Best OCBC Credit Cards in Singapore 2025
Updated: 10 Aug 2025
OCBC credit cards offer flexible benefits, with up to 6% cashback on daily expenses or 10X rewards points on shopping and online purchases. With easy management through digital banking and exclusive discounts on travel, dining, and more, OCBC cards provide great value for any lifestyle.
OCBC Deals: Extra Vouchers and Fee Waiver
Apply for the OCBC INFINITY Cashback Card via SingSaver and get an additional S$100 Foodpanda voucher + 5-year annual fee waiver!
Why Trust SingSaver
Card | Hot Reward Pick | SingSaver Reward | Reward Elsewhere | Card Benefits | Bonus Cap | |||
|---|---|---|---|---|---|---|---|---|
 | OCBC 365 Credit Card | S$999 | S$150 | 0.25 - 6 % cashback | Up to S$160 / month | |||
 | OCBC Rewards Credit Card | S$999 | S$150 | 1 - 15OCBC$ / dollar | 10,000 OCBC$ | |||
 | OCBC 90°N Visa Card | S$999 | S$150 | 1.3 - 7miles / dollar | - | |||
 | OCBC 90°N Mastercard | S$999 | S$150 | 1.3 - 7 miles / dollar | - | |||
 | OCBC INFINITY Cashback Credit Card | S$1,099 | S$150 | 1.6 % cashback | - | |||
 | OCBC NXT Credit Card | - | - | - | 0.5 - 1 % cashback | - | ||
 | OCBC Frank Card | - | - | - | 0.3 - 10 % cashback | - |
Don’t miss out on this great deal!
Stryv Pro Hair Dryer & more worth up to S$189
Apply for select OCBC Credit cards via SingSaver and get sign-up rewards including a Stryv Pro Hair Dryer & more worth up to S$189!
Apply by Aug 31, 2025 to claim your reward
Participating Products:
OCBC 365 Credit Card
:
For Cashback Chasers
OCBC 90°N Visa Card
:
For Miles Lovers
OCBC 90°N Mastercard
:
For Miles Lovers
OCBC Rewards Credit Card
:
For Reward Chasers
OCBC INFINITY Cashback Credit Card
:
For Luxury Perks
How to Qualify?
- SingSaver Exclusive Offer promotion is valid until 31 August 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.
Apply by Aug 31, 2025 to claim your reward
OCBC 365 Credit Card
rating
3.3/ 5
Fuel Savings
Up to 26.8 %Cashback Local Spend
Up to 6 %Cashback Pharmacy
3 %Cashback Dining Spend
5 %Apply through SingSaver and choose from 9 premium rewards:
- 6% cashback on fuel spend at all other petrol stations.
- 5% cash rebate on dining spends all day, everyday (includes local/overseas dining and online food delivery).
- 3% cashback on drugstore purchases, streaming service subscriptions and EV charging expenses.
- 3% cashback on groceries at supermarkets (both local and overseas) and online groceries.
- 3% cashback on private hire (Grab/Gojek) and taxi rides (both local and overseas).
- 3% cashback on recurring telco and electricity bills.
- S$160 monthly cashback cap (up from S$80).
- 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.
- 2-year annual fee waiver.
- Earn up to 4.65% p.a. interest on first S$100,000 of OCBC 365 Account balance.
- Great for homemakers, working adults, cashback lovers, enjoy flexibility over min. spend (S$800 or S$1,600), drive frequently
- Read our full review of the OCBC 365 Credit Card .
- High min. spend of either S$800 or S$1,600 per calendar month
- Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
- S$80 monthly cashback cap with minium spend of $800.
- S$160 monthly cashback cap with mininum spend of $1,600.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
- Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Interest on Purchase: 27.78 %
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
OCBC Rewards Credit Card
rating
3.5/ 5
Rewards Points Online Shopping
15 OCBC$ / dollarRewards Points Contactless Spend
10 OCBC$ / dollarRewards Points Dining
1 OCBC$ / dollarRewards Points Base
1 OCBC$ / dollarApply through SingSaver and choose from 9 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- Earn 15 OCBC$ (equivalent to 6 miles) per S$1 spent at Watsons and online shopping platforms (Lazada, Shopee, Taobao and TikTok Shop).
- Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.
- Enjoy complimentary e-commerce protection on all your online purchases made with this card.
- Get fast approval and use your digital card instantly when you apply via MyInfo.
- Read our full review of the OCBC Rewards Card.
- 15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.
- OCBC$ awarded in blocks of S$5 charged per transaction.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Airmiles Overseas Spend
2.1 miles / dollarAirmiles Local Spend
1.3 miles / dollarAirmiles Hotel Booking
Up to 7 miles / dollarCashback Overseas
2.1 %Apply through SingSaver and choose from 9 premium rewards:
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Flexibility of converting points to miles: 1 Travel$ = 1 mile.
- No expiry on Travel$ earned, and no conversion fee.
- Travel$ can be converted to 1.2% cashback.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived. Receive 10,000 miles when you pay the second year annual fee.
- Read our full review of the OCBC 90°N Credit Card.
- Travel$ awarded in blocks of S$5 charged to the card per transaction.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 Days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
Monthly Spend Required: S$0
OCBC 90°N Mastercard
rating
3.7/ 5
Airmiles Overseas Spend
2.1 miles / dollarAirmiles Local Spend
1.3 miles / dollarAirmiles Hotel Booking
Up to 7 miles / dollarCashback Overseas
2.1 %Apply through SingSaver and choose from 9 premium rewards:
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Your Miles never expire.
- No expiry on Travel$ earned, and no conversion fee.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived.
- Read our full review of the OCBC 90°N Credit Card .
- Travel$ is awarded in blocks of S$5 charged to the card per transaction.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Air Miles Conversion Fee: S$25
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: -
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Cashback Local Online Spend
1.6 %Cashback Transport
1.6 %Cashback Overseas
1.6 %Annual Fee
S$ 196.20Apply through SingSaver and choose from 9 premium rewards:
You’ll also receive the following welcome gift(s) directly from the bank:
- 1.6% unlimited cashback on all eligible spending with no min. spend and no cap
- Cashback automatically credited to cardholder's OCBC INFINITY Account
- 1 year annual fee waiver
- Read our review of the OCBC INFINITY Cashback Card.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: None
Min. Annual Income: S$30,000
Minimum Age: 21 years old
Cashback Local Spend
Up to 1 %Cashback Overseas Spend
Up to 1 %Annual Fee Waiver
2 yearsCashback Transport
Up to 1 %- Purchases are automatically split into monthly installments to ease your cashflow.
- 0% interest on monthly instalments.
- Earn 1% cash rebates when your monthly bill is S$1,000 or more.
- Not applicable to any cash advance, balance transfer, instalment payment plan, interest fees and other promotions and transactions.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Fees
Annual Fee: S$163.50
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Minimum Annual Income: S$30,000
Minimum Age: 21 years old
OCBC Frank Card
rating
3.2/ 5
Cashback Contactless Spend
Up to 10 %Cashback Overseas Online Shopping
8 %Cashback Local Online Shopping
Up to 10 %Cashback Dining
Up to 8 %- Enjoy 8% cashback on foreign currency transactions.
- Enjoy 8% cashback on online/contactless mobile transactions in SGD.
- Enjoy 2% cashback at selected green merchants.
- Annual fee waiver of 2 years
- Minimum spend of S$800 required to earn higher cashback rate.
- Cashback capped at S$100 per month.
- Automatic annual fee waiver requires min. annual spend of S$10,000.
Repayment Details
Minimum Payment: S$50
Late Payment Charge: S$100
Interest on Purchase: 27.78 %
Interest on Cash Advance: 28.92 %
Interest Free Period: 23 days
Fees
Annual Fee: S$196.20
Foreign Currency Transaction Fee: 3.25 %
Cash Advance Service Charge: S$15
Eligibility
Monthly Spend Required: S$800
Min. Annual Income: S$30,000
Minimum Age: 21 years old