OCBC Rewards Credit Card

Unleash the shopaholic within you with the OCBC Rewards Card. Spending in retail categories - both online and in stores - will net you 6 miles per dollar in the form of OCBC$ points. These points can be redeemed as cash rebate, miles, vouchers, products or lifestyle experiences. Card approval is also instant as long as you apply using Myinfo.

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Card benefit

OCBC$ / dollar

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Earn 15 OCBC$ for every dollar spent at Watsons and online shopping platforms (Lazada, Shopee, Taobao and TikTok Shop), and 1 OCBC$ for each dollar spent on petrol, entertainment, travel, flight bookings, hotel bookings, transport, groceries, online food delivery, and dining. Note 15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.

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.

Minimum Annual Income

S$ 30,000

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S$30,000 for Singaporeans and PRs aged between 21 and 54; S$15,000 for Singaporeans and PRs aged above 55; S$45,000 for foreigners

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Highlights

Card benefit

OCBC$ / dollar

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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.

Minimum Annual Income

S$ 30,000

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S$30,000 for Singaporeans and PRs aged between 21 and 54; S$15,000 for Singaporeans and PRs aged above 55; S$45,000 for foreigners

2 Offers Available

Receive 1x chance to open a March Madness Blind Box!

SingSaver March Madness 2026 Campaign

Receive 1x chance to open a March Madness Blind Box!

SingSaver March Madness 2026 campaign runs from 6 March 2026, 3:00 PM SGT to 31 March 2026.
Promotion is valid for new Citi / DBS / HSBC / OCBC credit cardmembers only.
Apply for credit cards from participating providers and submit the Rewards Redemption Form to receive 1x chance to open a March Madness Blind Box.
- March Madness Blind Box reward will be granted after the customer has met all eligibility requirements for the credit card.
Customers may choose to open one of 3 available Blind Box categories, which contain the following rewards:
- Blind Box 1: Ultimate Tech Vault
  - Apple iPhone 17 Pro 256GB (worth S$1,749)
  - DJI Osmo Action 5 Pro Standard Combo (worth S$489)
  - Apple AirPods 4 (worth S$199)
  - 500 Max Miles by HeyMax
  - 100 Max Miles by HeyMax
- Blind Box 2: Home Luxe Edit
  - Dyson Airwrap + Airstrait Bundle (worth S$1,598)
  - Shark HydroVac 3-in-1 Cordless Wet & Dry Hard Floor Cleaner (worth S$649)
  - Stryv Pro Hair Dryer (worth S$239)
  - 500 Max Miles by HeyMax
  - 100 Max Miles by HeyMax
- Blind Box 3: Pro Gamer Arena
  - Sony PlayStation®5 Pro (worth S$1,069)
  - AOC Q27G4S Monitor (worth S$449)
  - Logitech G Pro X Superlight Mouse (worth S$189)
  - 500 Max Miles by HeyMax
  - 100 Max Miles by HeyMax
Promotion is stackable with SingSaver Exclusive Offer reward (additional T&Cs apply).
Terms and Conditions apply.

SingSaver Exclusive Offer

S$370 Cash via PayNow

SingSaver Exclusive Offer promotion is valid from 6 March 2026, 3:00 PM to 31 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

25,000 Max Miles by HeyMax (worth S$600+)

SingSaver Exclusive Offer

25,000 Max Miles by HeyMax (worth S$600+)

SingSaver Exclusive Offer promotion is valid from 6 March 2026, 3:00 PM to 31 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Dyson Airstrait™ straightener (worth S$799)

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799)

SingSaver Exclusive Offer promotion is valid from 6 March 2026, 3:00 PM to 31 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Apple AirPods Pro Gen 3 + S$40 eCapitaVoucher bundle (worth S$389)

SingSaver Exclusive Offer

Apple AirPods Pro Gen 3 + S$40 eCapitaVoucher bundle (worth S$389)

SingSaver Exclusive Offer promotion is valid from 6 March 2026, 3:00 PM to 31 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

50,000 OCBC$ (worth a round trip to Bali)

SingSaver Exclusive Offer

50,000 OCBC$ (worth a round trip to Bali)

SingSaver Exclusive Offer promotion is valid from 6 March 2026, 3:00 PM to 31 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$80)

SingSaver Exclusive Offer

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$80)

