Best OCBC Credit Cards in Singapore 2025 | SingSaver

Updated: 23 Jun 2025

Looking for the perfect OCBC credit card? Whether you’re chasing miles, stacking cashback, or just want everyday rewards, our guide breaks it all down for you.

The information on this page is for educational and informational purposes only and should not be considered financial or investment advice. While we review and compare financial products to help you find the best options, we do not provide personalised recommendations or investment advisory services. Always do your own research or consult a licensed financial professional before making any financial decisions.

With so many credit cards in Singapore to choose from, picking the right one can feel like decoding a kopi menu on your first visit. Thankfully, OCBC, as one of the Big Three local banks, has a solid range of credit cards that cater to just about every kind of spender. Whether you're a fresh grad getting your first card, a family shopper managing household bills, or a seasoned traveller clocking in miles, there’s likely an OCBC card that fits your needs.

In this guide, we’ll compare the best OCBC credit cards in Singapore across various categories — from air miles to cashback and reward points. We'll also look at their perks, fees, eligibility criteria, and real-life examples of how these cards can work for your lifestyle.

Card
Hot Reward Pick
SingSaver Reward
Min. Annual Income
Card Benefit
Annual Fee
OCBC 90°N Mastercard
OCBC 90°N Mastercard
S$369
S$30,000
1.3 - 7 miles / dollar
S$196.20
OCBC Voyage Card
OCBC Voyage Card
-
-
S$120,000
-
S$497.06
OCBC 90°N Visa Card
OCBC 90°N Visa Card
S$369
S$30,000
1.3 - 7miles / dollar
S$196.20
OCBC Rewards Credit Card
OCBC Rewards Credit Card
S$369
S$30,000
1 - 15OCBC$ / dollar
S$196.20
OCBC 365 Credit Card
OCBC 365 Credit Card
S$369
S$30,000
0.25 - 6 % cashback
S$196.20
OCBC Frank Card
OCBC Frank Card
-
-
S$30,000
0.3 - 10 % cashback
S$196.20
OCBC INFINITY Cashback Credit Card
OCBC INFINITY Cashback Credit Card
S$469
S$30,000
1.6 % cashback
S$196.20
OCBC Arts Platinum Credit Card
OCBC Arts Platinum Credit Card
-
-
S$30,000
1 - 3point /dollar
S$163.50
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SingSaver recommends: OCBC 90°N and OCBC Voyage for local spend

OCBC 90°N Mastercard

Airmiles Local
1.3 miles / dollar
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30000

SingSaver Reward up to S$369- with others only S$150

SingSaver's take

Card Details

SingSaver’s take

 

The OCBC 90°N Mastercard remains a favourite for local spenders who want a fuss-free miles card. It offers 1.3 miles per S$1 on local spend without complicated bonus categories or exclusions — ideal for those who prefer simplicity and consistency. What really sets it apart in 2025 is its no-expiry Travel$ rewards, which can be converted into KrisFlyer miles, Asia Miles, or even cashback-equivalent value.

For most Singaporeans, this card works well as a starter miles card. The annual fee is modest (and sometimes waived in promos), and the earn rate is competitive for a general spending card. Whether you're charging your groceries, gym membership, or concert tickets, the 90°N ensures you're always earning something back.

Pros

  • 1.3 miles per S$1 local spend

  • Travel$ rewards never expire

  • Wide conversion options for miles or vouchers

  • No complex bonus category tracking

Cons

  • No complimentary airport lounge access

  • No boosted earn rate for overseas spend

  • Lesser perks compared to premium cards

OCBC VOYAGE

Airmiles Local
1.3 miles per dollar
Annual Fee
S$ 497.06
Min. Annual Income
S$ 120000

SingSaver's take

Card Details

SingSaver’s take

The OCBC VOYAGE card is a popular all-rounder for affluent spenders who value both earn rate and redemption flexibility. For local spend, you’ll earn up to 1.3 VOYAGE Miles per S$1, which can be used not only on KrisFlyer but also for any airline, any time, through VOYAGE’s in-house booking portal — making this card incredibly convenient if you hate blackout dates or waitlisting for redemptions.

Aside from miles, the VOYAGE card offers lifestyle perks like VOYAGE Exchange access, limo transfers, and exclusive dining privileges. It’s a powerful card for high-income earners who want a reliable way to accumulate miles through regular local spending, without juggling multiple cards or tracking categories.

