OCBC Titanium Rewards Card
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Summary
OCBC Titanium Credit Card
The rewards credit card that gives you better rewards and greater flexibility when you shop, with up to 10 times the amount of OCBC$ for every S$1 spent in certain retail categories.
OCBC Titanium Rewards Credit Card Promotions
Singsaver Exclusive Promotion: Receive an Apple AirPods Pro 2nd Gen (worth S$362.35) or a Hinomi H1 Classic V3 with headrest (worth S$459) or S$280 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$421.90), or S$350 eCapitaVoucher or S$250 Cash via PayNow
- Promotion is valid for new OCBC credit card holders only
- Spend at least S$500 on eligible purchases within 30 days of card approval
- Promotion is valid until 1 October 2023
- Terms and Conditions. Click here
OCBC Titanium Card Promotion: Earn 15x OCBC$ (equivalent to 6 air miles) per S$1 spent for the first 3 months on eligible online and retail purchases at Lazada, Shopee, Amazon, Apple and more
Promotion Criteria:
- Promotion is valid for new OCBC credit card holders only
- Apply and get approved for the OCBC Titanium Rewards card to be eligible for rewards
- Eligible merchants: Lazada, Shopee, Amazon, Apple, Alibaba, AliExpress, Courts, Daigou, Ezbuy, IKEA, Mustafa Centre, Qoo10, and Taobao
- Rewards paid out as 25 OCBC$ per S$5 spent on eligible transactions
- Rewards capped at 10,000 OCBC$ per month
- Promotion is valid until 30 September 2023
- Terms and Conditions apply
Card Features & Details
1) Key Features
- 10 OCBC$ (or 4 air miles) for every S$1 spent in certain retail categories, online and in-store
- Instant approval when applying using Myinfo which allows you to use your digital card right away.
- 2% rebate on all purchases made at Best Denki, on top of the 10 OCBC$ per S$1 spent
2) Benefits
OCBC$
- Unlimited base OCBC$ at 1 OCBC$ for every S$1 spent
- 9 additional OCBC$ for qualifying transactions
- Up to 120,000 bonus OCBC$ a year which will reset each year in the month that your card was issued/renewed
OCBC Rewards
- Redeem your OCBC$ (25,000 OCBC$ for 10,000 air miles) for air miles to use
- $10 cash rebate by using 3,600 OCBC$
STACK Marketplace
- Exchange your OCBC$ for vouchers from popular retailers as well as products and experiences
3) Eligibility
- Age: 21 years old and above
- Citizenship: Singaporeans, PRs & Foreigners
- Minimum annual income:
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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
- Your minimum payment amount will be calculated as:
undefinedundefined - 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 Titanium Credit Card?
- Yes, the annual fee for the OCBC Titanium 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$97.20 (inclusive of GST)
Who should apply for the OCBC Titanium Credit Card?
- The OCBC Titanium Credit Card is ideal for regular spenders who pay for dining, food delivery, electricity and telco bills, rides and fuel
What is the minimum income requirement for the OCBC Titanium Credit Card?
- Minimum annual income:
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Summary
OCBC Titanium Credit Card
The rewards credit card that gives you better rewards and greater flexibility when you shop, with up to 10 times the amount of OCBC$ for every S$1 spent in certain retail categories.
