Credit Cards

Best OCBC Credit Cards in Singapore – Credit Card Reviews 2019

Best OCBC Credit Cards Review

MoneySmart

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Back when people actually shopped at Orchard Road – you know, instead of just checking out clothes, shoes and books before buying them online – chances are you saw purchases charged to OCBC credit cards.

Fast forward to today, they’ve rather lost their market share. Most of OCBC’s credit cards are not going to bowl you over with INSANE benefits, but if you look closely you might find one that’s suitable for you.

Here’s a comparison of the best OCBC credit cards in Singapore.

 

Best OCBC credit cards in Singapore 2019

OCBC credit card Key benefits
OCBC 365 Card 6% cashback on dining / 3% cashback on groceries, utilities, public transport, online travel bookings / up to 23% savings at Caltex
OCBC FRANK Card 6% cashback on online spend / 5% cashback on weekend entertainment
OCBC Titanium Card 10X rewards ($1 = 4 miles) on fashion, dept stores, electronics, kids wear (online & offline)
OCBC Robinsons Card 5% rebate at Robinsons, Marks & Spencer, Zara, Royal Sporting House, etc.
OCBC Plus! Card 7% cashback at NTUC FairPrice / 3% cashback at Popular / up to 18.5% savings at Esso & Caltex

 

OCBC 365 Card – all-rounded cashback for daily expenses

OCBC 365 Credit Card

OCBC 365 Credit Card


Card Benefits

  • 6% cashback on local and overseas dining, everyday
  • 6% cashback on online food delivery e.g. Deliveroo and Foodpanda
  • Up to 23% fuel savings at Caltex stations
  • 3% cashback on local, overseas and online groceries e.g. Redmart, FairPrice Online and Honestbee
  • 3% cashback on local and overseas private hire rides e.g. Grab, ComfortDelGro, Ofo and Ryde
  • 3% cashback on online air, cruise, hotel and tour bookings e.g. Agoda and Airbnb
  • 3% cashback on recurring telco and electricity bills
  • 0.3% cashback on everything else

The OCBC 365 credit card is OCBC’s entrant in the highly competitive cashback credit card market. It doesn’t offer the absolute highest rebates around, but the spending categories are wide enough to cover most of what typical young Singaporeans spend on.

The recently-revised OCBC 365 card now includes bonus rebates for food delivery services like Deliveroo and FoodPanda (6% under dining), as well as online supermarkets like RedMart (3% under groceries), presumably to target the younger, more internet savvy generation.

The minimum spend is on the high side, but on the other hand, there’s a reasonably high cashback cap of $80.

Click here to read the full review of the OCBC 365 Credit Card.

Key features:

  • Get 6% on dining and 3% on online travel bookings, groceries, telco and electricity bills and public transport
  • Use the OCBC 365 at Caltex for up to 23% savings
  • Minimum spend $800 a month
  • Cashback cap of $80 a month

Essential info:

  • Minimum income: $30,000 (Singaporean & PR) / $45,000 (foreigner)
  • Annual fee: $192.60 (waived for two years)

 

OCBC Frank Card – online & entertainment cashback for millennials

OCBC Frank Card

OCBC Frank Card


Card Benefits

    • 6% rebate on online shopping
    • 0.3% rebate on everything else
    • S$60 monthly capped rebate with monthly offline min. spend of S$400 (excludes online and NETS FlashPay Auto Top-Up spend)

    One of the most stylish credit cards in Singapore, the OCBC FRANK Card is obviously aimed at the millennial crowd.

    If you spend at least $100 each weekend hanging out (watching movies, chilling out at Starbucks, having a drink or two) this card would be perfect for you.

    New to OCBC? If you apply for the OCBC Frank Card by 31 May 2019 via MoneySmart, you get a $50 cash rebate (no min. spend) and an exclusive stay at M Social Singapore Hotel with a minimum spend of $400 within the first month of card approval.

    Click here to read the full review of the OCBC Frank Card.

