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OCBC Titanium Rewards Card

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  • Reviews (18)
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Credit Cards/OCBC Titanium Rewards Card
Credit Cards/OCBC Titanium Rewards Card


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OCBC Titanium Rewards Card

10 OCBC$ per dollar spent


0.4 Miles per OCBC$


OCBC Titanium Rewards Card

10 OCBC$ per dollar spent


0.4 Miles per OCBC$



OCBC Titanium Rewards Card Review 2021

  • 10x OCBC$ for every S$1 spent in retail or online stores
  • 10x OCBC$ for spending locally and overseas
  • e-Commerce protection
  • 2% cash rebate at BEST Denki
  • Instant approval

Find out about the card's host of benefits, charges, promotions and eligibility criteria below.

Read More about OCBC Titanium Rewards Card
Reviews (18)


18 Reviews

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      Updated on 03 Jan 2021


      OCBC Titanium Rewards Card

      Good but not so good card. Earn 4MPD for department store, bag store shoes store, mostly good for shopping. But once use at the wrong place, you can only earn 0.4MPD which is pathetic. There is card better than this and serve the same purpose, eg, DBS WWC / Citi reward. [Fee Waivers] So far 2nd year waiver no issue, probably because spend more than $10k per year. This year will try again since less spending on this card.



      Updated on 15 Dec 2020


      OCBC Titanium Rewards Card

      [Promotions and Perks] To redeem even a cheap perks, need to accumulate a huge amount of points. Point system is absolute rubbish. Not attractive too, can forget about this. [Fee Waivers] Was charged an annual service fee. Called in and request for a fee wavier. The customer service said I didn't use this card for some time, and the spending is close to zero. And was below their minimum spending limit thus unable to waive off the service fee. Finally I got to their higher superior and manage to waive off the fee after a lot of persuasion. Took me quite a big amount of time and effort. [Others] If you are a big user on credit cards, please go ahead and apply this. If not, please AVOID THIS.



      Posted on 20 Nov 2019


      OCBC Titanium Rewards Card

      Overview: TR card awards you 10X for shopping spend – local, overseas, online and offline. Pros: Most shopping merchants are covered under the eligible MCC codes. No monthly cap, cap is on a yearly basis. To further increase the cap, one can apply for both the pink and blue card to get double the cap. Complimentary use of JetQuay Quayside for quick showers before/after a flight. The card also provides e-commerce protection for online purchases that were not delivered – which many people are not aware of. Cons: It is tough to determine which merchant has which MCC code for it to be eligible for the 10X reward, have to ask the merchant which MCC code does it have. Only 10X reward on shopping category and occasionally a bonus on other categories, though not frequent. Redemption partners quite limited. Overall: is a good card to earn 4 miles per dollar and accelerate your way to redeeming flights



      Posted on 16 Nov 2019


      OCBC Titanium Rewards Card

      Sign Up: Applied for this online, smooth sign up process. Fast approval for foreigners and mailed the card within 2 weeks Activation: Via SMS Fees: First 2 years fee waiver, $192.60/year moving forward - Not aware of any rewards for paying the fee. Fee waiver can be requested via the IVR/online Purpose: Rewards card meant for shopping, similar to Citi Rewards/HSBC Revolution/Amex Capitacard etc promising 10x rewards/dollar spend on eligible shopping categories. Rewards do not expire. Transfer: No fees for transferring to Krisflyer. Min Blocks for transfer = 25000 points which equate to 10,000 krisflyer miles Key points to note: 1. OCBC does not provide a rewards statement so it's hard to understand when 10x has been granted or not. I had to call customer service a few time and request them to manually credit the additional 9x for individial transactions which are time consuming. 2. While OCBC claims the rewards are for all online/offline shopping, this is not strictly true. Instead it only covers eligible transactions corresponding to certain MCC codes which are in their Terms and Conditions and not available readily otherwise. I have had a major purchase of 800 dollars for a mattress online declined because it did not correspond to an eligible MCC. hence I have resorted to calling OCBC before every major purchase to confirm if a transaction qualifies as MCC codes are not readily available otherwise. Promotions: Occasionally OCBC will run promotions on 10x rewards on other categories such as dining etc although I have missed these out. Customer Service: I have generally had positive experiences with OCBC customer service and found agents t o be helpful. However, recently there seems to be constant high volumes when calling in. Would love a chat option but not currently available.



