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 on retail and online shopping, 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.

Monthly Spend Required

None

Minimum Annual Income

S$ 30,000

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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.

Monthly Spend Required

None

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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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

4 miles / dollar

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Airmiles Overseas

0.4 miles / dollar

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Airmiles Retail

4 miles / dollar

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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 15X OCBC$ (or 6 miles) for every S$1 spent at selected popular retailers (new selections every three months).

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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

Monthly Spend Required

None

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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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