OCBC

OCBC 365 Credit Card

Cashback1st year fee waived

How it earns

From 1 Nov 2026, with S$800+ a month: 6% on dining (incl. delivery), supermarkets, land transport (bus/MRT, taxis, ride-hailing) and petrol
3% at Watsons (to 31 Mar 2027)
0.25% on everything else
Cashback capped at S$160 a month

What it earns on typical spending

Spending profile	Earns a year	Net of fee	Rank
Everyday S$2,000/mo	S$871	S$674	2 of 27
Eats out a lot S$2,050/mo	S$1,128	S$932	1 of 27
Frequent traveller S$3,570/mo	S$759	S$563	15 of 27
Family with a car S$3,050/mo	S$1,431	S$1,235	2 of 27

Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.

See what it earns on your spending

Key facts

Type	Cashback card
Annual fee	S$196.20 incl. GST
Fee waiver	First two years waived; auto-waived with S$10,000 spend in a year.
Minimum income	S$30,000 (citizens & PRs) · S$45,000 (foreigners)
Rewards currency	SGD cashback
How points are counted	Monthly total, rounded to the cent
Expiry	—
Foreign-currency fee	3.25%

Good to know

New terms take effect 1 Nov 2026; telco, utilities and streaming drop to 0.25%.
Below S$800 in a month, everything earns 0.25%.

Common questions

What is the annual fee on the OCBC 365?

S$196.20 a year including GST, waived for the first year. First two years waived; auto-waived with S$10,000 spend in a year.

What income do I need for the OCBC 365?

S$30,000 (citizens & PRs) · S$45,000 (foreigners).

How much will I earn with the OCBC 365?

On a typical S$2,000 a month of everyday spending, about S$871 cashback a year, or S$674 after the annual fee. That ranks it 2 of 27 cards we track. Your own spending can change this a lot.

What is the foreign-currency fee on the OCBC 365?

3.25% on transactions in a foreign currency.

Sources

Checked against the issuer's own pages on 27 Oct 2026:

Terms change often. Always confirm rates, caps and fees on OCBC's own page before applying. Found something out of date? Tell us.