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    We found 1 OCBC 365 Credit Card for Cashback: Reviews
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    OCBC 365 Credit Card for Cashback: Reviews
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    OCBC 365 Credit Card for Cashback: Reviews

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    The OCBC 365 Credit Card makes life in Singapore a little more rewarding. It gives you numerous cashback offers when you use it to pay for your expenses, including 6% when you dine out on weekends. Also get 3% cashback when you dine overseas, dine locally on weekdays, shop online, spend on groceries, telco bills, and more. The card also gives you a 5% cashback on fuel purchases. This card is best suited to people who want to earn cashback on all their daily spends.

    OCBC 365 Card: Cashback Offers & Features

    Offer Detail
    Cashback on Dining 6% on Weekend & 3% on Weekday for Local & Overseas
    Cashback on Online Shopping 3%
    Cashback on Grocery 3%
    Cashback on Telecom Bills 3%
    Cashback on Petrol 5%
    Cashback for Child Development Account holders (CDA) 3% on over-the-counter medical bills
    Cashback on all Other Retail Spends 0.3%

    Up to 6% Cashback on Dining

    Love dining out in Singapore? If you do, then make use of the OCBC 365 Credit Card to get 6% cashback when you use it to pay for your local weekend dining spends, as well as a 3% cashback when you dine out on weekdays. You also get a cashback of 3% when you pay for eating out when you travel abroad. Keep in mind that the cashback reward applies only when you dine at places that fall under the “Dining” category in Singapore. This includes Restaurants (including fast food places), cafes, and caterers. However, this reward will not apply at pubs that are classified as “Drinking Places”. In addition to this, you also need to place the orders in person to get the cashback. Any order you place through mail or via telephone will not be eligible for any reward.

    3% Cashback on Online Shopping

    Love updating your wardrobe from time to time but feel that it’s an expensive activity? The OCBC 365 Credit Card gives back 3% of the amount you spend on online fashion. Along with this, it also gives you the same rate of cashback on online spends related to travel, telco bills, Grab rides, and movie tickets, among others. Online shopping just became that much more fun.

    3% Cashback on Grocery Spends

    Groceries are a daily necessity, things that you can’t do without. When you spend on these types of needs, you often don’t think of getting any reward for it, probably because these are casual buys and are very frequent. With the OCBC 365 Credit Card giving you a 3% cashback on each grocery purchase you make at supermarkets all over the island, your monthly expenses reduce by that much. A card that rewards you for every day, seemingly mundane spends? Who would’ve thought?

    5% Cashback on Fuel Purchases

    If you own a vehicle in Singapore, fuel probably eats away a good portion of your monthly budget. Owning a car here is expensive enough, and to top it, fuel isn’t exactly cheap here either. But with this card, you can enjoy the benefit of getting 5% of your expense as cashback when you fuel-up at any of the petrol stations in the country. Added to this, you can save up to 23% of your bill at Caltex petrol stations.

    Additional Benefits

    • Round-the-clock Visa Concierge Services.
    • Up to 23% discount at Caltex and up to 18.3% discount at Esso on fuel purchases
    • Additional Visa Signature Benefits including privileges at luxury hotels such as VIP Guest Status, complimentary continental breakfast, best rate available, and more.
    • Get up to S$200,000 complimentary travel insurance.
    • Enjoy unlimited promotional offers with this card. Check out the latest offers and deals on our dedicated OCBC promotions page.

    Calculate Cashback Earn from OCBC 365 Card

    • Charge a minimum of $600 each calendar month to your card to be eligible for accelerated cashback.
    • Get cashback at a flat rate of 0.3% for monthly spends below S$600.
    • Get a cashback of up to S$80 per month.

