If you’re someone who loves getting rewards for using your credit card to pay for expenses, you’re going to love this card. The OCBC Titanium Rewards Card has been designed to give you rewards when you use it for shopping across various categories. Whether you’re shopping locally in Singapore, overseas, or online, you can earn rewards in the form OCBC$ for each Singapore dollar you spend. You can accumulate these rewards and redeem them to get cash, KrisFlyer Miles, vouchers, and also to offset your future shopping bills. The card also gives you e-Commerce Protection which helps you find the best deals on the internet and helps you pay for your online purchases in a secure manner. In addition to this, you can also get cash rebates at BEST Denki, get access to more than 800 lunges offered by LoungeKey, get offers on movie tickets at Cathay Cineplexes, and more.
|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$1 spent|
|Complimentary travel insurance||Not available|
Imagine someone rewarding you for shopping. Sounds too good to be true? Well, that’s exactly what this card does for you when you use it to pay for your shopping transactions. Now get 10x OCBC$ for every Singapore dollar when you spend on clothes, bags, and shoes children’s wear, and babies wear, both in Singapore as well as overseas. You also get the same rate of rewards when you shop at department stores and for purchasing gadgets and electronic products. These rewards are available across a variety of brands such as Alibaba, Hachi, Lazada, AliExpress, Lenovo, Courts, Taobao, and more.
The rewards you accumulate under this programme can be redeemed to get gifts of your preference. You have the liberty to choose to exchange your OCBC$ and get Titanium Cash, KrisFlyer Miles, and retail vouchers, and even use them to get discounts on any future shopping transactions you make. For example, if you spend S$2,500 on eligible transactions on this card, you can get 25,000 OCBC$. You can redeem these for 10,000 KrisFlyer Miles. With 7,000 OCBC$ you can get a FairPrice voucher worth S$20, while redeeming 1,750 OCBC$ will get you a discount of S$5 on your shopping bill at Zara.
The OCBC Titanium Rewards Card also gives you a collection of other privileges and benefits that you can make use of to get better deals on your shopping and entertainment activities in the country. This includes a cash rebate of 2% at BEST Denki in addition to the 10x OCBC$ you already earn on this card. You can also make use of the exclusive access to more than 800 LoungeKey lounges at airports to unwind, relax, and grab a bite to eat before you catch your flight. Also get offers on movie tickets at Cathay Cineplexes. For the complete range of offers and deals that are available on the card at present, please get in touch with the bank.
|Spend category||Yearly spend||Points earned (OCBC$)||Equivalent miles (KrisFlyer Miles)|
|Gadgets (purchased online in Singapore)||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$10,000||10,000||4,000|
|Total||120,000 OCBC$||48,000 KrisFlyer Miles|
|Type of Interests||Charge|
|Retail purchases||25.92% p.a.|
|Cash advance||28.92% p.a.|
|Instalment payment plan||0%|
|Type of charge||Charge|
|Annual fee||S$192.60 (first two years’ fee waived)|
|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)|
Before you envision your shopping spree with this card, make sure you’re eligible for it. You can check your eligibility here.
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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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
You can check all your transactions and credit card balance through the following methods:
How Can the Bill Be Paid?
AXS/GIRO/mobile banking and others
Your payment options are as follows:
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?
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:
Can It Be Used With EZ-Link?
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.