This rewards card from OCBC offers 10 times OCBC$ on the following categories when you shop from online/offline stores, in Singapore as well as overseas:
There is a waiver on the annual fee for the first two years.
Best suited to: Those who love shopping.
|Annual Fee||S$192.60 (2-year fee waiver; waiver available after the first 2 years if you spend S$10,000 in the preceding year)|
|Rewards points at department stores||10 OCBC$ for every S$1|
|Rewards points on baby wear||10 OCBC$ for every S$1|
|Rewards points on personal care||10 OCBC$ for every S$1|
|Rewards points on electronic gadgets||10 OCBC$ for every S$1|
|Rewards points on mobile payments||10 OCBC$ for every S$1|
|Rewards points on all other retail spends||1 OCBC$ for every S$1|
|Complimentary travel insurance||Not available|
Let us look at an illustration to understand how you can earn reward points and how many miles they are worth. For conversion to miles, 2.5 OCBC$ = 1 mile.
|Spend categories/cashback or cash rebate||Monthly spend||Points Earned||Equivalent miles|
|Dining (weekends in Singapore)||S$300||300||120|
|Department store spends||S$250||2,500||1,000|
|Other retail spends||S$150||150||60|
Your rewards points can be exchanged for product or service vouchers, cash credits or air miles. You can visit the catalogue on the OCBC website and select from the options available. You can get air miles, fuel vouchers, shopping vouchers and Titanium cash, among other things. Some examples are given below:
|Type of Interests||Charge|
|Retail Purchases||25.92% p.a.|
|Cash Advance||28.92% p.a.|
|Instalment Payment Plan||0%|
|Type of charge||Charge|
|Overseas Transaction Fee||2.8% of the bill amount|
|Late Payment Fee||S$100|
|Cash Advance Fee||S$15 or 6% of the sum, whichever is higher|
|Supplementary Card Fee||S$96.30 after the first 2 years|
In case you are travelling overseas, you might want to activate the card for using it there. Since many countries use a magnetic strip to make transactions, you will have to activate the card for this kind of use. You can do this by the following methods:
Before applying for the OCBC Titanium Rewards Card, check the eligibility criteria for the card on this page. This will help avoid rejection from the bank.
If you have lost your credit card, it is necessary to inform the bank as soon as possible. This will help prevent any unauthorised use. You can do this by calling the bank’s customer hotline or by writing to the bank. In some cases, you might have to file a police report about the incident. If it is proved that the loss was not due to your negligence, i.e. you have no liabilities, your liability will be limited to S$100.
It’s always difficult to decide when you have multiple options to choose from. This holds good when you’re planning to apply for a new credit card as well. Go to our credit card comparison page to see which card suits your financial needs the most.
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How to Enable/Disable Auto Debit & Standing Instructions
Use the interbank GIRO form on OCBC’s website or get it from your nearest branch, to set up automatic monthly payments from your preferred account. You can either choose to make full payments or pay the minimum required amount every month. For partial payments you would need to use other modes of payment.
How to Apply for the Card & Check the Application Status
At branch or online
You can apply for this card online on the bank’s website. You could also visit a branch of the bank in Singapore to do so. To know what the status of your application is, contact the bank through its 24/7 hotline
How to Check Balance
Check the balance available on your credit card through the following methods:
How Can the Bill Be Paid?
GIRO/FAST/Phone or internet banking and others
Your credit card bill can be paid in a number of ways. They are:
How Much Is the Minimum Payment to Be Made on the Card?
S$50 or 3% of the outstanding amount
The minimum amount to pay every month is 3% of the outstanding balance or S$50, whichever is more. If your outstanding balance exceeds the credit limit on your card, the minimum amount payable will be 3% of the outstanding balance as well as the amount in excess of the credit limit.
What Is the Grace Period?
The interest-free period that you enjoy is 23 days from the statement date. This is only applicable if there is no outstanding balance from previous statements.
Which Mobile Wallets Can This Card Be Used With?
Apple Pay/Fitbit Pay/Garmin Pay/Google Pay/Samsung Pay
Your OCBC card can be linked to mobile wallets to make payments. The mobile wallets to which it can be linked are:
Can It Be Used With EZ-Link?
Your card can be used with EZ-Link. You will receive an email from EZ-Link acknowledging and approving your OCBC credit card to be used with this facility.
How to Block or Unblock the Card?
Call the 24x7 hotline number
To block or unblock your credit card, you will have to call OCBC’s 24-hour customer service hotline.
How to Reset the PIN?
Submit the relevant form/Phone banking.
To reset your credit card PIN, you will need to submit the ‘Services for Credit Card’ form to OCBC. Select the ‘Re-issue your Credit Card PIN’ option and mail the form to the bank using the business reply envelope. Your new PIN will be processed within 5 business days. You could also call the phone banking service
What Is the Billing Cycle and the Bill Due Date?
See your credit card bill
You will receive a bill every month detailing the transactions that have been charged to your card and the amount that is due. The billing cycle may either be every calendar month or may start from the date on which your card was issued. To prevent any late fee charges, the amount on your statement needs to be paid by the due date mentioned on your monthly statement.
How to Get a Replacement Card
Contact hotline/send filled-up form
To request a replacement card, contact the 24x7 OCBC hotline. you will have to submit the ‘Services for Credit Card’ form to OCBC. The request for your new card will be processed within 5 working days.
How to Temporarily Increase the Limit of the Card?
Contact customer support
For a temporary increase in the limit of your card, you can contact any of OCBC’s customer service officers. A temporary increase in your credit limit is only provided for travel, wedding banquets, medical purposes, hospitalisation reasons, and funeral purposes