's important to report a lost or stolen card as soon as possible.

Get Immediate Assistance with the OCBC Credit Card Hotline
The OCBC Credit Card Hotline is a customer service hotline that provides dedicated assistance to OCBC credit card holders in Singapore.
The hotline is available 24/7 and can be reached by dialling 1800 363 3333 or +65 6363 3333 if you are calling from overseas.
The customer service representatives can assist with a wide range of credit card services, including account inquiries, balance transfers, and credit limit increases.
They can also assist with the reporting lost or stolen credit cards, and providing information about OCBC's latest credit card promotions and offers.
Overall, the OCBC Credit Card Hotline in Singapore is a convenient way to get assistance for any credit card issues you may face.
Experience Convenience and Security with OCBC Internet Banking

With OCBC Internet Banking, customers in Singapore can access a wide range of banking services, including account management, fund transfers, bill payments, and investment services, all from the convenience of their computer or mobile device.
The platform is designed to be secure and user-friendly, with features such as two-factor authentication and real-time notifications to help customers stay on top of their finances.
Whether you're looking to manage your day-to-day banking or make bigger financial moves, OCBC Internet Banking is a convenient and reliable choice for OCBC customers on the go.
Complete Transfers and Payments Easily with PayNow with OCBC

PayNow with OCBC is a feature available to OCBC customers in Singapore that allows them to make payments and transfer money to other individuals or businesses using their mobile number or Singapore NRIC/FIN number. This feature allows for transactions without needing the recipient's bank account details.
To use PayNow with OCBC, customers need to link their mobile number or NRIC/FIN number to their OCBC account through the OCBC Internet Banking portal or Mobile app. Once linked, customers can make payments or transfer money to other PayNow registered users in real time.
Additionally, PayNow with OCBC also allows customers to make recurring payments, such as bills, using this service. PayNow with OCBC is a convenient and secure way to transact in Singapore.

Take Advantage of Credit Card Promotions with OCBC
OCBC credit card promotions in Singapore can vary depending on the merchant and the specific card.
Some common promotions include cashback offers, bonus miles, and cash vouchers.
For example, OCBC credit cardholders may earn additional cashback or rewards points at certain merchants or receive discounts on hotel bookings. It is important to check with OCBC for the most current promotions available, as they may change frequently.
You can also check OCBC's official website or the OCBC Mobile app for the latest promotions.
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Frequently Asked Questions about OCBC Credit Cards
In Singapore, there are several ways to pay your OCBC credit card bill. These include:
FAST: You can pay your credit card bill instantly through other participating banks in Singapore via FAST (Fast And Secure Transfers). Other banks include DBS, POSB, UOB, Citibank and Standard Chartered.
Internet Banking: You can pay your credit card bill through the OCBC Internet Banking portal which allows you to securely view your account details, pay bills, and transfer funds.
OCBC Mobile Banking: You can pay your credit card bill, complete fund transfers, check your account details and more via the OCBC Mobile Banking App on your smartphone.
AXS: With AXS, you have the convenience and flexibility of paying your OCBC credit card bill anywhere, anytime.
Regardless of the method you choose, be sure to pay your bill on time to avoid late fees and maintain a good credit score. You can also schedule recurring payments to ensure that your bills are paid on time every month.
You can check your OCBC credit card bill or statement via the OCBC Internet Banking portal or the OCBC Mobile Banking app. You can also sign up for the OCBC Mobile Push Notification service to receive notifications or alerts when specific transactions on your accounts or credit cards are made.
Do check your credit card bill or statement regularly to ensure that your credit card transactions are correct.
Customers can contact OCBCs customer service department to request for a credit card annual fee waiver. Alternatively, cardholders can also request for an annual fee waiver through the OCBC Internet Banking portal or the OCBC Mobile Banking app.
It's important to note that fee waivers are generally granted on a case-by-case basis and not all fee waivers will be granted.
If you need to cancel your OCBC credit card, you can do so by contacting the bank directly. You can make a request over the phone or by visiting a bank branch. It's important to note that you may be responsible for any outstanding balance or fees on your credit card.
The highest credit card limit offered by OCBC in Singapore is between 4 to 6 times your annual income, but this can vary depending on the individual's credit profile.
It is important to note that the credit card limit offered by OCBC may vary depending on the individual's creditworthiness, income and other factors, and it's always best to check with OCBC for the most current information and the terms and conditions that apply.
It is important to remember that having a high credit limit does not necessarily mean you should use the entire limit, it's always best to use credit responsibly and within your means.
Cardholders can increase their OCBC credit card limit by downloading and completing a Credit Limit Review Form from OCBC. The completed form has to be submitted either through standard mail or uploaded online with the necessary documents to qualify for a credit card review.
OCBC cardholders in Singapore can activate their OCBC credit card via the OCBC Internet Banking portal, the OCBC Mobile Banking app, or through SMS.
The steps to activate your OCBC credit card will vary depending on the credit card activation method that you have chosen.
OCBC cardholders who are travelling can activate their OCBC credit card for overseas use via the OCBC Internet Banking portal, the OCBC Mobile Banking app, or through SMS.
The steps to activate your OCBC credit card for overseas use will vary depending on the activation method that you have chosen.
OCBC PayLite is a service offered by OCBC that allows you to enjoy interest-free monthly instalments on your credit card purchases. With OCBC PayLite, you can spread the cost of your purchases over 3 to 12 months without incurring any interest charges.
Whether you're making a big purchase or just need some extra time to pay, OCBC PayLite offers a convenient and affordable way to pay.
Please note that a 3-5% processing fee will apply and only purchases above S$100 are eligible for OCBC PayLite.