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.

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Card benefit

% cashback

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6% cashback on petrol and up to 6% on local spending, with 5% cashback on dining. You'll also earn 3% cashback on supermarkets, health expenses, transport, and online bill payments for streaming services like Netflix and Disney+, and other FCY spending earns 0.25% cashback. Note: all cashback is available with a minimum monthly spend of $800 on eligible purchases and S$160 monthly cashback cap with mininum spend of $1,600.

Annual Fee

S$ 196.2

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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Monthly Spend Required

S$ 800

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Capped at S$80 cashback per calendar month. Otherwise, min. S$1,600 spend, capped at S$160 per calendar month.

Minimum Annual Income

S$ 30,000

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Highlights

Card benefit

% cashback

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Annual Fee

S$ 196.2

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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Monthly Spend Required

S$ 800

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Capped at S$80 cashback per calendar month. Otherwise, min. S$1,600 spend, capped at S$160 per calendar month.

Minimum Annual Income

S$ 30,000

2 Offers Available

SingSaver Exclusive Offer

Apple AirPods Gen 4 (worth S$199)

SingSaver Exclusive Offer promotion is valid until 1 May 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.

SingSaver Exclusive Offer

Stryv Color+ hair dryer (worth S$129)

SingSaver Exclusive Offer promotion is valid until 1 May 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.

SingSaver Exclusive Offer

S$170 Shopee Voucher

SingSaver Exclusive Offer promotion is valid until 1 May 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.

SingSaver Exclusive Offer

S$150 Cash via PayNow

SingSaver Exclusive Offer promotion is valid until 1 May 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.

Stackable Welcome Offer

1 Year Disney+ Premium Subscription

Welcome Offer promotion is valid until 30 April 2025.
Promotion is valid for new OCBC credit cardmembers only.
Be one of the first 5,000 to apply and get approved for participating OCBC credit cards during the promo period to be eligible for reward.
Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
Terms and Conditions apply.

Things to consider when choosing this card:

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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With minimum spending of S$800 or S$1,600 per calendar month. Cashback capped at S$80 or S$160, depending on minimum spend.

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Cashback Overseas

0.25 %

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Cashback Dining

5 %

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Online food delivery, local and overseas dining with min. S$800 spend per calendar month.

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Cashback Supermarket

3 %

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With minimum spending of $800 per calendar month.

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Cashback Petrol

6 %

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With minimum spending of $800 per calendar month. 3% cashback on EV charging spend at Charging stations (e.g. SP Digital, Greenlots, Virta Charging Stations and City Energy).

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Cashback Health

3 %

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Only for purchases made at pharmacies like Guardian or Watson. With minimum spending of $800 per calendar month.

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Cashback Online Bill Payment Spending

3 %

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Only for streaming services like Netflix, Disney+, Spotify and Apple Music. With minimum spending of $800 per calendar month.

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Cashback Transport

3 %

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Bus and train rides using SimplyGo. Local and overseas private hire rides (e.g. Grab (excluding GrabPay), Gojek and TADA). Local and overseas taxi rides (e.g. ComfortDelGro). With minimum spending of $800 per calendar month.

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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

Minimum Age

21 years old

Minimum Annual Income

S$ 30,000

Monthly Spend Required

S$ 800

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Capped at S$80 cashback per calendar month. Otherwise, min. S$1,600 spend, capped at S$160 per calendar month.

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Fees / Repayment

Fees

Annual Fee Waiver

2 years

Annual Fee

S$ 196.2

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First 2 Years Waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

S$ 15

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Or 8% of amount withdrawn, whichever is greater.

Repayment

Minimum Payment

S$ 50

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S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.

Late Payment Charge

S$ 100

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S$100 if Minimum Payment Due is not received on or before the Payment Due Date.

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

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.

OCBC 365 Credit Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

Quick Facts

Guides

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

Supported Payment Type

Tags

Other similar credit cards to consider

Frequently Asked Questions

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

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

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

What sets the OCBC 365 Card apart from other cards?