OCBC 365 Credit Card

OCBC 365 Credit Card

The OCBC 365 Card is a generous everyday cashback card earning 2X more cashback (of up to S$160): 6% cashback on petrol, 5% cashback on dining and food delivery, and 3% cashback on groceries, public transport, ride-hailing, pharmacy, streaming, and EV charging.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 % cashback
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Annual Fee
S$ 196.2
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Monthly Spend Required
S$ 800
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Minimum Annual Income
S$ 30,000
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Offer Available
Apple AirPods Gen 4 (worth S$199)
SingSaver Exclusive Offer
Apple AirPods Gen 4 (worth S$199)
  • SingSaver Exclusive Offer promotion is valid until 31 July 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Apply for participating OCBC credit cards via SingSaver and make at least 1 transaction within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from OCBC.
  • Terms and Conditions apply.
Stryv Airflex 2.0 (worth S$369)
SingSaver Exclusive Offer
Stryv Airflex 2.0 (worth S$369)
  • SingSaver Exclusive Offer promotion is valid until 31 July 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Apply for participating OCBC credit cards via SingSaver and make at least 1 transaction within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from OCBC.
  • Terms and Conditions apply.
S$200 Shopee Voucher
SingSaver Exclusive Offer
S$200 Shopee Voucher
  • SingSaver Exclusive Offer promotion is valid until 31 July 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Apply for participating OCBC credit cards via SingSaver and make at least 1 transaction within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from OCBC.
  • Terms and Conditions apply.
S$160 Cash via PayNow
SingSaver Exclusive Offer
S$160 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid until 31 July 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Apply for participating OCBC credit cards via SingSaver and make at least 1 transaction within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from OCBC.
  • Terms and Conditions apply.

Things to consider

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Petrol rebate

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Dining rebate

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Monthly spend required

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Benefits

Cashback

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Cashback Base Rate
0.25  %
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Cashback Local
Up to 6  %
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Cashback Overseas
0.25  %
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Cashback Dining
5  %
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Cashback Supermarket
3  %
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Cashback Petrol
6  %
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Cashback Health
3  %
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Cashback Online Bill Payment Spending
3  %
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commute
Cashback Transport
3  %
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Quick Facts

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6% cashback on fuel spend at all other petrol stations.

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5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).

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3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.

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3% cashback on groceries at supermarkets (both local and overseas) and online groceries.

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3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).

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3% cashback on recurring telco and electricity bills.

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S$160 monthly cashback cap (up from S$80).

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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.

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2-year annual fee waiver.

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Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.

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Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently

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Read our full review of the OCBC 365 Credit Card .

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High min. spend of either S$800 or S$1,600 per calendar month

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Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.

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S$80 monthly cashback cap with minium spend of $800.

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S$160 monthly cashback cap with mininum spend of $1,600.

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Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.

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Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
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Monthly Spend Required
S$ 800
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Fees / Repayment

Fees

Annual Fee Waiver
2 years
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Repayment

Minimum Payment
S$ 50
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Late Payment Charge
S$ 100
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Interest on Purchase
27.78  %
Interest on Cash Advance
28.92  %
Interest Free Period
23  days
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Others

Association

VISA Signature

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Fitbit Pay

Garmin Pay

NETSPay

Tags

OCBC 365 Credit Card OCBC 365 Credit Card

Read Singsaver’s full review of the OCBC 365 Credit Card

Pros & cons

 

Pros Cons
Earn up to 6% cashback on dining, 5% on fuel (including petrol from all stations), 3% on groceries and online travel bookings. To qualify for bonus cashback rates, you need to hit $800 in monthly spending — otherwise, the base cashback drops to 0.3%.
The card is optimised for essential spending — think food delivery, supermarket runs, and daily commutes. A 3.25% fee applies on overseas purchases, which can negate cashback earnings if you're a frequent traveller.
Provided you meet the minimum monthly spend of $800, you can maximise returns with one of the highest caps in its category. This is a cashback-only card — not ideal if you prefer to earn miles or flexible rewards points.

 

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.

OCBC 365 Credit Card

Interest rate: 27.78%

Annual fee: $196.20 (including GST), waived for the first 2 years

Minimum annual income:

  • $30,000 and above for Singaporeans and Singapore PRs
  • $45,000 and abover for foreigners

Benefits:

  • Enjoy 2x more cashback of up to S$160
  • 6% cashback on fuel spend at all petrol service stations
  • 5% cashback on dining and food delivery
  • 3% cashback on Watsons, streaming and EV charging

DBS Live Fresh Card

Interest rate: 27.8%

Annual fee: $196.20 (first year waived)

Minimum annual income:

  • $30,000 and above for Singaporeans and PRs
  • $45,000 and above for foreigners

Benefits:

  • Up to 6% cashback on shopping and transport
  • Unlimited 0.3% cashback on all spend
  • Zero FX fees on your in-store overseas spend

Learn More

Citi Cash Back Card

Interest rate: 27.9%

Annual fee: $196.20 (first year waived)

Minimum annual income:

  • $30,000 and above for Singaporeans and PRs
  • $42,000 and above for foreigners

Benefits:

  • Up to 8% cashback on on private commute and petrol spend, worldwide
  • Cashback capped at $80 per statement month
  • Minimum spend of $800 per month required to unlock 8% cashback
  • Access Citi World Privileges for local and global dining, travel and shopping discounts

Learn More

 

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!

Credit card application resources


Need a card that matches how you spend and live? Check out our top recommendations by category below:

 

Frequently Asked Questions

Are there any fees I should be aware of if I apply for the OCBC 365 Card?

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Besides the typical credit card fees & charges (e.g. late payment fee, interest on purchases, interest on cash advance, etc.), the only additional costs to monitor are the min. spend requirement and cashback cap.

Failure to hit the min. spend and/or exceeding the cashback cap will result in the bonus cashback rate reverting to the base 0.25% cashback.

How do I know if I’m eligible for the OCBC 365 Card?

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Refer to our Eligibility section for more details.

What do I do if I need to cancel my OCBC 365 Card?

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To cancel an OCBC credit card, you can either call the OCBC customer service hotline at 6363 3333 (local) / +65 363 3333 (overseas) or in person via a form or visiting an OCBC branch.

What sets the OCBC 365 Card apart from other cards?

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The OCBC 365 Card prides itself on being a reliable cashback for your everyday essentials – and it certainly does live up to the hype. It offers bonus cashback on unique categories like streaming services, pharmacy purchases, utility, telco bills, and even electric vehicle charging.

Moreover, dining and grocery transactions aren’t discriminated against, regardless of whether you spend locally or internationally. Both earn 5% and 3% cashback respectively regardless.

Lastly, its unique two-tiered min. spend system offers cardholders the option of either meeting S$800 or S$1,600 spend per calendar month. Thus, this simultaneously alleviates the pressure of reaching the min. spend but also encourages and rewards those who can attain the higher amount.

Is the OCBC 365 credit card a Visa or Mastercard?

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The OCBC 365 credit card is a Visa Signature card.

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