SingSaver Exclusive Offer promotion is valid from 6 March 2026, 3:00 PM to 31 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Sony WH-1000XM6 headphones (worth S$649, top up S$80)

SingSaver Exclusive Offer

Sony WH-1000XM6 headphones (worth S$649, top up S$80)

SingSaver Exclusive Offer promotion is valid from 6 March 2026, 3:00 PM to 31 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Dyson Airwrap™ multi-styler and dryer (worth S$799) (top up S$100)

SingSaver Exclusive Offer

Dyson Airwrap™ multi-styler and dryer (worth S$799) (top up S$100)

SingSaver Exclusive Offer promotion is valid from 6 March 2026, 3:00 PM to 31 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Apple Watch Series 11 Aluminum 42mm GPS (worth S$599, top up S$220)

SingSaver Exclusive Offer

Apple Watch Series 11 Aluminum 42mm GPS (worth S$599, top up S$220)

SingSaver Exclusive Offer promotion is valid from 6 March 2026, 3:00 PM to 31 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Apple Watch Ultra 3 Titanium 49mm GPS+Cellular (worth S$1,199, top up S$800)

SingSaver Exclusive Offer

Apple Watch Ultra 3 Titanium 49mm GPS+Cellular (worth S$1,199, top up S$800)

SingSaver Exclusive Offer promotion is valid from 6 March 2026, 3:00 PM to 31 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

SingSaver Exclusive Offer

Apple iPad Air (M4) 11" 128GB WiFi (worth S$899) (Top up S$500)

SingSaver Exclusive Offer promotion is valid from 6 March 2026, 3:00 PM to 31 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Things to consider when choosing this card:

Things to consider

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Retail rebate

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Online shopping rebate

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Gift: Apple product

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No monthly spend required

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Benefits

Cashback

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Cashback Base Rate

0.28 %

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S$1 local spend = 1 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 0.28% cashback.

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Cashback Local

2.78 %

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S$1 local spend = 10 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 2.78% cashback.

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Cashback Overseas

0.28 %

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S$1 local spend = 1 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 0.28% cashback.

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Cashback Dining

0.28 %

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(Non-direct Cashback) S$1 local spend = 1 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 0.28% cashback.

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Cashback Retail

2.78 %

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(Indirect Cashback) S$1 local spend = 10 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 2.78% cashback.

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Cashback Local Online Shopping

2.78 %

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(Indirect Cashback) S$1 local spend = 10 OCBC$. 18,000 OCBC$ redeems S$50 Titanium Cash. Equivalent to 2.78% cashback.

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AirMiles

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Airmiles Base Rate

0.4 miles / dollar

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Airmiles Local

Up to 4 miles / dollar

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4 mpd on selected online and offline shopping capped at S$1,110 per calendar month

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Airmiles Overseas

0.4 miles / dollar

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Airmiles Retail

Up to 6 miles / dollar

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Now till 30 June 2025, earn 15 OCBC$ (6 miles) per S$1 spent at Watsons and department stores (up from 4 miles). Get up to 5,000 extra OCBC$, on top of the usual 10,000 monthly bonus OCBC$!

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Airmiles Dining

0.4 miles / dollar

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Airmiles Local Online Shopping

4 miles / dollar

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10X OCBC$ (equivalent to 4 air miles) per S$1 spent

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Quick Facts

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Earn 15 OCBC$ (equivalent to 6 miles) per S$1 spent at Watsons and online shopping platforms (Lazada, Shopee, Taobao and TikTok Shop).

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Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.

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Enjoy complimentary e-commerce protection on all your online purchases made with this card.

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Get fast approval and use your digital card instantly when you apply via MyInfo.

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Read our full review of the OCBC Rewards Card.

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15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.

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OCBC$ awarded in blocks of S$5 charged per transaction.

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Guides

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Eligibility

Minimum Age

21 years old

Minimum Annual Income

S$ 30,000

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S$30,000 for Singaporeans and PRs aged between 21 and 54; S$15,000 for Singaporeans and PRs aged above 55; S$45,000 for foreigners

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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.

Air Miles Conversion Fee

S$ 25

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

World Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Fitbit Pay

Garmin Pay

NETSPay

OCBC Rewards Credit Card

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

AirMiles

Quick Facts

Guides

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

Supported Payment Type

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