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    We found 1 OCBC Titanium Rewards Blue Credit Card for Shopping online,overseas & local & Earn 10x Rewards:Review
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    Credit Card BYTES FROM OUR KITCHEN

    OCBC Titanium Rewards Blue Credit Card for Shopping online,overseas & local & Earn 10x Rewards:Review

    updated April,2018

    This card offers up to 10x OCBC$ on shopping locally and overseas, with option to redeem the points for miles and shopping vouchers. Some of the highlights are:

    • The card was rebranded and reintroduced recently with additional benefits.
    • Get 10 OCBC$ for every S$1 spent locally or overseas on the following categories (both online and offline):
      • Clothes
      • Bags
      • Shoes
      • Departmental stores
      • Kids wear
      • Electronics
      • Gadgets
    • Enjoy an annual fee waiver for the first two years. Charge transactions worth at least S$10,000 in a year to your card, for subsequent years, to get an annual fee waiver.

    Best suited for: Individuals who shop frequently.

    Key Features & Benefits

    Features Description
    Annual fee S$192.60 (first two years’ fee waived)
    Reward points on children’s wear – locally and overseas 10 OCBC$ for every S$1 spent
    Reward points on clothes, bags, and shoes – locally and overseas 10 OCBC$ for every S$1 spent
    Reward points on departmental stores – locally and overseas 10 OCBC$ for every S$1 spent
    Reward points on electronics and gadgets – locally and overseas 10 OCBC$ for every S$1 spent
    All other retail purchases – locally and overseas 1 OCBC$ for every S$1 spent
    Complimentary travel insurance Not available

    Additional Benefits?

    • Enjoy coverage of up to S$200 annually against non-delivery of items or defective items purchased online. Take a look at some of the terms and conditions applicable to this e-Commerce protection plan:
      • The purchased item must be worth at least US$50.
      • It only applies to items purchased online with the OCBC Titanium Rewards Card.
      • A claim can be made if either of the following happens:
        • The order isn’t received within 30 days of the scheduled delivery.
        • Only a portion of the order is received within 30 days of the scheduled delivery.
      • A claim will be considered valid only if the seller has failed to refund the bill amount within 2 months of the scheduled delivery date.
      • A claim will also be considered if defective products have been dispatched and no refund has been initiated within 2 months of delivery either by the seller or the courier.
    • Enjoy OCBC’s LoungeKey that gives you access to over 800 airport lounges at just US$27 per visit per individual.
    • Enjoy complimentary access to JeyQuay Quayside (single-trip service) along with a companion travelling on the same flight. This offer is valid till 31 October 2018.
    • Enjoy a range of attractive promotional offers with this card.

    Earn Rewards when Spend on Shopping

    • Earn 10 OCBC$ per S$1 spent locally and overseas on clothes, bags, shoes, departmental stores, kids wear, electronics, and gadgets.
    • Earn 1 OCBC$ per S$1 spent on all other retail purchases, locally and overseas.
    • The reward points under the 10x OCBC$ programme are capped at 120,000 OCBC$ a year. Subsequent transactions will earn 1 OCBC$ for every S$1 spent.
    • Under the 10x OCBC$ reward programme, 1 OCBC$ will be credited to your account in the month of the transaction. The remaining 9 OCBC$ will be credited by the end of following calendar month.
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    Let Us Illustrate:

    Spend category Yearly spend Points earned (OCBC$) Equivalent miles (KrisFlyer Miles)
    Gadgets (purchased online in Singapore) S$2,000 20,000 8,000
    Electronics S$2,000 20,000 8,000
    Shopping at departmental stores S$3,000 30,000 12,000
    Clothes, bags, and shoes S$2,500 25,000 10,000
    Shopping for Children’s wear S$1,500 15,000 6,000
    Other retail purchases S$10,000 10,000 40,000
    Total   120,000 OCBC$ 84,000 KrisFlyer Miles

    Redeem Earned Reward Points

    You can redeem your reward points for air miles, Titanium cash, fuel vouchers, and shopping vouchers. You can visit OCBC’s website to view the complete rewards catalogue.

    Interest Rate

    Type of Interests Charge
    Retail purchases 25.92% p.a.
    Cash advance 28.92% p.a.
    Instalment payment plan 0%

    What Other Charges are Levied?

    Type of charge Charge
    Overseas transaction fee 1.8% bank’s administrative fee plus 1% fee charged by card network
    Late payment fee S$100
    Cash advance fee 6% of the withdrawal amount or S$15, whichever amount is higher
    Supplementary card fee S$96.30 (waiver for first two years)

    Eligibility Criteria

    Before you envision your shopping spree with this card, make sure you’re eligible for it. You can check your eligibility here.

