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. Unlike fixed-category cards, its rotating category selection lets cardholders match the bonus rate to wherever they actually spend the most each month, rather than being locked into a merchant list set by the bank.