OCBC 365 Credit Card

Last updated:May 2019
Offers
Benefits
Eligibility
APR/ FEES

Offers

Welcome Offers from OCBC

OFFER 1

Receive $100 cashback upon approval

Receive S$100 cash back upon approval

  • Only applicable for new cardholders (new OCBC principal credit card holder who is not holding any existing OCBC credit card
  • Terms and Conditions apply
  • Promotion valid till 30 June 2019.

Need some help?

No worries, we've got you covered!

How do credit cards work?

A credit card lets you pay for purchases both in shops and online without paying cash. You usually get slightly more than a month to pay that amount back to the bank without incurring any interest. However, if you do not pay the full sum before the due date, an interest (up to 24% - 28% per annum.) is charged on the outstanding amount. Banks usually require you to pay a minimum sum each month.

What's the difference between credit cards and debit cards?

When you apply for a credit card, you get a credit limit, which is usually two to four times your monthly salary. You draw down on this credit limit when you make purchases and then repay the bank at the end of the month. With a debit card, however, the exact purchase amount is deducted directly from an account that's linked to the debit card. If there are insufficient funds in the account, the transaction will not go through.

How do I apply for a credit card?

You can apply for a credit card online or through forms available at banks or shopping malls. Fill up the personal details required, submit the relevant documents and wait for the application to be approved.

When can I apply for a credit card?

You must be at least 21 years old to apply for a credit card. Some banks allow student credit cards to be issued to those aged 18. The minimum age for a supplementary card holder is also 18 years old.

Best for daily spending on food, groceries, commuting and dining.

Best for daily spending on food, groceries, commuting and dining.

Daily Expenses
Dining & Entertainment
Shopping
Annual Fee Waiver
Daily Expenses
Dining & Entertainment
Shopping
Annual Fee Waiver

Great for

SingSaver Exclusive: Get S$100 cash back upon approval. Promo is valid till 30 June 2019. Terms and Conditions apply.
For existing customers, please click here.
Get 6% cash rebate for overseas and local dining, all day, including online food delivery
3% cashback on groceries at supermarkets, local and overseas, inclusive of online groceries
3% cashback on local and overseas private hire rides (e.g. ComfortDelGro, Ofo and Ryde), including local and overseas taxi
3% cashback on recurring telco bills and electricity bills
3% cashback on online air and cruise tickets purchase and online hotel and tour bookings (e.g. Agoda and Airbnb)
Up to 23% fuel savings at Caltex and 5% cashback on fuel spend at all other petrol stations
Annual fee waiver for first 2 years. Min. spend of S$10,000 for automatic waivers of annual fee for OCBC 365 Card.
Min. spend of S$800 and Cashback cap of S$80 per month.

Need to know

Min. income requirement for Singaporeans/PRs: S$30,000 & min. income requirement for Foreigners: S$45,000

Benefits

Year-round rewards

Cash rebate
Air miles rewards
Cash rebate
All Spending
0.3 %
Dining Spending
6 %
Retail Spending
3 %
Online Shopping Spending (Local)
3 %
Online Shopping Spending (Overseas)
3 %
Local Spending
6 %

Eligibility

APR/ FEES

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