OCBC 365 Platinum Card

The OCBC 365 Platinum Card provides 5% cashback on four flexible categories of choice including groceries, utilities, petrol, and dining, with a 1% base rate on other purchases and no annual fee. This yields an effective cashback of 3.5-4% depending on your category mix, outperforming #4 Citibank Cashback's flat 1.5% rate by over 2 percentage points. Unlike fixed-category cards, OCBC's rotating flexibility covers about 70% of typical monthly spend, verified via OCBC's April 2026 website.