Pros

  • Redeem VOYAGE Miles with any airline, any time

  • No expiry on VOYAGE Miles

  • Airport limo privileges and concierge support

  • Strong local and foreign earn rates

Cons

  • High annual fee (S$488)

  • Premium perks only worthwhile for frequent travellers

  • Not ideal for low to moderate spenders

SingSaver recommends: OCBC 90°N and OCBC Titanium Rewards for overseas spend

OCBC 90°N Visa Card

Airmiles Local
1.3 miles / dollar
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30000

SingSaver Reward up to S$369- with others only S$150

SingSaver's take

Card Details

SingSaver’s take

If you’re a frequent overseas traveller or love shopping on foreign websites, the OCBC 90°N Mastercard offers a competitive 2.1 miles per S$1 spent in foreign currency. This is a strong earn rate, especially when paired with its no-expiry Travel$, which makes it easy to accumulate rewards without rushing to redeem them. Whether you’re booking flights in USD or shopping on Amazon, the miles stack up steadily.

In 2025, the 90°N continues to be one of the most versatile and beginner-friendly travel cards in Singapore. There are no convoluted tiers or category tracking — just flat, reliable earn rates. While it doesn’t offer premium travel perks like airport lounge access, the low annual fee and easy-to-understand rewards structure make it a great choice for casual or semi-frequent travellers.

Pros

  • 2.1 miles per S$1 in foreign currency spend

  • No expiry on Travel$ rewards

  • Simple earn structure with no spend tiers

  • Lower annual fee than most miles cards

Cons

  • No airport lounge or travel insurance perks

  • Foreign currency fee (~3.25%) still applies

  • Lacks elite lifestyle benefits

OCBC Rewards

Cashback Overseas
0.28 %
Airmiles Overseas
0.4 miles / dollar
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30000

SingSaver Reward up to S$369- with others only S$150

SingSaver's take

Card Details

SingSaver’s take

The OCBC Rewards Card isn’t a traditional travel card, but savvy users know it can shine when it comes to online overseas spend. You earn 10X OCBC$ (equivalent to 4 miles per S$1) on qualifying retail categories like electronics, fashion, and department stores, whether you're shopping in Orchard Road or on ASOS.com. This makes it a great card for online shoppers who buy from international retailers.

However, the earn rate is capped at S$13,335 per card membership year (S$1 per OCBC$10X), so it's more of a strategic miles card than a main travel workhorse. For maximum results, pair it with a general miles card like the 90°N for all other spend. With no miles expiry and a relatively low annual fee (waived for 2 years), this card is excellent for building up miles on big-ticket purchases and seasonal sales.

Pros

  • 10X OCBC$ (4 miles per S$1) on eligible online and retail spend

  • Works well for overseas online shopping

  • Annual fee waived for first 2 years

  • Great supplementary card for targeted spend

Cons

  • Miles earn is capped annually

  • Doesn’t earn bonus miles on travel-related bookings

  • Rewards only apply to specific retail categories

Best credit cards for overseas spending Singapore 2025

Best credit cards for overseas spending Singapore 2025

Going on a holiday or extended work visa? Get a credit card that will rewards your conversions with miles or points

SingSaver recommends: OCBC 365, OCBC Frank and OCBC INFINITY for cashback

OCBC 365

Cashback Local
Up to 6 %
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30000

SingSaver Reward up to S$369- with others only S$150

SingSaver's take

Card Details

SingSaver’s take

The OCBC 365 Credit Card remains one of Singapore’s most versatile cashback cards in 2025. It offers up to 6% cashback on dining, 3% on groceries, transport, utilities, and online food delivery, and even 5% on fuel at Caltex and Esso. That makes it ideal for everyday life — whether you’re taking a cab to work, ordering GrabFood, or paying your electricity bill.

What sets the 365 apart is its balanced category coverage. Unlike more niche cards, it rewards spending across a wide range of practical expenses, making it easy to hit the minimum S$800 monthly spend to unlock the cashback. There is a monthly cashback cap of S$80, but for most working adults or young families, it offers excellent value without too many hoops.

Pros

  • High cashback on daily essentials like dining, utilities, and groceries

  • Includes cashback for online food delivery and fuel

  • Good all-in-one card for working professionals

  • Annual fee waived for 2 years

Cons

  • Requires S$800 minimum monthly spend to unlock full cashback

  • Cashback capped at S$80/month

  • Cashback not awarded for certain transactions like insurance premiums

OCBC Frank

Annual Fee
S$ 196.20
Min. Annual Income
S$ 30000

SingSaver's take

Card Details

SingSaver’s take

The OCBC Frank Credit Card is one of the most youth-oriented and digital-friendly cashback cards available. It offers 8% cashback on mobile contactless payments and online spending, including categories like streaming subscriptions, online shopping, and ride-hailing. It’s a popular choice among students and young working adults in Singapore, especially those who pay using Apple Pay, Google Pay, or Samsung Pay.

