OCBC 365 Credit Card

Who is this card for

This card is ideal for budget-conscious spenders who plan their purchases and track their monthly expenses carefully. You can earn solid cashback in key areas like groceries, dining, and fuel. Drivers in Singapore will appreciate the 5% cashback on fuel, plus up to 22.92% savings at Caltex and 20.2% at Esso. Families can also benefit from earning rewards on regular household expenses. If you don’t travel often or shop much in foreign currencies, this card’s cashback structure offers better everyday value than a miles or rewards card.

Compare to other cards

OCBC 365 Credit Card is perfect if you spend regularly on essentials like groceries, dining, fuel and bills. You get up to 6% cashback across useful daily categories — but you’ll need to spend at least $800 a month to unlock the higher cashback rates. The monthly cashback cap is generous (up to $160 if you spend more), which makes this card ideal for families or those who use it as their main credit card.

Citi Cash Back Card gives you higher cashback — up to 8% on petrol and private hire spend and 6% cash back on groceries and dining on dining and groceries spend, worldwide However, the cashback is capped at $80 per month, so heavy spenders may find it limiting. Like OCBC 365, you’ll also need to spend $800 per month to get the best rates.

DBS Live Fresh Card is a good pick for younger adults and digital-first users. It offers up to 6% cashback on online shopping and contactless payments (great for mobile wallet users), but has the lowest monthly cashback cap (6%) and also requires $800 spend per month.

Credit card application

Step 1: Start your application on SingSaver

• Go to the OCBC 365 Credit Card page on SingSaver.
• Click on the “Apply Now” button.
• You’ll be redirected to OCBC’s secure application portal to complete your application.

Step 2: Fill in your personal and financial details

• Provide basic information such as your name, NRIC, contact details, and income.
• For faster processing, use MyInfo via SingPass to auto-fill your details securely.
• If you prefer, you can also enter your information manually.

Step 3: Upload your supporting documents

• To verify your eligibility, you’ll need to provide the following documents (especially if you’re not using MyInfo):
• Front and back of NRIC (for Singaporeans and PRs) or passport and work pass (for foreigners)
• Latest computerised payslip (or salary-credited bank statement from the past 3 months)
• Latest Notice of Assessment (NOA) from IRAS

Step 4: Submit your application

• Review your details carefully and submit your application.
• OCBC typically processes applications within 3 to 5 working days. You’ll receive email or SMS updates on your application status.

Step 5: Receive and activate your card

• Once approved, your new OCBC 365 Credit Card will be mailed to your registered address.
• Follow the activation instructions included with your card (or activate via OCBC’s mobile banking app).
• Once activated, you can start spending to earn cashback — and make sure to meet the minimum spend requirement to enjoy bonus cashback rates!