      Posted on 16 Nov 2019


      OCBC Titanium Rewards Card

      I use this card for fashion shopping as it gives me 10x points for fashion retail shopping. For other purchases it allows me to collect ocbc$ as well which I can accumulate and redeem for shopping vouchers or miles points. Waiver of annual fee was easy and convenient as well. I called OCBC and it was waived on the spot



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      The OCBC Titanium Rewards Card

      OCBC Titanium Rewards Card

      New to credit cards? Here's your complete guide to cashback credit cards.

      Eligibility for OCBC Titanium Rewards Card

      To be eligible for the OCBC Titanium Rewards Card, you'll have to meet the following criteria:

      • Be at least 18 years old
      • For Singaporeans and PRs: Minimum annual income of $30,000
      • For foreigners: Minimum annual income of $45,000

      Fees and Charges for OCBC Titanium Rewards Card

      • Annual Principle Fee: $192.60 (First 2 years waived)
      • Annual Supplementary Card fee: $96.30 (First 2 years waived)
      • Interest-Free Period: 23 days
      • Annual Interest Rate: 26.88%
      • Minimum monthly payment: 3% or $50, whichever is higher
      • Late payment charge: $100
      • Cash advance fee: 6% or $15, whichever is higher
      • Administration Fee: S$150 to accelerate payment of automatic instalments

      Key Features and Benefits of OCBC Titanium Rewards Card

      These are some highlights of the OCBC Titanium Rewards Card and the cashback benefits to offer. The following Merchant Category Codes (MCC) will allow you to obtain 10x OCBC$

      Eligible Merchant Category Codes (MCC)

      Store Type

      MCC 5311

      Departmental stores

      MCC 5611

      Men's and boy's clothing and accessories stores

      MCC 5621

      Women's ready to wear stores

      MCC 5631

      Women's accessories and specialities stores

      MCC 5641

      Children's and infant's wear stores

      MCC 5651

      Family clothing stores

      MCC 5661

      Shoe stores

      MCC 5691

      Men's and Women's clothing stores

      MCC 5045

      Computers, peripherals, and software

      MCC 5732

      Electronic stores

      MCC 5699

      Miscellaneous apparel and accessory shop

      Online stores

      • Alibaba
      • AliExpress
      • Amazon
      • Courts
      • Daigou
      • Ezbuy
      • IKEA
      • Lazada
      • Mustafa Centre
      • Qoo10
      • Shopee
      • Taobao

      OCBC Titanium Rewards Cards - 10x OCBC$

      Benefits of OCBC$ when you spend with OCBC Titanium Rewards Card

      Benefits OCBC$ Benefits

      What You'll Get

      For 25,000 OCBC$

      Redeem: 10,000 KrisFlyer Miles

      For 18,000 OCBC$

      Redeem: S$50 Titanium cash

      For 10,500 OCBC$

      Redeem: S$30 ESSO Synergy voucher

      For 7,000 OCBC$

      Redeem: S$20 NTUC FairPrice voucher

      For 3,500 OCBC$

      Redeem: S$10 ROBINSONS voucher

      For 1,750 OCBC$

      Redeem: S$5 Zara bill offset

      OCBC$ Benefits

      Terms and Conditions of OCBC Titanium Rewards Card

      • MCC is assigned by the payment card organisations (eg. Visa, AMEX), not OCBC Bank
      • A merchant might have more than one MCC for eg. a merchant registered as an electronic store and financial institution
      • OCBC$ will not be awarded for these transactions: Utility payment, Wire Transfer Money Order (WTMOs), Direct marketing insurance services, spending for schools, insurance, tax payments, fine review, bail and bond payments etc.
      • Maximum OCBC$ earned from spending in eligible MCC is 120,000 OCBC$/annum
      • All transactions made thereafter will only earn 01 x OCBC$ per S$1 spend

      About OCBC

      The Overseas-Chinese Banking Corporation, Limited - or OCBC Bank - is headquartered in Singapore. Its inception in 1932 was the result of a merger of three local banks. As the second-largest bank in Southeast Asia, the multinational banking and financial services has assets of close to $468 billion. It has an Aa1 rating from Moody's, and an AA-rating from Standard & Poor's.

      At present, the bank has over 570 branches across 18 countries and regions. Its services range from commercial banking and specialist financial and wealth management to asset management, stockbroking, insurance and treasury services.

      Still unsure? Find out everything you need about credit cards - including what the best credit cards in Singapore are for miles and cashback, factors to consider before getting one, fees to know, and why a good credit score matters.

      You can also pose questions (anonymously, if you'd prefer) on the Seedly Q&A platform.