OCBC Rewards Credit Card

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.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 OCBC$ / dollar
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Annual Fee
S$ 196.2
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Minimum Annual Income
S$ 30,000
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2 Offers Available
S$68 eCapitaVoucher
SingSaver CNY 2026 Flash Deal
S$68 eCapitaVoucher
  • SingSaver CNY 2026 Flash Deal campaign runs from 19 February 2026 to 26 February 2026.
  • Promotion is valid for new Citi / HSBC / OCBC credit cardmembers only.
  • Be one of the first 8 cardmembers at 2pm and 8pm every day during the flash deal period (16 total winners daily) to apply for participating credit cards and fulfill the minimum spend criteria to be eligible for Flash Deal reward: S$68 eCapitaVoucher.
    • Flash Deal reward will be received on top of your selected SingSaver Exclusive Offer reward.
    • Remaining applicants will receive SingSaver Exclusive Offer reward selected in your Rewards Redemption Form.
    • Eligible applicant pool is shared across all participating providers.
  • Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
  • 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 19 February 2026 to 1 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 19 February 2026 to 1 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.
S$250 Cash + Xiaomi Luggage Classic Pro 24
SingSaver Exclusive Offer
S$250 Cash + Xiaomi Luggage Classic Pro 24" (total worth S$449)
  • SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 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.
S$370 Cash via PayNow
SingSaver Exclusive Offer
S$370 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 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 19 February 2026 to 1 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$60)
SingSaver Exclusive Offer
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$60)
  • SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 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 Wireless Noise-Cancelling Headphones (worth S$649) (Top up S$60)
SingSaver Exclusive Offer
Sony WH-1000XM6 Wireless Noise-Cancelling Headphones (worth S$649) (Top up S$60)
  • SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 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 19 February 2026 to 1 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$250)
SingSaver Exclusive Offer
Apple Watch Series 11 Aluminum 42mm GPS (worth S$599, top up S$250)
  • SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 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+Cellular (worth S$739, top up S$380)
SingSaver Exclusive Offer
Apple Watch Series 11 Aluminum 42mm GPS+Cellular (worth S$739, top up S$380)
  • SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 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 19 February 2026 to 1 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

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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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Cashback Local
2.78  %
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Cashback Overseas
0.28  %
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restaurant
Cashback Dining
0.28  %
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Cashback Retail
2.78  %
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Cashback Local Online Shopping
2.78  %
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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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Airmiles Overseas
0.4  miles / dollar
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Airmiles Retail
Up to 6  miles / dollar
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restaurant
Airmiles Dining
0.4  miles / dollar
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Airmiles Local Online Shopping
4  miles / dollar
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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

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
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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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Air Miles Conversion Fee
S$ 25

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

World Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Fitbit Pay

Garmin Pay

NETSPay

Tags

OCBC Rewards Credit Card OCBC Rewards Credit Card

© 2015-2026 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118.