    Let us assume that you have charged S$910 to your card in a month. The table below shows the cashback amount you can earn for different spend categories:

    Spend category Monthly spend Cashback Cashback earned
    Weekday dining S$150 3% S$4.50
    Weekend dining S$250 6% S$15
    Petrol S$80 5% S$4
    Online Shopping S$110 3% S$3.30
    Groceries S$100 3% S$3
    Recurring telco bills SS150 3% S$4.50
    Other Expenses S$70 0.3% S$0.21
    Total S$910   S$34.51

    Complimentary Travel Insurance Coverage

    Book your flight tickets using your 365 Credit Card and enjoy complimentary travel insurance. Here is a table showing the coverage you will be eligible for different incidents:

    Incident Coverage
    Travel Personal Accident Insurance Up to S$200,000
    Baggage Loss Up to S$400
    Baggage Delay Up to S$200
    Delayed flight or Missed flight Up to S$200
    Overseas Medical Expense Reimbursement Up to S$500
    Who All Will Be Covered by the Insurance?
    • Complimentary travel insurance is available for principal and supplementary cardholders aged 65 or less only.
    • Coverage will only be available for trips that don’t last beyond 30 days at a stretch.

    OCBC 365 Card Interest Rates & Other Fees

    Types Rates
    Retail Purchases 25.92% p.a.
    Cash Advance 28.92% p.a. on the amount withdrawn
    Instalment Payment Plan 0%
    Annual Fee $192.60 a year (2-year fee waiver)
    Overseas Transaction Fee 1% Currency conversion charge imposed by Visa 1.8% bank administrative fee imposed by OCBC
    Late Payment Fee S$100
    Cash Advance Fee S$15 or 6% of the amount withdrawn, whichever is greater
    Supplementary Card Fee $96.30 a year (2-year fee waiver)

    Eligibility

    This card may be an everyday-use card, but is it meant for you? Find out here by checking your eligibility before applying.

    Activating the Card for Overseas Use

    • Yes, you have to activate the magnetic stripe of your card if you wish to use it at POS terminals abroad.
    • You have to activate the overseas cash withdrawal feature, too.
    • This feature of your card can be activated through any one of the following channels:
      • OCBC online banking
      • The bank’s website
      • Any OCBC branch
      • Phone banking service

    Instalment Payment Plans

    OCBC offers its members the option of paying for their credit card purchases through monthly instalments known as PayLite. It has the following features:

    • You can use the plan for all local and overseas participating merchants.
    • Split your card purchases of S$100 or more into fixed monthly instalments for up to 24 months.
    • A one-time processing fee will be charged that starts from 3% of the transaction amount.
    • Apply for this plan through online banking, by submitting an online form or by calling the bank.

    Cash Withdrawn on Credit Card

    • Up to S$1,000 can be withdrawn per transaction from an OCBC ATM.
    • Up to S$20,000 can be withdrawn per day from an OCBC ATM.
    • The overseas ATM withdrawal limit may vary.

    Cash can be borrowed through your card in any one of the ways:

    In Singapore:

    • Withdraw cash from an OCBC ATM.
    • Borrow cash over the counter at an OCBC branch.
    • Call the bank’s dedicated helpline.

    Outside Singapore:

    • Withdraw cash from an ATM with a Visa or Mastercard logo.
    • Visit a bank branch affiliated to Visa or Mastercard.
    • Call the bank’s dedicated overseas helpline.

    Lost/Stolen Card

    • Report the incident to the bank without unnecessary delay. Call the bank’s hotline to get a replacement card.
    • File a police report and submit a copy of the same to the bank, if asked to.
    • Submit a statutory declaration to the bank confirming the incident and providing necessary details, if asked to. Provide supporting documents too, wherever applicable.
    • Your liability for unauthorised transactions will be limited to S$100, provided:
      • You weren’t complicit in the crime.
      • You weren’t negligent.
      • You cooperated with the bank fully during its independent investigations into the incident.

    Check out our website and view the full range of cards offered by top banks in Singapore. You can also use our credit card comparison page to find a card that suits your specific financial needs.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Through GIRO

    • Apply for GIRO through Online Banking or Mobile Banking.
    • Select the billing organisations to make payments.
    • The applications will be sent to the organisations. It can take up to 14 days for approval.