OCBC Titanium Rewards Credit Card Promotions
Singsaver Exclusive Promotion: Receive an Apple AirPods Pro 2nd Gen (worth S$362.35) or a Hinomi H1 Classic V3 with headrest (worth S$459) or S$280 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$421.90), or S$350 eCapitaVoucher or S$250 Cash via PayNow
- Promotion is valid for new OCBC credit card holders only
- Spend at least S$500 on eligible purchases within 30 days of card approval
- Promotion is valid until 1 October 2023
- Terms and Conditions. Click here
OCBC Titanium Card Promotion: Earn 15x OCBC$ (equivalent to 6 air miles) per S$1 spent for the first 3 months on eligible online and retail purchases at Lazada, Shopee, Amazon, Apple and more
Promotion Criteria:
- Promotion is valid for new OCBC credit card holders only
- Apply and get approved for the OCBC Titanium Rewards card to be eligible for rewards
- Eligible merchants: Lazada, Shopee, Amazon, Apple, Alibaba, AliExpress, Courts, Daigou, Ezbuy, IKEA, Mustafa Centre, Qoo10, and Taobao
- Rewards paid out as 25 OCBC$ per S$5 spent on eligible transactions
- Rewards capped at 10,000 OCBC$ per month
- Promotion is valid until 30 September 2023
- Terms and Conditions apply
Card Features & Details
1) Key Features
- 10 OCBC$ (or 4 air miles) for every S$1 spent in certain retail categories, online and in-store
- Instant approval when applying using Myinfo which allows you to use your digital card right away.
- 2% rebate on all purchases made at Best Denki, on top of the 10 OCBC$ per S$1 spent
2) Benefits
OCBC$
- Unlimited base OCBC$ at 1 OCBC$ for every S$1 spent
- 9 additional OCBC$ for qualifying transactions
- Up to 120,000 bonus OCBC$ a year which will reset each year in the month that your card was issued/renewed
OCBC Rewards
- Redeem your OCBC$ (25,000 OCBC$ for 10,000 air miles) for air miles to use
- $10 cash rebate by using 3,600 OCBC$
STACK Marketplace
- Exchange your OCBC$ for vouchers from popular retailers as well as products and experiences
3) Eligibility
- Age: 21 years old and above
- Citizenship: Singaporeans, PRs & Foreigners
- Minimum annual income:
undefinedundefined
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
- Your minimum payment amount will be calculated as:
undefinedundefined - 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 Titanium Credit Card?
- Yes, the annual fee for the OCBC Titanium 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 Titanium Credit Card?
- The OCBC Titanium Credit 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 Titanium Credit Card?
- Minimum annual income:
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📣 SIGN-UP BONUS
Receive an Apple AirPods Pro 2nd Gen (worth S$362.35) or a Hinomi H1 Classic V3 with headrest (worth S$459) or S$280 eCapitaVoucher or S$250 Cash via PayNow, plus a chance to win a Dyson Airwrap™ multi-styler (Complete) worth S$859 on top of existing offers
Valid till 01 Oct 2023. T&Cs apply.
3.5
24 Reviews
Service Rating
Speed of Approval
Ease of Fee Waiver
Customer Support
Most Helpful
Posted 12d ago
Purchased
OCBC Titanium Rewards Card
Applied for retail purchases to get the 10x OCBC$ points scheme. However, after spending 5K, I only received 5K points which is 1:1, equivalent to 0.4mpd. I've verified all purchases are within eligible MCC. It's a scam0
What are your thoughts?Posted 22 Feb 2022
Purchased
OCBC Titanium Rewards Card
A useful card for highly specialized spends to earn 4mpd. Good for large transactions since the cap on bonus OCBC$ is an annual cap. Might want to check on MCCs online before proceeding with high-value transactions to avoid disappointment. Can also own both blue and pink versions if required.0
What are your thoughts?Posted 30 Oct 2021
Purchased
OCBC Titanium Rewards Card
Customer support is excellent when you finally can connect and get through. Impossible to call in as the wait time is too long. Forget about calling in, even if urgent.0
What are your thoughts?Posted 23 Aug 2021
Purchased
OCBC Titanium Rewards Card
My go to card for shopping on electronics and fashion to get 4mpd. A must have for all miles chasers, especially with the annual (not monthly) cap0
What are your thoughts?22 May 2021
Purchased
OCBC Titanium Rewards Card
