OCBC 365 Credit Card
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Summary
OCBC 365 Credit Card
One of the most popular credit cards with cashback benefits perfect for everyday expenses, including local and online food delivery, groceries, ride-hailing services such as Grab, and recurring telco and electricity bills.
Product Page Transparency
- Pays to access additional features
1) Key Features
- 6% monthly cashback on online food delivery and all local and overseas dining
- 5% monthly cashback on fuel spend at all petrol stations
- 3% monthly cashback on groceries, land transport rides, streaming, EV charging, and utilities
- Minimum spend of S$800 per calendar month for Cashback capped at S$80 per calendar month
- Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver
2) Benefits
Dining
- 6% monthly cashback for local and overseas dining
- 6% monthly cashback for online food delivery
Grocery
- 3% monthly cashback for local grocery merchants
- 3% monthly cashback for online grocery merchants
Petrol
- 5% monthly cashback for all petrol stations
- Caltex: Up to 22.1% fuel savings
Land Transport
- 3% monthly cashback for local and overseas private hire
- 3% monthly cashback for local and overseas taxi
Bill Payment
- 3% monthly cashback on recurring electricity bills (e.g Geneco, Keppel Electric, Sembcorp Power, Senoko Energy, and Singapore Power)
- 3% monthly cashback on recurring telco bills (e.g. StarHub, Singtel, M1, MyRepublic, and Circles. Life)
Travel
- Online ticket purchases (air and cruise): 3% cashback monthly
- Online bookings (hotels and tours): 3% cashback monthly
3) Eligibility
- Age: 21 years old and above
- Citizenship: Singaporeans, PRs & Foreigners
- Minimum annual income: S$30,000 and above for Singaporeans and Singapore PRs, S$45,000 and above for foreigners
4) Fees & Charges
- Annual principal fee: S$196.20 (inclusive of GST)
- Supplementary card annual fee: S$97.20 (inclusive of GST)
- Late payment fees: S$100
- Repayment grace period: 23 calendar days from statement date
- Cash advance charges: S$15 or 8% of the amount drawn, whichever is higher.
- Overlimit fee: S$40, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds the customer’s combined credit limit on any day within the statement period, charged to the credit card with the earliest statement cycle and highest outstanding balance.
Frequently Asked Questions
Can you enjoy annual fee waiver for the OCBC 365 Credit Card?
- Yes, the annual fee for the OCBC 365 Credit Card of S$196.20 (inclusive of GST) is waived for the first 2 years. The same applies to the supplementary card annual fee of S$97.20 (inclusive of GST)
Who should apply for the OCBC 365 Credit Card?
- The OCBC 365 Card is ideal for regular spenders who pay for dining, food delivery, electricity and telco bills, rides, and fuel
What is the minimum income requirement for the OCBC 365 Credit Card?
- Minimum annual income:
S$30,000 and above for Singaporeans and Singapore PRs, S$45,000 and above for foreigners
Find out about the card's host of benefits, charges, promotions, and eligibility criteria below.
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Summary
OCBC 365 Credit Card
One of the most popular credit cards with cashback benefits perfect for everyday expenses, including local and online food delivery, groceries, ride-hailing services such as Grab, and recurring telco and electricity bills.
Product Page Transparency
- Pays to access additional features
1) Key Features
- 6% monthly cashback on online food delivery and all local and overseas dining
- 5% monthly cashback on fuel spend at all petrol stations
- 3% monthly cashback on groceries, land transport rides, streaming, EV charging, and utilities
- Minimum spend of S$800 per calendar month for Cashback capped at S$80 per calendar month
- Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver
2) Benefits
Dining
- 6% monthly cashback for local and overseas dining
- 6% monthly cashback for online food delivery
Grocery
- 3% monthly cashback for local grocery merchants
- 3% monthly cashback for online grocery merchants
Petrol
- 5% monthly cashback for all petrol stations
- Caltex: Up to 22.1% fuel savings
Land Transport
- 3% monthly cashback for local and overseas private hire
- 3% monthly cashback for local and overseas taxi
Bill Payment
- 3% monthly cashback on recurring electricity bills (e.g Geneco, Keppel Electric, Sembcorp Power, Senoko Energy, and Singapore Power)
- 3% monthly cashback on recurring telco bills (e.g. StarHub, Singtel, M1, MyRepublic, and Circles. Life)
Travel
- Online ticket purchases (air and cruise): 3% cashback monthly
- Online bookings (hotels and tours): 3% cashback monthly
3) Eligibility
- Age: 21 years old and above
- Citizenship: Singaporeans, PRs & Foreigners
- Minimum annual income: S$30,000 and above for Singaporeans and Singapore PRs, S$45,000 and above for foreigners
4) Fees & Charges
- Annual principal fee: S$196.20 (inclusive of GST)
- Supplementary card annual fee: S$97.20 (inclusive of GST)
- Late payment fees: S$100
- Repayment grace period: 23 calendar days from statement date
- Cash advance charges: S$15 or 8% of the amount drawn, whichever is higher.
