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.
OCBC 365 Credit Card Promotions
Singsaver Exclusive Promotion: Receive 1x Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65) or 1x Apple AirPods Pro Gen 2 + MagSafe Charger Bundle (worth S$421.90) or S$350 eCapitaVoucher or S$250 Cash via PayNow, plus a chance to win a Dyson Airwrap™ multi-styler (Complete) worth S$859 on top of existing offers
OFFER 1: FLASH DEAL: Snag a Dyson Airwrap™ multi-styler (Complete) (worth S$859)
Promotion Criteria:
- Be among the first 10 applicants of any participating OCBC/SCB products at 12pm and 3pm daily get a Dyson Airwrap™ multi-styler (Complete) (worth $859). This offer can be stacked on top of ongoing promotions for all participating products.
- Flash Deal promotion is valid until 1 October 2023
- Terms and Conditions. Click here
OFFER 2: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65), or an Apple Bundle [AirPods Pro (Generation 2) + MagSafe Charger] (worth S$421.35), or S$350 eCapitaVoucher or S$250 Cash via PayNow
Promotion Criteria:
- Promotion is valid for new OCBC credit card holders only
- Spend at least S$500 on eligible purchases within 30 days of card approval
- Promotion is valid until 1 October 2023
- Terms and Conditions. Click here
1) Key Features
- 6% monthly cashback on fuel spend at all petrol stations
- 5% monthly cashback on online food delivery and all local and overseas dining
- 3% monthly cashback on groceries, land transport rides, pharmacies, streaming, EV charging, and utilities
- Minimum spend of S$800 per calendar month for Cashback capped at S$80 per calendar month
- Minimum spend of S$1,600 per calendar month for cashback capped at S$160 per calendar month
- Otherwise, 0.3% cashback on all other transactions
2) Benefits
Dining
- 5% monthly cashback for local and overseas dining
- 5% monthly cashback for online food delivery
Grocery
- 3% monthly cashback for local grocery merchants
- 3% monthly cashback for online grocery merchants
Petrol
- 6% monthly cashback for all petrol stations
- Caltex: Up to 22.92% fuel savings
- Esso: Up to 21.04% fuel savings
Land Transport
- 3% monthly cashback for local and overseas private hire
- 3% monthly cashback for local and overseas taxi
Pharmarcy
- 3% cashback monthly for all purchases made at pharmacies such as Guardian or Watson
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
Others
- 0.3% cashback on all other transactions
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$194.40 (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 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$194.40 (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.
OCBC 365 Credit Card Promotions
Singsaver Exclusive Promotion: Receive 1x Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65) or 1x Apple AirPods Pro Gen 2 + MagSafe Charger Bundle (worth S$421.90) or S$350 eCapitaVoucher or S$250 Cash via PayNow, plus a chance to win a Dyson Airwrap™ multi-styler (Complete) worth S$859 on top of existing offers
OFFER 1: FLASH DEAL: Snag a Dyson Airwrap™ multi-styler (Complete) (worth S$859)
Promotion Criteria:
- Be among the first 10 applicants of any participating OCBC/SCB products at 12pm and 3pm daily get a Dyson Airwrap™ multi-styler (Complete) (worth $859). This offer can be stacked on top of ongoing promotions for all participating products.
