OCBC 365 Credit Card

S$196.20/yr (1st yr waived)(S$196.2)

Should this item rank higher or lower?

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OCBC 365 Credit Card, issued by [OCBC Bank Singapore](/entity/ocbc-bank) in Singapore, earns up to 6% cashback/rebate paired with S$320 cash via MoneySmart/SingSaver or Dyson accessory bundle (valid through 2026-12-31).

Source: OCBC Bank Singapore

OCBC 365 Credit Card, issued by OCBC Bank Singapore in Singapore, earns up to 6% cashback/rebate paired with S$320 cash via MoneySmart/SingSaver or Dyson accessory bundle (valid through 2026-12-31).

Key Metrics

Specifications

IssuerOCBC Bank Singapore

Local Miles RateCashback-focused

Overseas Miles RateCashback-focused

Headline CashbackUp to: 6%

Monthly Spend CapS$1,600/mo

Sign-Up BonusS$320 cash via MoneySmart/SingSaver or Dyson accessory bundle

Annual Fee (GST incl.)S$196.20 (First 2 years waived)

FX Fee3.25%

Pros and Cons

Pros

6% fuel, 5% everyday dining & food delivery, and 3% groceries, land transport, utilities & EV charging
Up to S$80/mo cashback cap at S$800 spend or S$160/mo at S$1,600 spend
Counts toward OCBC 360 Account bonus interest

Cons

Drops to 0.25% base cashback if S$800 monthly minimum spend is missed
Subject to OCBC Bank Singapore Singapore Key Facts Sheet & campaign T&Cs

Eligibility

MAS minimum income S$30,000/yr for Singaporeans/PRs
S$800 qualifying spend
6-month new-to-bank rule

Things to Watch Out For

Drops to 0.25% base cashback if S$800 monthly minimum spend is missed
Subject to OCBC Bank Singapore Singapore Key Facts Sheet & campaign T&Cs

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