OCBC Credit Card – How To Apply Online and Get Cashback Everywhere


Are you on the lookout for a credit card to maximize your daily rebates regarding daily spending but without an annual fee to pay? If so, the OCBC 365 Card is the best option available on the market today. With a good cashback reward percentage on dining and food delivery, groceries, bills, and much more, this card will earn you money while you get the essentials. 

The OCBC 365 Card covers a lot of categories, and it isn’t restricted to only some merchants like most competitors are. It comes with the highest cashback rewards on the market. Even while paying bills and getting fuel, it allows you to make money. 


This new credit card from OCBC has many benefits and features waiting for you, so join and discover them. Here, we will discuss the fees and rates and a guide on how to apply for this useful year-round card.

OCBC Credit Card – How To Apply Online and Get Cashback Everywhere

Benefits of OCBC Credit Card

The 365 Card by OCBC is the best on the market with everyday guaranteed cashback for an average consumer. As a cardholder, you earn 3% back on anything spent in any supermarket on groceries. You also get 3% on land transportation and online booking for travel. You could even get this amount back on recurring telco or electricity bills. For petrol, you get 5% back and 23% if you are using it at Caltex. For dining and food deliveries, the cash rebate is 6%.


In order to access these rates, the cardholder must spend at least S$800 every month, but with simple math this adds up to S$80 monthly in cashback or S$960 every year, making it worth your while. The cashback is credited on your OCBC 365 Card in the following month.

Using this Visa Card also offers some exclusive privileges, such as movie tickets offers and online books available. 

Another benefit of the OCBC 365 Credit Card is the complimentary travel insurance. This personal insurance plan consists of a total amount up to S$200,000 in case of a personal accident while traveling. 

Overall, the ratings for this credit card are excellent when used for bill payment, dining, petrol, and cashback, according to cardholders. For groceries and buffet promotion, there is still room for improvement, but the 2-year waiver fee for your principal card covers up that loss. 

Fees and Rates

The annual fee for a principal card is S$192.60, with a fee waiver available depending on your annual income and other criteria. These criteria can be checked out with a bank representative or by reading the terms and conditions. Obtaining a supplementary card will cost you S$96.30 annually. The interest-free period is 23 days with an annual interest rate of 26.88%. 

Regarding late payment fees, you will be charged S$100 monthly with a minimum monthly repayment of 3% or S$50, depending on which one is higher. The annual fees are waived for 2 years.

It is also required that you spend a minimum of $10,000 in one year in order to keep your benefits regarding cashback.

There is no foreign check fee, but their foreign currency fee for transactions is 3.25%, no matter the currency you are using. 

How to Apply

Applying for an OCBC 365 Credit Card is very easy and quick. After going through an eligibility test, you can apply directly using this link. Simply fill in the required details and continue with the process.

The main requirements regarding eligibility is age and annual income. You must be 21 years or older and have a minimum annual income of S$30,000 if you are a Singapore Citizen or S$45,000 if you are a foreigner. 

If you prefer a more human approach to this, you can also contact the bank and schedule an appointment or go directly to this page and find yourself the closest branch.

OCBC Credit Card – How To Apply Online and Get Cashback Everywhere

Contact Information

OCBC can be contacted using the following methods.

Personal Banking

Call 6363 3333 (24-hour)

Calling from overseas? Dial +65 6363 3333

Premier Banking

Call 1800 Premier (1800 773 6437)

OCBC Bank, 65 Chulia Street, #01-00, OCBC Centre, Singapore 049513

They can also be reached using this online form. Wait for a representative to contact you during business hours.

Note: There are risks involved when applying for and using credit cards. Consult the bank’s terms and conditions page for more information.