- Flash Deal promotion is valid until 1 October 2023
- Terms and Conditions. Click here
OFFER 2: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65), or an Apple Bundle [AirPods Pro (Generation 2) + MagSafe Charger] (worth S$421.35), or S$350 eCapitaVoucher or S$250 Cash via PayNow
Promotion Criteria:
- Promotion is valid for new OCBC credit card holders only
- Spend at least S$500 on eligible purchases within 30 days of card approval
- Promotion is valid until 1 October 2023
- Terms and Conditions. Click here
1) Key Features
- 6% monthly cashback on fuel spend at all petrol stations
- 5% monthly cashback on online food delivery and all local and overseas dining
- 3% monthly cashback on groceries, land transport rides, pharmacies, streaming, EV charging, and utilities
- Minimum spend of S$800 per calendar month for Cashback capped at S$80 per calendar month
- Minimum spend of S$1,600 per calendar month for cashback capped at S$160 per calendar month
- Otherwise, 0.3% cashback on all other transactions
2) Benefits
Dining
- 5% monthly cashback for local and overseas dining
- 5% monthly cashback for online food delivery
Grocery
- 3% monthly cashback for local grocery merchants
- 3% monthly cashback for online grocery merchants
Petrol
- 6% monthly cashback for all petrol stations
- Caltex: Up to 22.92% fuel savings
- Esso: Up to 21.04% fuel savings
Land Transport
- 3% monthly cashback for local and overseas private hire
- 3% monthly cashback for local and overseas taxi
Pharmarcy
- 3% cashback monthly for all purchases made at pharmacies such as Guardian or Watson
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
Others
- 0.3% cashback on all other transactions
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$194.40 (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 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$194.40 (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.
📣 SIGN-UP BONUS
Receive 1x Apple iPad 9th Gen 10.2" WiFi 64GB (worth S$503.65) or 1x Apple AirPods Pro Gen 2 + MagSafe Charger Bundle (worth S$421.90) or S$350 eCapitaVoucher or S$250 Cash via PayNow, plus a chance to win a Dyson Airwrap™ multi-styler (Complete) worth S$859 on top of existing offers
Valid till 01 Oct 2023. T&Cs apply.
3.3
134 Reviews
Service Rating
Speed of Approval
Ease of Fee Waiver
Customer Support
Most Helpful
Posted 9d ago
Purchased
OCBC 365 Card
Dinning rebate is nerfed to 5% but total rebate cap is increased to 160. Might be useful to those with high dinning cost0
What are your thoughts?Posted 13 Jan 2023
[Fee Waivers] Automated in app and over call. Waiver granted for late charges but not interest charges. [Customer Service] In app email via secure mailbox is very slow. although they auto replied will reply within 3-5 business days, it has been 2 weeks with no reply. Automated hotline was more pleasant than others, with ability to skip message. Speech was also fast0
What are your thoughts?Posted 20 Nov 2022
Purchased
OCBC 365 Card
Very worst service, please don't sign up. They will never waive your late fee at any cost. Late fee $100, if you never pay and asked them to waive-off in the meantime they will put another late charge $100. Worst, worst, worst bank0
What are your thoughts?Posted 08 Nov 2022
Purchased
OCBC 365 Card
It is bad, don't sign up. Impossible to get annual fee waived. Customer Service non-existant and impossible to reach, does not even have Chat function.0
What are your thoughts?Posted 14 Sep 2022
Purchased
OCBC 365 Card
The card was mailed to my mailing address very fast and timely, I signed up for the card at a Promotion and there was a bonus cashback for the first month minimum spend of $10. Good offer and the first year Annual Fee waived however the second year onwards Annual Fee will apply.0
What are your thoughts?Posted 19 Jun 2022
Purchased
OCBC 365 Card
Don’t ask me why, if the review is bad. It’s bad. I will not sign up ever again. Don’t waste your time. UOB wave your fees at ease. Not this bank…period.0
What are your thoughts?Posted 11 May 2022
Purchased
OCBC 365 Card
reasonable cashback card, but too many categories to keep track off, and high minimum spending is required.0
What are your thoughts?Posted 22 Dec 2021
Purchased
OCBC 365 Card
Customer support for fee waiver is good and auto. However, the card itself provides very little benefits. Rebates are not as significant as before. Can use as just a normal credit card.1
What are your thoughts?Reply
Save
Posted 14 Nov 2021
Purchased
OCBC 365 Card
Used to be a good credit card due to enticing interest rate BUT lots of changes to the ways you can earn interest, it's much more difficult now - read up before you apply for it.0
What are your thoughts?Posted 11 Oct 2021
Purchased
OCBC 365 Card
Most useless rebates card. Used to be good with 6/7% rebates, now the card is completely useless. Best decision to cancel the card0
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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Dinning rebate is nerfed to 5% but total rebate cap is increased to 160