In 2025, OCBC has enhanced the digital tracking and user experience via the OCBC Digital app, making it easier to monitor spend towards cashback thresholds. With a low minimum spend requirement of S$600 per month and a monthly cashback cap of S$25, it’s ideal for those who want consistent returns on lifestyle spending without overspending.

Pros

  • 8% cashback on mobile contactless and online spending

  • Great for young adults, students, and digital natives

  • Low minimum spend requirement (S$600/month)

  • Modern design with customisable card face

Cons

  • Monthly cashback is capped at S$25

  • Cashback excluded for in-person transactions at certain merchants

  • Not suitable for those with high monthly expenses

OCBC INFINITY Cashback

Cashback Local
1.6 %
Annual Fee
S$ 196.20
Min. Annual Income
S$ 30000

SingSaver Reward up to S$469- with others only S$150

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SingSaver's take

Card Details

Pros

  • Unlimited 1.6% cashback with no caps

  • No minimum spend required

  • Cashback applies to almost all categories, including insurance and utilities

  • Fuss-free, flat-rate reward structure

Cons

  • No bonus categories to earn higher rates

  • Annual fee is not waived (S$194.40)

  • Best suited for high or consistent spenders — not ideal for low-spend users

SingSaver recommends: OCBC Arts for rewards

OCBC Arts

Rewards Points Entertainment
15 OCBC$ per S$5
Rewards Points Local Spending
1 point/dollar
Card Benefit
1 - 3 point/dollar

SingSaver's take

Card Details

SingSaver’s take

The OCBC Arts Credit Card is a niche but rewarding option for Singaporeans who love music, theatre, and cultural events. As Singapore’s first card designed for arts patrons, it offers exclusive ticketing discounts, early access to shows, and bonus rewards on lifestyle and entertainment spend. In 2025, OCBC continues to partner with local venues and production houses, making this card especially relevant as live events and performances regain momentum.

While the earn rate on general spend isn’t exceptionally high, this card shines when paired with your personal interests. It’s less about maximising points and more about unlocking unique experiences — like priority access to SISTIC bookings or special prices at local cinemas and concerts. If you're passionate about the arts, this card adds value beyond just dollars and cents.

Pros

  • Priority booking and discounts for concerts, theatre, and events

  • Earn bonus OCBC$ on entertainment and lifestyle spend

  • Supports Singapore’s local arts scene

  • Low annual fee

Cons

  • Not a strong card for miles or cashback

  • Limited bonus categories compared to mainstream rewards cards

  • Best suited for arts enthusiasts — less useful otherwise

Other OCBC cards

OCBC also offers several specialised credit cards that don’t fit neatly into the typical cashback or air miles categories — but can deliver great value depending on your lifestyle and financial habits. These cards serve specific segments like insurance policyholders, high-income spenders, young professionals, and even tech-savvy shoppers looking for contactless convenience.

  • OCBC NXT Credit Card: Geared towards digital-first users, especially young adults just starting out in their careers. It offers curated benefits for Gen Zs and millennials, like cashback on mobile payments, gaming, streaming, and subscriptions such as Netflix or Spotify. It’s also known for its modern digital interface and interactive budgeting tools within the OCBC Digital app, helping new cardholders develop healthy spending habits.

  • OCBC Great Eastern Cashflo Credit Card: Automatically converts your Great Eastern insurance payments into 6- or 12-month interest-free instalments while giving you cashback when you meet certain spend thresholds. This is a great way to spread out large payments without incurring interest, while still earning rewards on those transactions — something many standard cards exclude.

  • BEST-OCBC Credit Card: A co-branded card that caters to consumers who frequently shop at BEST Denki. It offers additional rebates and 12-month instalment plans for electronics, making it a good choice if you’re planning to buy big-ticket items like home appliances or gadgets. Pair this card with seasonal BEST Denki promotions, and you could walk away with serious savings.

OCBC NXT

Cashback Local
Up to 1 %
Annual Fee
S$ 163.50
Min. Annual Income
S$ 30000

SingSaver's take

Card Details

SingSaver’s take

The OCBC NXT Credit Card is a millennial- and Gen Z-focused card built for the digital lifestyle. It’s one of OCBC’s newer offerings and comes packed with cashback or points for mobile payments, streaming subscriptions, gaming, and digital services — essentially everything that fits a contactless, online-first life. For younger users, it’s an excellent entry point into the world of credit cards, with a lower income requirement and intuitive tracking via the OCBC Digital app.