- Overlimit fee: S$40, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds the customer’s combined credit limit on any day within the statement period, charged to the credit card with the earliest statement cycle and highest outstanding balance.
Frequently Asked Questions
Can you enjoy annual fee waiver for the OCBC 365 Credit Card?
- Yes, the annual fee for the OCBC 365 Credit Card of S$196.20 (inclusive of GST) is waived for the first 2 years. The same applies to the supplementary card annual fee of S$97.20 (inclusive of GST)
Who should apply for the OCBC 365 Credit Card?
- The OCBC 365 Card is ideal for regular spenders who pay for dining, food delivery, electricity and telco bills, rides, and fuel
What is the minimum income requirement for the OCBC 365 Credit Card?
- Minimum annual income:
S$30,000 and above for Singaporeans and Singapore PRs, S$45,000 and above for foreigners
Find out about the card's host of benefits, charges, promotions, and eligibility criteria below.
3.3
136 Reviews
Service Rating
Speed of Approval
Ease of Fee Waiver
Customer Support
High to Low
Posted 23 Aug 2021
Purchased
OCBC 365 Card
Super useful cashback card that you can stack with your OCBC 360 account. provides good amount of cashback. remember min. monthly spend.0
What are your thoughts?11 Aug 2020
Purchased
OCBC 365 Card
[Fee Waivers] Auto fee waiver if you are regular spender! Be sure to link with OCBC 360 account to reap the monthly interests!0
What are your thoughts?08 Jul 2020
Purchased
OCBC 365 Card
OCBC365 has quite a handful of merchants and petrol cash back which I can enjoy every month for my essential needs.0
What are your thoughts?08 Jul 2020
Purchased
OCBC 365 Card
I had a cashflo card primarily for insurance payment and i find that the cashback was pathetic. It was really fast to get this approved. The change in cashback and min spend makes it harder to meet, but always spend what you can afford.0
What are your thoughts?08 Jul 2020
Purchased
OCBC 365 Card
I certainly like the rebates $$ that help to offset some of my spending! Card application is normal speed, easy online bill payment!0
What are your thoughts?26 Jun 2020
Purchased
OCBC 365 Card
It is fast to get the approval of the card within a few days. Once you received the email of approval, they will provide you with the link to access the card number, expiry date and security code. You can immediately use your card without waiting for the physical card to be delivered. I find this is useful and seems is the first bank to do so? When you first time applies they reward you earned $50 dollar rebate without a trivial condition to be fulfilled like others bank. It is easy to waive off the annual fee, simply login to ibanking to submit a request. No call is needed. The good thing about this card is the cashback on 3% for recurring bill eg. telco bill and SP bill. 6% on dining as most of my expenses are on dining. You also get another 3% cashback on groceries. If you like to buy Taobao this is group under the Groceries category. The bad side of this card is the minimum spend was very high which is $800. Nothing much after OCBC 360 Account has removed the spending interest.0
What are your thoughts?24 Jun 2020
Purchased
OCBC 365 Card
365 is the best card for me. i get 23 % flat discount on Sinopec gasoline. Also I get so much discount for food. 6%. Also there's cashback when u use with ocbc 360caccount. Best.0
What are your thoughts?09 May 2020
Purchased
OCBC 365 Card
Easy apply and approve credit card. E-card was issued for online purchase in advanced before actual card got delivered. The card has good cashback when hitting spending target of 800 (actual cashback, not some points or voucher), but be careful some spending are not considered. Update 2020* Grabpay only eligible for 0.3%, so use direct CC for food/transport spending is recommend. In fact with the recent change of Grab policy, the point you obtained become same via GrabPay and CC On top of that, hitting spending of 500 allows additional interest if pair with 360 account. Good combo if you plan it well.0
What are your thoughts?02 May 2020
Purchased
OCBC 365 Card
It is a good credit card as i manage to receive $60-80almost every month, with the requirement of min $500. Unintentionally you will be tempted to spend more just to qualify. Recommended for those who spends > $500. Also they do charge annual fee on subsequent year, need to be mindful to call in to waive. I do not see a lot of perks offered by the merchants under OCBC. THe free insurance also seems like very vague as nobody could answer the coverage and claim process. [Cashback Card]0
What are your thoughts?Posted 26 Nov 2019
[Cashback Card] Coupled with my OCBC 360 account. A good cashback credit if able to meet the min spending.0
What are your thoughts?
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Learn more about the OCBC 365 Credit Card
Discover the exceptional benefits of the OCBC 365 Credit Cards. Earn cashback on dining, groceries, online spending, and recurring bills. Personalize your card, tap and go with contactless payments, and enjoy a host of exclusive privileges. Learn more about these rewarding credit cards and how they can enhance your everyday spending experiences
Product Information for OCBC 365 Credit Card
OCBC 365 Credit Card Benefits
Experience everyday rewards with the OCBC 365 Credit Card! Earn cashback on dining, groceries, online shopping, and bills. Tap & go with contactless payments and enjoy exclusive privileges. Discover OCBC 365 benefits now!
