Best OCBC Credit Cards in Singapore 2026 | SingSaver
Updated: 1 Jan 2026
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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 | S$799 | S$30,000 | 1.3 - 7 | S$196.20 | ||
 | OCBC Voyage Card | - | - | S$120,000 | - | S$497.06 | |
 | OCBC 90°N Visa Card | S$799 | S$30,000 | 1.3 - 7 | S$196.20 | ||
 | OCBC Rewards Credit Card | S$799 | S$30,000 | 1 - 15 | S$196.20 | ||
 | OCBC 365 Credit Card | S$799 | S$30,000 | 0.25 - 6 % | S$196.20 | ||
 | OCBC Frank Card | - | - | S$30,000 | 0.3 - 10 % | S$196.20 | |
 | OCBC INFINITY Cashback Credit Card | S$799 | S$30,000 | 1.6 % | S$196.20 | ||
 | OCBC Arts Platinum Credit Card | - | - | S$30,000 | 1 - 3 | S$163.50 |
SingSaver recommends: OCBC 90°N and OCBC Voyage for local spend
OCBC 90°N Mastercard
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Your Miles never expire.
- No expiry on Travel$ earned, and no conversion fee.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived.
- Read our full review of the OCBC 90°N Credit Card .
- No expiry air miles
- Unlimited air miles
- Travel$ is awarded in blocks of S$5 charged to the card per transaction.
- No monthly spend required
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
OCBC Voyage Card
- 2.2 miles per dollar on overseas spend.
- 1.3 miles per dollar on local spend.
- VOYAGE miles earned do not expire.
- Unlimited plaza premium lounge visits.
- Exchange VOYAGE Miles for air tickets and hotel accommodation via Travel with OCBC or VOYAGE Exchange. You also get to accrue loyalty points with your redemption.
- Convert VOYAGE Miles to loyalty points at 9 airline and hotel partner programmes.
- No expiry air miles
- Overseas rebate
- Airport lounge
- Airport transfer
- Miles earned in blocks of S$5.
- Minimum annual income requirement of S$120,000.
- Annual Fee of S$492.50.
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
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Flexibility of converting points to miles: 1 Travel$ = 1 mile.
- No expiry on Travel$ earned, and no conversion fee.
- Travel$ can be converted to 1.2% cashback.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived. Receive 10,000 miles when you pay the second year annual fee.
- Read our full review of the OCBC 90°N Credit Card.
- Unlimited air miles
- No expiry air miles
- Bonus air miles
- Travel$ awarded in blocks of S$5 charged to the card per transaction.
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
- Earn 15 OCBC$ (equivalent to 6 miles) per S$1 spent at Watsons and online shopping platforms (Lazada, Shopee, Taobao and TikTok Shop).
- Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.
- Enjoy complimentary e-commerce protection on all your online purchases made with this card.
- Get fast approval and use your digital card instantly when you apply via MyInfo.
- Read our full review of the OCBC Rewards Card.
- Retail rebate
- Online shopping rebate
- Gift: Apple product
- No monthly spend required
- 15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.
- OCBC$ awarded in blocks of S$5 charged per transaction.
SingSaver’s take
The OCBC Rewards Card isn’t a traditional travel card, but savvy users know it can shine when it comes to online overseas spend. You earn 10X OCBC$ (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 2026
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
- 6% cashback on fuel spend at all other petrol stations.
- 5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
- 3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
- 3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
- 3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
- 3% cashback on recurring telco and electricity bills.
- S$160 monthly cashback cap (up from S$80).
- Up to 22.92% fuel savings at Caltex (incl. 18% instant discount for all fuel) and 6% cashback on fuel spend at all other petrol stations.
- 2-year annual fee waiver.
- Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
- Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
- Read our full review of the OCBC 365 Credit Card .
- Petrol rebate
- Dining rebate
- High min. spend of either S$800 or S$1,600 per calendar month
- Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
- S$80 monthly cashback cap with minium spend of $800.
- S$160 monthly cashback cap with mininum spend of $1,600.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
- Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
- Monthly spend required
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
OCBC Frank Card
- Enjoy 8% cashback on foreign currency transactions.
- Enjoy 8% cashback on online/contactless mobile transactions in SGD.
- Enjoy 2% cashback at selected green merchants.