    Activating the Card for Overseas Use

    • Yes, the magnetic stripe of your card has to be activated for non-EMV POS transactions.
    • It is kept in the deactivated state, by default, for security reasons.
    • Activate your card for overseas use through any of the following channels:
    • Online banking
    • SMS banking
    • The bank’s website

    Instalment Payment Plans

    0% Interest Instalment Plan

    • Convert your card purchases into interest-free, monthly instalments.
    • Spread your payment over 6, 12, 24, or 36 monthly instalments.
    • Register a purchase worth at least S$300 in a single charge slip to activate the plan.
    • The plan can be used only when you shop at select merchants.

    PayLite

    • Convert all your retail purchases, worth S$100 or more, into interest-free monthly instalments.
    • Your payment can be spread over 24 monthly instalments.
    • A one-time processing fee, starting at 3%, will apply.

    Cash Withdrawn on Credit Card

    • The withdrawal amount depends on the credit limit available to you.
    • The interest charge on cash advance transactions is applicable from the date the transaction is posted until the date it is settled in full.
    • Up to S$1,000 per transaction and up to S$10,000 per day can be withdrawn.
    • Overseas withdrawals may have different limits.

    Card Lost/Stolen

    If your card is lost or stolen, you must notify the bank immediately. You can report card loss/theft to OCBC by calling their 24-hour customer service hotline. In case of any unauthorised charges on your card, your liability will be limited to S$100. However, you will have to prove that you took all possible steps to ensure the safety of your card.

    Compare several credit cards instantly and find the best credit card offers on our website. With the help of a quick comparison, you can choose a card depending on your financial needs and spending pattern.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Set up GIRO payment

    Fill up the Interbank GIRO form for credit card payment for either full bill payment or the minimum payment. Deductions of the specified amount will be made automatically every month from the bank account mentioned in the form.

    How to Apply for the Card & Check the Application Status

    Online or in person

    You can apply for this card on the bank’s website, or at any of its Singapore branches. You can call OCBC to track the status of your application

    How to Check Balance

    SMS/mobile/online/phone banking

    You can check all your transactions and credit card balance through the following methods:

    • SMS banking
    • Phone banking
    • Mobile banking
    • Internet banking

    How Can the Bill Be Paid?

    AXS/GIRO/mobile banking and others

    Your payment options are as follows:

    • AXS Stations
    • Cash payment
    • Phone banking
    • Mobile banking
    • Interbank GIRO
    • Crossed cheque
    • Internet banking
    • NETS or CashCard
    • Cash deposit machine
    • Transfer of funds via FAST
    • Internet banking by a different bank

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

    3% of the balance or S$50

    You have to pay at least 3% of the outstanding balance or S$50, whichever is more, every month. Also, you are liable to pay any amount exceeding your approved credit limit and any amount carried forward from previous months.

    What Is the Grace Period?

    23 days

    You will enjoy an interest-free period of 23 calendar days from the date of the statement only if you have settled all your bills in the past.

    Which Mobile Wallets Can This Card Be Used With?

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

    You can link your OCBC credit card with the following mobile wallets:

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

    Can It Be Used With EZ-Link?

    Yes

    Yes, you can link your credit card with EZ-Link. When you have low funds in your EZ-Link card, the bank will automatically top it up through auto debit from your card. You can earn reward points for successful top-ups.

    How to Block or Unblock the Card

    Call the customer support hotline

    To stop usage on your card instantly, call the bank’s customer service hotline. To unblock, you can get in touch with the bank.

    How to Reset the PIN

    Call phone banking

    To reset your PIN, simply log into your phone banking account and follow the instructions.

    What Is the Billing Cycle and the Bill Due Date?

    Check your monthly bill

    A billing cycle will be different for each customer. The start of your billing cycle depends on the date your credit card was approved. The bill due date will reflect in your statement by which you must make the payment to avoid late payment charges.

    How to Get a Replacement Card

    Call the bank

    If you want to replace your credit card, you must get in touch with the bank and make a request. Alternatively, you can download the Credit Card Maintenance form and mail it to the bank. It will take 5 working days to process your request.

    How to Temporarily Increase the Limit of the Card

    Call the helpline number

    If you want to increase your credit limit on a temporary basis, please call the OCBC customer service helpline. This service is granted only under circumstances like travel, wedding, hospitalisation, and funeral arrangements.

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