    To terminate the GIRO facility, choose from the following options:

    • Call the bank
    • Mobile Banking
    • Online Banking
    • Visit a bank branch

    How to Apply for the Card & Check the Application Status?

    Apply Online and Follow Up With the Bank

    Apply for this credit card by visiting the card’s main webpage and click on the dedicated “Apply Now” button. Before you apply, ensure that you meet the necessary eligibility criteria in terms of age and income. You can enquire about your application status by calling at the 24/7 hotline number.

    How to Check Balance?

    Through Online Banking/Phone Banking/Mobile Banking/SMS Banking

    You can check balance for your credit card account in one of the following ways:

    • Online Banking
    • Mobile Banking
    • Phone Banking
    • SMS Banking

    How Can the Bill Be Paid?

    Through Online or Phone Banking/Cash/Cheque/ATMs/FAST/CDM/AXS/NETS/CashCard

    The bills for this credit card can be paid through the following means:

    • OCBC ATMs
    • Online Banking
    • Phone Banking
    • Through cheques
    • Using Interbank GIRO
    • Through AXS Stations
    • Using NETS or CashCard
    • Using cash payment at OCBC Bank branches
    • Through Internet Banking service of other banks
    • Through FAST Funds Transfer from online banking platform of another participating bank
    • OCBC Cash Deposit Machine (CDM)

    How Much Is the Minimum Payment to Be Made on the Card?

    3% of the Outstanding Balance or Min S$50

    You have to make a minimum payment standing at 3% of the outstanding balance along with any overdue sum, in case your account has outstanding amount within credit limit. This is subject to a minimum fee of S$50.

    What Is the Grace Period?

    23 days

    If you completely cleared all the previous dues outstanding for your card, you can make use of an interest-free period of 23 calendar days. This is calculated starting from the day your credit card statement is generated.

    Which Mobile Wallets Can This Card Be Used With?

    Apple Pay/Samsung Pay/Google Pay/Fitbit Pay/Garmin Pay

    The following mobile wallets can be used in conjugation with your credit card:

    • Apple Pay
    • Samsung Pay
    • Google Pay
    • Fitbit Pay
    • Garmin Pay

    Can It Be Used With EZ-Link?

    Yes

    You can use this credit card as an EZ-Link card. The EZ-Link card is automatically topped up, and it will be charged to your OCBC credit card.

    How to Block or Unblock the Card?

    Call the Bank

    If your credit card is lost or stolen, you must inform the bank immediately by calling at the 24/7 hotline number. Call the same number to unblock the card.

    How to Reset the PIN?

    Through Online or Mobile Banking

    You can reset the PIN for your credit card by employing one of the following means:

    • Online Banking
    • Mobile Banking
    • Phone Banking

    What Is the Billing Cycle and the Bill Due Date?

    Your monthly statement usually indicates the billing cycle and the payment due date. The billing cycle is determined based on the number of working days for the month under consideration. Besides, it would vary from one cardmember to another.

    Your monthly statement usually indicates the billing cycle and the payment due date. The billing cycle is determined based on the number of working days for the month under consideration. Besides, it would vary from one cardmember to another.

    How to Get a Replacement Card?

    • If you lost your credit card or it was stolen, contact the bank for a card replacement.
    • There might be certain terms and conditions associated with replacement of your credit card.
    • The bank might issue you a replacement for your card at its own discretion, complying to the terms and conditions attached.
    • You may be charged a replacement fee.

    How to Temporarily Increase the Limit of the Card?

    Through SMS Banking/Call the Bank

    You can call and place a request with an OCBC customer service officer for temporarily increasing your credit limit. The bank will only approve this request for the following purposes:

    • Hospitalisation
    • Medical reasons
    • Wedding banquets
    • Travel
    • Funeral.

    Alternately, you can request for a temporary credit limit increase through SMS Banking.

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