DO NOT use ocbc credit cards! They move forward your statement due date and are super inflexible with waivers (even if only 1 day late AND before the original due date!) I got charged $100 late fee only a $100 bill! This is how they earn money, not through providing proper services!0
What are your thoughts?17 Apr 2021
Purchased
OCBC Titanium Rewards Card
Only signed up for the KrisFlyer bonus miles. Limited promotions and redemptions available. Low earning rates.0
What are your thoughts?03 Jan 2021
Purchased
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.0
What are your thoughts?15 Dec 2020
Purchased
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.0
What are your thoughts?Posted 20 Nov 2019
Purchased
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 flights0
What are your thoughts?Posted 16 Nov 2019
Purchased
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, $192.60/year moving forward - Not aware of any rewards for paying the fee. Fee waiver can be requested via the IVR/online Purpose: Rewards card meant for shopping, similar to Citi Rewards/HSBC Revolution/Amex Capitacard etc promising 10x rewards/dollar spend on eligible shopping categories. Rewards do not expire. Transfer: No fees for transferring to Krisflyer. Min Blocks for transfer = 25000 points which equate to 10,000 krisflyer miles Key points to note: 1. OCBC does not provide a rewards statement so it's hard to understand when 10x has been granted or not. I had to call customer service a few time and request them to manually credit the additional 9x for individial transactions which are time consuming. 2. While OCBC claims the rewards are for all online/offline shopping, this is not strictly true. Instead it only covers eligible transactions corresponding to certain MCC codes which are in their Terms and Conditions and not available readily otherwise. I have had a major purchase of 800 dollars for a mattress online declined because it did not correspond to an eligible MCC. hence I have resorted to calling OCBC before every major purchase to confirm if a transaction qualifies as MCC codes are not readily available otherwise. Promotions: Occasionally OCBC will run promotions on 10x rewards on other categories such as dining etc although I have missed these out. Customer Service: I have generally had positive experiences with OCBC customer service and found agents t o be helpful. However, recently there seems to be constant high volumes when calling in. Would love a chat option but not currently available.0
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Learn more about the OCBC Titanium Rewards Credit Card
Discover the OCBC Titanium Rewards Credit Card - your key to rewarding shopping experiences! Earn OCBC$ rewards on every purchase, online or in-store, and enjoy exclusive offers. Experience the convenience of contactless payments and elevate your shopping game today.
Product Information for OCBC Titanium Rewards Credit Card
OCBC Titanium Rewards Credit Card Benefits
Unleash shopping rewards with the OCBC Titanium Rewards Credit Card! Explore the exciting benefits in the following sections and elevate your shopping experience like never before.
Here are 3 main ways the OCBC Titanium Rewards Card Can Benefit You
- Redeem Cash Rebates with your OCBC$
- Redeem your OCBC$ for Vouchers
- Exchange your OCBC$ for Air Miles
How Much OCBC$ Rewards Points Can You Earn?
Discover the abundance of OCBC$ rewards points that you can earn. With the OCBC Titanium Rewards Card, you stand to earn up to 10x OCBC$ rewards points (equivalent to 4 air miles) per $1 spent on eligible categories.
Merchant Category Code (MCC) | Category Spend | OCBC$ Earn Rate |
|---|---|---|
MCC 5311 | Departmental Stores | 10x OCBC$ |
MCC 5611 | Men’s and Boy’s Clothing and Accessories Stores | 10x OCBC$ |
MCC 5621 | Women’s Ready to Wear Stores | 10x OCBC$ |
MCC 5631 | Women’s Accessory and Speciality Stores | 10x OCBC$ |
MCC 5641 | Children’s and Infants’ Wear Stores | 10x OCBC$ |
MCC 5651 | Family Clothing Stores | 10x OCBC$ |
MCC 5661 | Shoe Stores | 10x OCBC$ |
MCC 5691 | Men’s and Women’s Clothing Stores | 10x OCBC$ |
MCC 5691 | Computers, Peripherals, and Software | 10x OCBC$ |
MCC 5045 | Electronics Stores | 10x OCBC$ |
MCC 5732 | Miscellaneous Apparel and Accessory Shops | 10x OCBC$ |
MCC 5699 | All Other Eligible Spends | 1x OCBC$ |
Shop at These Merchants To Enjoy Bonus OCBC$ on Your Purchases
Unlock 10x bonus OCBC$ rewards on your purchases at these top merchants!