- Annual fee waiver of 2 years
- Contactless payment
- Overseas rebate
- Online shopping rebate
- Minimum spend of S$800 required to earn higher cashback rate.
- Cashback capped at S$100 per month.
- Automatic annual fee waiver requires min. annual spend of S$10,000.
- Monthly spend required
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
- 1.6% unlimited cashback on all eligible spending with no min. spend and no cap
- Cashback automatically credited to cardholder's OCBC INFINITY Account
- 1 year annual fee waiver
- Read our review of the OCBC INFINITY Cashback Card.
- No rebate cap
- No monthly spend required
- Annual fee waiver
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$194.40)
Best suited for high or consistent spenders — not ideal for low-spend users
SingSaver recommends: OCBC Arts for rewards
OCBC Arts
- Enjoy priority bookings and discounts with SISTIC, Singapore Dance Theatre, and other arts partners—ideal for arts and culture lovers.
- Earn 15 OCBC$ per S$5 on SISTIC transactions—3x the base rate, offering strong value for entertainment spending.
- OCBC$ can be redeemed for cash rebates, vouchers, or air miles (KrisFlyer), offering flexibility based on your preferences.
- The base earn rate of 5 OCBC$ per S$5 is consistent across most categories, providing predictable rewards on everyday purchases.
- You can easily request a waiver for the annual fee through the OCBC app or online banking, potentially saving S$160.50 annually.
- Unlike other cards in its tier, this card offers no airport lounge access, travel insurance, or bonus travel rewards—limiting its value for frequent flyers.
- The base earn rate converts to roughly 0.4% cashback or air miles equivalent, which is lower than many cashback or rewards cards in Singapore.
- Outside of SISTIC and arts-related perks, there are no enhanced rewards for dining, groceries, online shopping, or transport—areas where most people spend heavily.
SingSaver’s take
The OCBC Arts Credit Card is a niche but rewarding option for Singaporeans who love music, theatre, and cultural events. As Singapore’s first card designed for arts patrons, it offers exclusive ticketing discounts, early access to shows, and bonus rewards on lifestyle and entertainment spend. In 2025, OCBC continues to partner with local venues and production houses, making this card especially relevant as live events and performances regain momentum.
While the earn rate on general spend isn’t exceptionally high, this card shines when paired with your personal interests. It’s less about maximising points and more about unlocking unique experiences — like priority access to SISTIC bookings or special prices at local cinemas and concerts. If you're passionate about the arts, this card adds value beyond just dollars and cents.
Pros
Priority booking and discounts for concerts, theatre, and events
Earn bonus OCBC$ 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.
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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.
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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.
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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
- Purchases are automatically split into monthly installments to ease your cashflow.
- 0% interest on monthly instalments.
- Earn 1% cash rebates when your monthly bill is S$1,000 or more.
- Installment
- Not applicable to any cash advance, balance transfer, instalment payment plan, interest fees and other promotions and transactions.
- Rebate cap applied
- Monthly spend required
- Annual Fee required
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.
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Frequently asked questions about OCBC credit cards
The OCBC Frank Credit Card is generally considered one of the easier cards to qualify for, especially for young working adults with entry-level incomes. It has a relatively low annual fee (waived for 2 years) and is designed with first-jobbers in mind.
Redemptions can be done through the OCBC Rewards platform online or via the OCBC Digital app. You can convert OCBC$ or Travel$ into vouchers, KrisFlyer miles, or even use them to offset your statement balance, depending on the card type.
Yes — the OCBC Frank and Student cards are popular options for students or those starting out. They come with digital banking perks, low fees, and mobile payment benefits tailored for younger users.
If you apply online using MyInfo via Singpass, approval can be instant or take up to 5 working days. Manual applications or missing documentation may slow things down.
Yes — most OCBC cards are available to foreigners with a valid employment pass. However, income requirements for foreigners are typically higher (e.g. S$45,000 annual income vs. S$30,000 for Singaporeans).
To cancel your OCBC credit card, you can do so via the OCBC Digital app or Internet Banking by selecting “Card Services” and choosing “Cancel card.” For cards like VOYAGE or if it’s your only OCBC card, you’ll need to call OCBC at 1800 363 3333 (or (65) 6363 3333 when calling from overseas). Make sure to settle any outstanding balances, redeem your rewards, and update any linked recurring payments before cancelling.