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.

See Moreexpand_more

Card benefit

OCBC$ / dollar

info

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

info

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

info

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

layers

Highlights

Card benefit

OCBC$ / dollar

info

Annual Fee

S$ 196.2

info

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

info

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

Offer Available

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.

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.

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.

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 when choosing this card:

Things to consider

check

Retail rebate

check

Online shopping rebate

check

Gift: Apple product

check

No monthly spend required

sentiment_satisfied

Benefits

Cashback

credit_card

Cashback Base Rate

0.28 %

info

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

location_on

Cashback Local

2.78 %

info

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

flight

Cashback Overseas

0.28 %

info

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

restaurant

Cashback Dining

0.28 %

info

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

sell

Cashback Retail

2.78 %

info

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

shopping_bag

Cashback Local Online Shopping

2.78 %

info

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

See Moreexpand_more

AirMiles

credit_card

Airmiles Base Rate

0.4 miles / dollar

location_on

Airmiles Local

Up to 4 miles / dollar

info

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

flight

Airmiles Overseas

0.4 miles / dollar

sell

Airmiles Retail

Up to 6 miles / dollar

info

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$!

restaurant

Airmiles Dining

0.4 miles / dollar

shopping_bag

Airmiles Local Online Shopping

4 miles / dollar

info

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

See Moreexpand_more

sports_score

Quick Facts

check_circle

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

check_circle

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

check_circle

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

check_circle

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

check_circle

Read our full review of the OCBC Rewards Card.

help

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

help

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

lightbulb

Guides

rule_folder

Eligibility

Minimum Age

21 years old

Minimum Annual Income

S$ 30,000

info

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

local_atm

Fees / Repayment

Fees

Annual Fee Waiver

2 years

Annual Fee

S$ 196.2

info

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

info

Or 8% of amount withdrawn, whichever is greater.

Air Miles Conversion Fee

S$ 25

Repayment

Minimum Payment

S$ 50

info

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

Late Payment Charge

S$ 100

info

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

grid_view

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

Tags