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Credit Cards

OCBC 365 Credit Card

The true every day card that earns cashback every where, every day

  • 6% cashback on everyday dining
  • 3% cashback on groceries, land transport, online travel, telco and electricity
  • Up to 24.6% fuel savings at Caltex (Till 30 September 2019)
  • Up to 20.4% fuel savings at Esso (Till 31 December 2019)
  • 0.3% cashback on everything else
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Terms and Conditions



Sign up for your OCBC 365 Credit Card via MyInfo and S$50 is yours. Just like that.

No minimum spend. No gimmicks.

Apply by 30 September 2019. Only valid for new OCBC Credit Card applicants.


Terms and Conditions


Earn qoo10 coupons as you spend

From now to 20 September 2019, get ready to grab the following Qoo10 coupons every Friday, from 10am onwards for extra savings!

    • Grab a S$5 coupon, valid for use when you spend a minimum of S$35. Limited to first 500 redemptions per week.
    • Grab a S$10 coupon, valid for use when you spend a minimum of S$80. Limited to first 250 redemptions per week.


How it works

Earning Cashback


6% on:

  • Local and overseas dining, everyday

  • Online food delivery

More Details. 



3% on:

  • Online air and cruise tickets purchase

  • Online Hotel and Tour bookings (e.g. Agoda and Airbnb)

More Details. 



  • 5% on fuel spend at all petrol service stations locally and overseas

  • Up to 24.6% fuel savings at Caltex (Till 30 September 2019) 

  • Up to 20.4% fuel savings at Esso (Till 31 December 2019) 

More Details. 



3% on:

  • Local and overseas private hire rides (e.g. ComfortDelGro, Ofo and Ryde)

  • Local and overseas taxi

More Details. 


3% on:

  • Local and overseas groceries

  • Online groceries

More Details. 



3% on:

  • Recurring telco bills
    (e.g. SingTel, StarHub, M1)

  • Recurring electricity bills
    (e.g. Sembcorp Power and Senoko Energy)

More Details. 



  • 0.3% on all other spending

More Details. 


Spend a minimum of S$800 based on posted transactions in a calendar month.

Posting date refers to the date when OCBC Bank receives the transaction details from the merchant/retailer that you make a transaction at. This may differ from your transaction date. Please refer to FAQs for more details.

If you spend less than S$800, a flat 0.3% cashback is awarded. Cashback amount is capped at S$80 per calendar month.

Card Benefits

Complimentary Travel Insurance of Up To S$500,000

Simply charge your round-trip air/sea/land travel tickets to your OCBC 365 Credit Card, and you will get up to S$500,000 complimentary Travel Personal Accident Insurance and up to S$400 coverage for Baggage Loss (more than 48 hours).

Terms and Conditions


The Visa Signature Concierge is available 24 hours a day, 7 days a week to help you with your lifestyle needs.

Visa Signature Privilege

Visa Concierge Services

Take advantage of a host of services available to you over the phone or online, 24 hours a day from anywhere in the world.

Find out more 

Visa Luxury Hotels

Enjoy complimentary upgrades and other VIP privileges at participating luxury boutiques hotels and resorts.

Find out more 

Visa Checkout - The Easier Way To Pay Online

Enjoy exclusive movie ticket offers when you book online here with Visa Checkout.

Find out more

Before you apply

Am I Eligible?

You must be aged 21 and above.
Singaporeans & Singapore PRs:
Minimum annual income of S$30,000.
Minimum annual income of S$45,000.

Fees & Charges

Annual Fees

Principal Card
S$192.60 a year (Free for first 2 years). To earn an annual fee waiver for your OCBC 365 Credit Card, you must spend a minimum of at least S$10,000 in one year, starting from the month after your OCBC 365 Credit Card was issued. 

Supplementary Card
S$96.30 a year (Free for first 2 years)

Interest Fees

26.88% p.a.

For more information on Fees & Charges for Credit Card, please refer to https://www.ocbc.com/assets/pdf/cards-fee-charge.pdf


What do I need to prepare

For Singaporean/Singapore PR:

Salaried employees:

  1. Your NRIC

  2. Latest month CPF contribution history statement or latest computerised/electronic payslip and latest income tax Notice of Assessment

    These documents may be retrieved at the branch with a valid SingPass


Self-Employed, Commissioned or Variable income earners:

  1. Your NRIC

  2. Latest Income Tax Notice of Assessment OR Latest 12 months' CPF Contributions

    These documents may be retrieved at the branch with a valid SingPass

For foreigners:
  1. Your Passport

  2. Employment Pass (at least 6 months validity)

  3. Latest computerised/electronic payslip and latest income tax Notice of Assessment OR original company letter certifying employment and salary