OCBC 365 Card Cashback Spend Tiers
To enjoy the full benefits of OCBC 365 Card with up to $160 in Cashback Cap, you should aim to hit the minimum spend of at least $1600.
Spend Tiers | Minimum Spend | Cashback Cap |
|---|---|---|
Tier 1 | $800 | $80 |
Tier 2 | $1600 | $160 |
OCBC 365 Credit Card Cashback Benefits
With the OCBC 365 Credit Card, earn cashback on dining, groceries, online spending, and bills. Do note that in order to enjoy the cashback rates stated above, you will have to hit the minimum spend of $800 or else, a flat 0.25% cashback rate is awarded.
Here is the full information on the amount of Cash Rebates you can enjoy with OCBC 365.
Cash Rebates Categories | Cash Rebate Amount | Additional Benefits |
|---|---|---|
Petrol | 6% | Save up to 22.92% on fuel at Caltex. (Excluding 18% instant discounts for all fuel). Save up to 21.04% on fuel at Esso. |
Dining | 5% | Valid for Local and Overseas Dining as well as Online Food Deliveries. |
Groceries | 3% | Valid for Local and Overseas Groceries as well as Online Groceries |
Land Transport | 3% | Valid for SimplyGo Bus and Train Rides, as well as Local and Overseas Private Hire rides and Taxi Rides. |
Pharmacy | 3% | Valid for purchases made at Guardian or Watsons |
Streaming | 3% | Valid for Streaming Services such as Disney+, Netflix, Apple Music and Spotify |
Utilities | 3% | Valid for Recurring bills from Telcos and Electricity Providers |
Eligibility for OCBC 365 Credit Card
Here are the eligibility requirements for you to sign up for an OCBC 365 Credit Card
Eligibility Type | Eligibility Requirements |
|---|---|
Minimum Age | 21 Years Old |
Annual Income for Singaporeans and PRs | $30,000 and above |
Annual Income for Foreigners | $45,000 and above |
Interest Rates and Fees for OCBC 365 Credit Card
Find out what are the interest rates and fees tied to the OCBC 365 Credit Card
Fee Type | Fee Amount |
|---|---|
Annual Fee for Principal Card | $194.40 inclusive of 8% GST a year (Waived for first 2 years) |
Annual Fee for Supplementary Card | $97.20 inclusive of 8% GST a year (Waived for the first 2 years) |
Minimum Spend for Automatic Waiver of Annual Fee | $10,000 annual spend starting from the month card is issued |
Foreign Currency Transaction Fee | 3.25% |
Minimum Payment | $50 or 3% of Total Balance, whichever is higher, plus any overdue amount |
Late Payment Charge | $100 |
Interest on Cash Advance | 28.92% |
Interest On Purchases | 25.92% |
Interest Free Repayment Period | 23 Days |
Other Information about OCBC 365 Credit Card
Miscellaneous Information | Details |
|---|---|
Supported Payment Type | Apple Pay, Google Pay, Samsung Pay |
Credit Card Types | Visa Signature |
How to best use the OCBC 365 Credit Card?
Earn More Rewards with the Right Cashback Category Spend
Take advantage of the cashback categories offered by the card. Use the card for dining, groceries, online shopping, and recurring bills to earn higher cashback rates on these everyday expenses.
Flexible Cashback Cap for All Spending Categories
The OCBC 365 credit card offers a generous cashback policy, unrestricted by specific categories. Unlike other cards, it doesn't limit your cashback cap to particular spending areas. You have the freedom to maximize cashback by focusing on a single category if that suits your preferences. This flexibility allows you to earn more cashback for the categories you frequently spend on, making it advantageous for those utilizing multiple cashback cards to boost their earnings. If you reach the minimum spend of S$800, you'll enjoy an S$80 cashback cap, but big spenders can unlock even more with an S$1,600 minimum spend, earning an impressive S$160 cashback!
Clock Up Regular Spend Easily With Recurring Bills
Pay your recurring bills, such as telco and utility bills, using the OCBC 365 Credit Card to earn cashback. This allows you to earn rewards on essential monthly expenses.
Pay For Your Friends When You Dine Out
Use the card when dining at restaurants, cafes, or food outlets to earn cashback on your meals. The higher cash back rate for dining expenses makes it an excellent choice for foodies.
Use SimplyGo When You Need To Get Around
Utilize the contactless payment feature of the card to make quick and secure transactions with just a tap. This offers convenience and speeds up the checkout process.
Take Charge of Your Family’s Grocery Spend
Make it a habit to use the OCBC 365 Credit Card for grocery purchases. You can earn cashback on your grocery bills, making it a rewarding choice for regular shopping trips.
Connect with OCBC for Personalized Assistance and Exceptional Service
Telephone: +65 6363 3333
Email: You can write to them at this website address here.
You can also write a physical letter to them addressed to:
OCBC Bank
65 Chulia Street
#01-00
OCBC Centre
Singapore 049513
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