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    OCBC 365 Credit Card Review

    If you are looking for a great cashback credit card, look no further than the OCBC 365 Card! This card gives you cashback on your regular, everyday spends. You get 6% cashback on weekend dining in Singapore and on Caltex petrol purchases, 5% cashback on fuel transactions at other petrol stations, 3% cashback in categories such as weekday dining in Singapore, all-week dining outside the island, supermarket purchases, online shopping and recurring bills from M1, SingTel and StarHub, and 0.3% cashback on other transactions made on the card. If you are a trustee for a Child Development Account, then you can also get 3% cashback on medical expenses such as dental or medicine clinic visits, hospitals or cord blood banking.

    However, the catch is that you can earn only up to S$80 per month as cashback and you need to spend at least S$600 per month to get this cashback. While it is hardly difficult to meet the minimum spend criteria, the cashback cap might seem too low compared to some other cards available in Singapore.

    If you think the annual fee of S$192.60 (which is waived for the first two years, by the way) is too much, think of all the extra privileges the card is offering. From Visa Signature Concierge Services and Luxury Hotel deals to free travel insurance of up to S$200,000, this cashback card gives you much more than you expect.

    Highlights of OCBC 365 Credit Card

    • Avail 6 percent cashback on all your dining spends
    • Get lucrative discounts at Madame Tussauds Singapore, Gardens by the Bay and Singapore Zoo
    • Watch your favourite movies at Golden Village and Shaw Theatres and avail special discounts

    OCBC 365 Credit Card Features & Benefits

    • Avail 6 percent cashback on all your weekend dining
    • Get 3 percent cashback for all the overseas dining and weekday dinings locally
    • You can avail a 3 percent cashback on all the bills of telecommunications and grocery
    • Enjoy a 3 percent cashback on all your online spends, including travel, fashion, movie tickets, etc.
    • At select petrol stations you can save substantially up to 18.3 percent
    • The cashback is applicable with a minimum expenditure of SGD 600 every month. However it is capped to a limit of SGD 80 per month. Even if you spend lesser than SGD 600 using your OCBC 365 Credit Card, you still get awarded with a cashback of 0.3 percent
    • You can avail four movie tickets at Golden Village buy paying for three only
    • Get a discount of SGD 1 on all the movie tickets on weekends and weekdays when you buy the movie package worth SGD 26 at Shaw theatre
    • Enjoy a 10 percent discount at Huang Ah Ma, Masego and The Oriental Spa Chamber. You can also avail great discounts of up to 30 percent when you buy tickets to the Singapore Zoo, Gardens by the Bay, Madame Tussauds Singapore, etc.
    • The Priority Pass feature with this card allows you to enjoy complimentary access to more than seven hundred VIP airport lounges
    • Enjoy 25 percent to 35 percent discount on the membership fee of the priority pass4
    • Avail complimentary breakfast, complimentary late check out, best rates when you book your hotels using this credit card
    • Buy beauty products of your choice from Luxola.com and get 20 percent off on those purchases

    OCBC 365 Credit Card Fees & Charges

    The applicable fee structure for OCBC 365 credit cards is given below:

    Principal Cards

    • An annual fee of S$192.60 is chargeable.
    • First 2 year’s annual fee is waived.
    • For subsequent fee waiver, you must have minimum annual spend of S$5,000.

    Supplementary Cards

    • For each supplementary card, a fee of S$96.30 is chargeable.
    • Enjoy a waiver on the first 2 year’s annual fee.

    Interest free Period

    If there are no charges that are carried forward from the previous month the you can avail an interest free period for 24 days calculated from the date of the statement

    Interest on Purchases

    If the full payment is not cleared within the due date then an interest of 25.92 percent is charged annually. The minimum charge is SGD 2.50 every month and it is calculated from the date of the transaction till the whole payment is made.

    Cash Advance Fee

    The cash advance fee is 6 percent of the withdrawn amount or SGD 15, whichever is more.

    Late Payment Charges

    If the minimum balance is not paid then the bank charges SGD 60 as late payment charges.


    You may apply for an OCBC 365 Credit Card if you fulfill the following pre-requisites:

    • You are 21 years or above
    • Your have a minimum annual income of S$30,000 (for Singaporeans or Singapore Permanent Residents) / S$45,000 and above (for foreign nationals).

    OCBC 365 Credit Card Rewards

    Cashback takes on a whole new meaning with the OCBC 365 Credit Card. Earn cashback on various lifestyle activities like dining, shopping, fuel, groceries, telecom bills nda host of other expenses.

    What you should do if your OCBC 365 Credit Card is Lost/Stolen?

    If you wish to report a lost or stolen credit card, all you’ve got to do is contact the bank’s hotline number 1800 363 3333.

    You will need to inform the bank about the loss or theft of your credit card, following which the bank will block your credit card. But in order to do so, you will have to verify certain details with the bank – proof of identity by verifying your date of birth and other relevant details, and proof of ownership of your credit card by mentioning your card details and information on the most recent transactions performed using your card.

    If any unauthorised transactions have taken place before you’ve informed the bank, you case will be investigated and you will be penalized if the bank proves that you have acted fraudulently. The penalty for a lost/stolen credit card is S$100.

    Other Credit Cards offered by OCBC

    There a diverse range of credit cards offered by OCBC to meet an equally diverse range of requirements. Listed below are some of the most popular OCBC Bank.

    • OCBC Platinum Credit Card
    • OCBC Voyage Card
    • OCBC Plus Credit Card
    • OCBC Great Eastern Cashflo Credit Card
    • OCBC Robinsons Group Credit Card
    • OCBC NTUC Plus! Credit Card
    • OCBC Titanium Credit Card
    • Frank Credit Card
    • OCBC BEST Denki Credit Card
    • OCBC Arts Credit Card
    • OCBC Cashflo Credit Card

    Read More Related to Credit Cards:

    OCBC 365 Credit Card FAQs

    What is the age requirement to applying for OCBC 365 Credit Card?

    To apply for OCBC 365 Credit Card, one must be 21 years old or above.

    What is the annual fee charged on the OCBC 365 Credit Card?

    The annual fee for holding on to an OCBC 365 Credit Card stands at $192.60 p.a. The fee for first two years is waived off. You must spend a minimum of at least S$10,000 in one year using the card to qualify for the waiver.

    What are the cashback rates across dining and travelling on the OCBC 365 Credit card?

    OCBC 365 Credit Card provides 6% cashback on weekend dining plans in the city, while 3% cashback on weekdays, for dining plans made both within the city and overseas.

    What the primary benefits of the OCBC 365 Credit Card?

    The primary benefits of the OCBC 365 Card include:

    • You can get up to S$200,000 complimentary Travel Personal Accident Insurance and up to S$400 coverage for Baggage Loss by using your card.
    • To help you with your lifestyle needs, the card makes Visa Signature Concierge available 24 hours a day, 7 days a week.

    What is the late payment fee applicable on the OCBC 365 Credit Card?

    The late payment fee associated with the card stands at S$100.


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