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OCBC Rewards Card
How it earns
- 4 mpd on fashion, department stores and major online marketplaces (Shopee, Lazada, Amazon, Taobao and others), up to about S$1,110 a month
- 0.4 mpd on everything else
What it earns on typical spending
| Spending profile | Earns a year | Net of fee | Rank |
|---|---|---|---|
| Everyday S$2,000/mo | 21,984 miles | S$134 | 25 of 27 |
| Eats out a lot S$2,050/mo | 18,000 miles | S$74 | 25 of 27 |
| Frequent traveller S$3,570/mo | 29,520 miles | S$247 | 26 of 27 |
| Family with a car S$3,050/mo | 30,960 miles | S$268 | 25 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 | Miles card · Mastercard |
|---|---|
| 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$45,000 (foreigners) |
| Rewards currency | OCBC$ (25,000 OCBC$ = 10,000 KrisFlyer miles) |
| How points are counted | Per S$5 block per transaction |
| Expiry | OCBC$ expire after 24 months |
| Converting to miles | KrisFlyer: 25,000 OCBC$ = 10,000 miles. |
| Foreign-currency fee | 3.25% |
Good to know
- Supermarkets (MCC 5411) earn no bonus.
- A promotion to 31 Mar 2027 adds more at Watsons, Shopee, Lazada, TikTok Shop and Taobao; not counted here.
Common questions
What is the annual fee on the OCBC Rewards?
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 Rewards?
S$30,000 (citizens & PRs) · S$45,000 (foreigners).
How much will I earn with the OCBC Rewards?
On a typical S$2,000 a month of everyday spending, about 21,984 miles a year (≈ S$330 at 1.5¢ a mile), or S$134 after the annual fee. That ranks it 25 of 27 cards we track. Your own spending can change this a lot.
What is the foreign-currency fee on the OCBC Rewards?
3.25% on transactions in a foreign currency.
Sources
Checked against the issuer's own pages on 27 Oct 2026:
- https://www.ocbc.com/personal-banking/cards/rewards-card
- https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/cards/tnc-ocbc-rewards-card-and-titanium-rewards-creditcard-programme-wef-1nov23.pdf
Terms change often. Always confirm rates, caps and fees on OCBC's own page before applying. Found something out of date? Tell us.