Best OCBC Credit Card Promotions Singapore (2025)

APR:

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

• Late payment charge: If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.

• Interest on purchases: 27.78%

• Interest on cash advance: 28.92%

• Interest free repayment period: 23 days

Fees:

• Annual fee: S$196.20 (Waived for first two years)

• Foreign currency transaction fee: 3.25%

APR:

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

• Late payment charge: If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.

• Interest on purchases: 27.78%

• Interest on cash advance: 28.92%

• Interest free repayment period: 23 days

Fees:

• Annual fee: S$196.20 (Waived for first two years)

• Foreign currency transaction fee: 3.25%

Eligibility:

• Minimum age: 21

• Min. annual income: S$30,000

• Monthly spend required: S$10,000 in one year from date of issue to qualify for subsequent year fee waivers

Fees:

• Annual fee: S$196.20 (Waived for first two years)

• Foreign currency transaction fee: 3.25%

APR:

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

• Late payment charge: If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.

• Interest on purchases: 27.78%

• Interest on cash advance: 28.92%

• Interest free repayment period: 23 days

Fees:

• Annual fee: S$196.20 (Waived for first year)

• Foreign currency transaction fee: 3.25%

APR:

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

• Late payment charge: If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.

• Interest on purchases: 27.78%

• Interest on cash advance: 28.92%

• Interest free repayment period: 23 days

Fees:

• Annual fee: S$196.20 (Waived for first year)

• Foreign currency transaction fee: 3.25%

APR:

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

• Late payment charge: If Minimum Payment Due is not received on or before the Payment Due Date, a Late Payment Charge of S$100 will be levied.

• Interest on purchases: 27.78%

• Interest on cash advance: 28.92%

• Interest free repayment period: 23 days

Fees:

• Annual fee: S$163.50 (Waived for first two years)

• Foreign currency transaction fee: 3.25%

Eligibility:

• Minimum age: 21

• Min. annual income: S$30,000

• Monthly spend required: S$10,000 in one year from date of issue to qualify for subsequent year fee waivers

Credit card promotions are special deals banks offer to attract new customers or encourage spending. These can include welcome gifts like Dyson products, bonus miles, or boosted cashback. But to qualify, you usually need to meet conditions, such as being new to the bank, spending a minimum amount within a set period, or applying through specific channels like SingSaver.

Before jumping on a promo, always read the fine print. A S$300 voucher might sound tempting, but if you don’t meet the spend requirement or miss the deadline, you won’t get it. If you're already planning a big expense like a holiday or new phone, these promos can offer great value. Just be sure to spend wisely and not just for the reward.

Complimentary sign-up gifts

These are freebies you get when you apply for a credit card. Think Dyson hairdryers, AirPods, or shopping vouchers. They’re called “complimentary” but there’s usually a catch: you’ll need to be a new-to-bank customer and hit a minimum spend (say S$500) within a month of card approval.

Sometimes, these gifts are only available if you apply through a platform like SingSaver, so always check the application steps carefully.

Bonus miles/points for new members

Some cards offer bonus miles or reward points when you sign up and spend a certain amount in the first month or two. For example, you could earn 20,000 bonus miles if you spend S$2,000 in the first 60 days.

These are on top of the regular miles you’d earn, so it’s a quick way to boost your travel rewards. Just make sure you meet the spend requirement, and check if there’s a cap or expiry.

Enhanced cashback promotions

Enhanced cashback deals mean you’ll get more cashback than usual during the promo period—like 10% instead of the usual 3% on dining or groceries.

To qualify, you often need to spend a minimum amount each month and sometimes restrict your spending to certain categories. It’s a good deal if your regular expenses match the promo categories, but be careful not to overspend just to chase cashback.

With that said, here are the various types of credit card promotions available.