OCBC BankOCBC 365
4495 4526 9057 0819
VALID THRU 09/28TAYLOR REED
Cash Back Cards · Singapore
OCBC 365 Credit Card
4.3 / 5 editorial rating
Best for: households spending S$800 or more a month on petrol, dining and groceries.
Annual feeS$196.20/yr
IssuerOCBC Bank
NetworkSee issuer
Purchase APR27.78% p.a.
Foreign transaction fee3.25% (1% card network + 2.2…
Credit neededS$30,000 for Singaporeans/PR…
Pros
- High 5% to 6% rates on dining and petrol
- Two years without an annual fee
- Covers everyday bills such as utilities and streaming
Cons
- Only 0.25% in months you spend under S$800
- Cash back capped at S$160 a month
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The OCBC 365 Credit Card pays 6% on petrol, 5% on dining and 3% on groceries and bills when you spend at least S$800 a month, up to S$160 in cash back.
OCBC 365 Credit Card at a glance
| Issuer | OCBC Bank |
| Card network | See issuer |
| Annual fee | S$196.20 (first two years waived) |
| Rewards rate | 6% petrol; 5% dining and food delivery; 3% groceries, land transport, Watsons, streaming, EV charging and utilities with S$800 minimum monthly spend; capped at S$160 a month; 0.25% if you spend less |
| Welcome bonus | See issuer for the current offer |
| Intro APR | None |
| Regular APR | 27.78% p.a. |
| Foreign transaction fee | 3.25% (1% card network + 2.25% OCBC fee) |
| Credit needed | S$30,000 for Singaporeans/PRs aged 21 to 55; S$15,000 above 55; S$45,000 for foreigners |
| Best for | Households spending S$800+ a month on petrol, dining and groceries |
Key features
- Annual fee waived for the first two years
- Fee also waived automatically when you spend S$10,000 in a year
- Up to S$160 cash back a month
- Bonus rates on petrol, dining, groceries, transport, streaming and utilities
Pros
- High 5% to 6% rates on dining and petrol
- Two years without an annual fee
- Covers everyday bills such as utilities and streaming
Cons
- Only 0.25% in months you spend under S$800
- Cash back capped at S$160 a month
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar Singapore cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
OCBC BankOCBC 365 4495 4526 9057 0819 VALID THRU 09/28TAYLOR REED OCBC 365 Credit CardHouseholds spending S$800+ a month on petrol, dining and groceries |
S$196.20/yr | 6% petrol; 5% dining and food delivery; 3% groceries, land transport,… | None | 3.25% (1% card network + 2… | S$30,000 for Singaporeans/PRs… | |
Citibank SingaporeCiti Cash Back+ 5250 0491 0812 8313 VALID THRU 12/29CASEY BROOKS Citi Cash Back+ CardAnyone who wants a high flat cash back rate without tracking categories |
S$196.20/yr | 1.6% cash back on eligible spend with no minimum spend and no cap; ext… | None | Up to 3.25% | S$30,000 for Singaporeans/PRs;… | |
UOBOne 5295 9745 9886 8994 VALID THRU 03/29SAM RIVERA UOB One CardSteady spenders who hit S$600 to S$2,000 a month with 10+ purchases |
S$196.20/yr | Quarterly cash back of S$60, S$100 or S$200 for S$600, S$1,000 or S$2,… | None | 3.25% | S$30,000 for Singaporeans/PRs… | |
Maybank SingaporeMaybank Family & Friends 5223 6152 0941 3426 VALID THRU 01/29TAYLOR REED Maybank Family & Friends CardHouseholds that want to pick their own 8% cash back categories |
S$196.20/yr | 8% cash back in 5 categories you choose with at least S$800 spend a mo… | None | 2.25% Maybank fee plus up… | S$30,000 for Singaporeans/PRs;… |
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