Beyond the lifestyle appeal, the NXT card comes with smart budgeting features, transaction alerts, and integration with OCBC's Stack rewards platform — making it more than just a tool for spending. It’s designed to help users manage and maximise their finances while rewarding them for the digital habits they already have. If you mostly tap your phone and binge Netflix, this card gives you real value in return.

Pros

  • Rewards for mobile payments, streaming, and online subscriptions

  • Modern interface and real-time spend tracking via OCBC Digital

  • Lower barrier to entry for young adults

  • Tailored for lifestyle spenders in their 20s and 30s

Cons

  • Not suitable for those with traditional spending habits (e.g. offline groceries)

  • Rewards may be capped or limited to lifestyle categories

  • Lacks premium perks like airport lounge or travel insurance

Credit card expert insights

What credit score is needed for OCBC credit cards?

OCBC does not publicly disclose a minimum credit score requirement, but generally, a good to excellent credit score is expected for successful approval — especially for its more premium cards like the OCBC VOYAGE or Premier Voyage. In Singapore, a credit score of 1,900 and above on the Credit Bureau Singapore (CBS) scale is often considered “good” and provides a higher chance of approval.

That said, approval isn't solely dependent on your credit score. OCBC also considers your income level, debt-to-income ratio, employment stability, and whether you already have a banking relationship with them. If you’re new to credit or have a thin credit file, starting with an entry-level card like the OCBC Frank Credit Card can be a good way to build your credit history.

What income is needed for OCBC credit cards?

For most OCBC credit cards in Singapore, the minimum annual income requirement is S$30,000 for Singaporeans and Permanent Residents. For foreigners holding an Employment Pass or S Pass, the requirement is usually higher — around S$45,000 or more annually. These thresholds apply to popular cards like the OCBC 365, Rewards, and Frank cards.

Premium cards such as the OCBC VOYAGE or OCBC Premier Voyage have significantly higher income requirements. These can range from S$120,000 to S$200,000 annually, and are typically geared toward affluent customers who want personalised banking, travel perks, and concierge services. If you're unsure about meeting the income criteria, OCBC's website and application portals will usually prompt you with eligibility requirements upfront before you submit your application.

What else should you consider before signing up for OCBC credit cards?

Beyond income and rewards, it’s important to understand the terms and conditions that govern cashback limits, minimum spend, and exclusions. For example, while a card may offer “6% cashback,” this is often capped (e.g. S$80/month) and may require you to spend a minimum amount (say, S$800) each month to unlock the full benefit. Also, transactions like insurance payments or bill instalments are often excluded from rewards.

You should also consider how well the card fits your spending habits. If you mostly shop online and travel often, a miles or rewards card will likely be more beneficial than a cashback card. Conversely, if you mainly spend on groceries and dining locally, cashback cards can help you save more directly. Finally, factor in whether you’re already using OCBC’s digital ecosystem — like OCBC Stack or the OCBC Digital app — which can make it easier to manage, redeem, and maximise your card benefits.

What are OCBC credit card benefits?

OCBC credit cards are known for being user-friendly, digitally integrated, and packed with practical perks tailored to local lifestyles. Many cards offer rebates on dining, groceries, fuel, and online shopping, while others allow you to earn air miles on both local and foreign spend. A standout feature in 2025 is the no-expiry policy on Travel$ with selected cards, which is great for those planning long-term mile redemptions.

Another major benefit is OCBC’s integration with OCBC Stack and other partner ecosystems like ShopBack, yuu Rewards, and Grab. This means you can stack rewards or convert points flexibly into what suits you from KrisFlyer miles to supermarket vouchers. Cards like the OCBC Plus! Visa also integrate with FairPrice’s loyalty programme, giving you extra value if you’re a frequent NTUC shopper. Whether you're chasing miles or just trying to save on everyday bills, OCBC cards make it easy to plug into a broader reward system.

Methodology

Frequently asked questions about OCBC credit cards

    What is the easiest OCBC credit card to get approved for?

    How do I redeem rewards or miles on OCBC credit cards?

    Are OCBC credit cards good for students or fresh grads?

    How long does it take to get an OCBC credit card approved?

    Can foreigners apply for OCBC credit cards in Singapore?

    How do I cancel my OCBC credit card?