Merchants | OCBC$ Earn Rate |
|---|---|
Alibaba | 10x OCBC$ |
AliExpress | 10x OCBC$ |
Amazon | 10x OCBC$ |
Courts | 10x OCBC$ |
Daigou | 10x OCBC$ |
Ezbuy | 10x OCBC$ |
IKEA | 10x OCBC$ |
Lazada | 10x OCBC$ |
Mustafa Centre | 10x OCBC$ |
Qoo10 | 10x OCBC$ |
Shopee | 10x OCBC$ |
Taobao | 10x OCBC$ |
Eligibility for OCBC Titanium Rewards Credit Card
Below are the eligibility criteria to apply for an OCBC 365 Credit Card
Eligibility Type | Eligibility Requirements |
|---|---|
Minimum Age | 21 Years Old |
Annual Income | $30,000 and above |
Minimum Annual Spend | $10,000 in one year from date of issue |
Interest Rates and Fees for OCBC Titanium Rewards Credit Card
Find out what are the interest rates and fees tied to the OCBC Titanium Rewards Credit Card
Fee Type | Fee Amount |
|---|---|
Annual Fee for Principal Card | $194.40 (Waived for the first 2 years) |
Annual Fee for Supplementary Card | $97.20 |
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 | $100 |
Interest on Cash Advance | 28.92% |
Interest On Purchases | 26.88% |
Interest Free Repayment Period | 23 Days |
Other Information about OCBC Titanium Rewards Credit Card
Miscellaneous Information | Details |
|---|---|
Supported Payment Type | Apple Pay, Google Pay, Samsung Pay |
Credit Card Types | World Mastercard |
Things to Note When Using the OCBC Titanium Rewards Card
Cap on bonus spend per year
There is a cap of 120,000 OCBC$ cap on bonus spend per year. So if you are a big spender, do keep track of your spending with the OCBC Titanium Rewards Card.
OCBC$ rewards points are awarded per $5 blocks
Due to the way the rewards system is structured, you will have to pay extra attention to your transactions as OCBC$ points earned are rounded down to the nearest $5. So if your transaction is worth $99, then you will only be earning OCBC$ for only $95 of your transaction.
Subsequent annual fee waiver requires a minimum annual spend of $10,000
In order to qualify for a fee waiver after the first 2 years, you will have to rack up a total spend of minimum $10,000 per year.
How to best use the OCBC Titanium Rewards Credit Card?
Maximize Your Online Shopping Rewards
Use the OCBC Titanium Rewards Credit Card for online purchases at eligible merchants to earn higher OCBC$ rewards. Keep an eye out for promotions and bonus rewards for specific online retailers to get the most out of your online shopping.
Focus on Bonus Categories for Extra Rewards
Pay attention to bonus categories where you can earn extra OCBC$ rewards. These may include fashion, electronics, travel, or dining. Plan your spending accordingly to maximize rewards in these specific categories.
Consolidate Everyday Spending for Faster Accumulation
Utilize the OCBC Titanium Rewards Credit Card for all your everyday expenses, including groceries and dining, to accumulate OCBC$ points faster. This way, you can earn rewards on the necessities of daily life.
Redeem Strategically for Maximum Value
Monitor your OCBC$ balance regularly and redeem rewards strategically. Choose rewards that align with your interests and lifestyle, whether it's vouchers, gifts, or miles, to make the most of your points.
Plan for Big Purchases and Special Occasions
If you have significant expenses coming up, such as travel or major purchases, time them with promotional periods or bonus rewards categories to earn more OCBC$ on these transactions.
Check OCBC$ Expiry and Redeem Promptly
Be aware of the OCBC$ expiry date and redeem your points before they expire to ensure you get the most value from your rewards and avoid losing any earned points.
Connect with OCBC for Personalized Help and Excellent 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
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.
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