    Key features:

    • Use this card for your weekend chillout sessions to get 5% cashback and hit the minimum offline spend of $400
    • Get 6% cashback on all online spend including shopping, travel, Grab, and etc.
    • Cashback capped at $60

    Essential info:

    • Minimum income: $30,000 (Singaporean & PR) / $45,000 (foreigner)
    • Annual fee: $80 (waived for two years)

     

    OCBC Titanium Card – OCBC’s best card for miles

    OCBC Titanium Rewards Card

    OCBC Titanium Rewards Card


    Card Benefits

    • Supports Department, Retail & Online stores
    • 10x OCBC$ (10 points or 4 Miles) for every S$1 spent on clothes, shoes, bags, department stores, kidswear, electronic gadgets, online, offline, locally and overseas
    • 2% Cash Rebate when you spend at BEST Denki, on top of the existing 10 OCBC$ (worth 4 Miles) OCBC Titanium Rewards Cardmembers earn on a usual basis. Valid till 31 Jan 2019

    OCBC’s Titanium card is a great rewards card for families to use. You get points on categories like kids wear, personal care and electronics – all the stuff that really adds up when you run a household.

    Plus, major online shopping sites like Amazon, Lazada and Taobao qualify for the bonus points too (10X rewards, or $1 = 4 miles) which makes it an excellent card for online shopping junkies.

    I like that the expenditure cap is not monthly, but annual, so you can use it during an expensive transitional stage of life, like having a baby or moving house, and not worry about bursting a monthly cap.

    Do note that the OCBC rewards catalogue isn’t much to shout about, but you can always use your points to redeem miles.

    Read more on which rewards cards are best for earning miles fast.

    Key features:

    • $1 = 4 miles on major e-commerce sites, fashion, department stores, electronics, kidswear, personal care (online and offline)
    • Annual expenditure cap of $12,000 – no need to worry about bursting monthly cap

    Essential info:

    • Minimum income: $30,000 (Singaporean & PR) / $45,000 (foreigner)
    • Annual fee: $192.60 (waived for two years)

    Don’t have this card yet? Check out their current new sign-ups promotion, where new OCBC card holders can earn up to 32,000 OCBC$ (worth 12,800 Miles) by signing up and spend $300 within the first month of card approval.

     

    OCBC Robinsons Card – 5% discount at Zara and Marks & Spencer

    OCBC Robinsons Group Credit Card

    OCBC Robinsons Group Credit Card


    Card Benefits

    • 10% cash rebate with purchases above $5,000 at Robinsons, Marks & Spencer
    • 5% cash rebate for purchases below $5,000 at participating 19 retail brands including Robinsons, Marks & Spencer, Royal Sporting House, Golfhouse, Lacoste, Nautical, Speedo, Vans and Quiksilver
    • Receive a 25% Robinsons bonus discount letter with min. spend $500 at Robinsons, Marks & Spencer

    “Eeee, Robinsons is for aunties – why you recommend this credit card!?”

    First, don’t discriminate against aunties leh. Second, this credit card gives you 5% off, no questions asked, at Zara, Marks & Spencer, Royal Sporting House and a whole bunch of other retailers apart from Robinsons. I bet if they called it the OCBC Zara Card, you’d sign up in a flash.

    This is by no means an everyday credit card, but since there’s no minimum spending requirement, it might be nice to have on hand for chionging end-of-season sales.

    Find out which rewards cards are best for retail therapy.

    Key features:

    • Get 5% instant rebate at 19 brands under the Robinsons Group
    • No minimum spend, unlimited rebate

    Essential info:

    • Minimum income: $30,000 (Singaporean & PR) / $45,000 (foreigner)
    • Annual fee: $192.60 (waived for first year)

     

    OCBC Plus! Visa Card – 7% cashback at NTUC FairPrice 

    OCBC Plus! Visa Credit Card

    OCBC Plus! Visa Credit Card


    Card Benefits

    • Enjoy 7% rebate at FairPrice and 3% rebate at Fairprice Online

    Strictly for die-hard supporters of NTUC FairPrice, the OCBC Plus! Visa credit card gives you decent rebates at NTUC FairPrice, although it’s not much good for anything else.

    Unfortunately, you have to use it outside of NTUC in order to get the rebates, which makes no sense at all. And with competitor credit cards offering as much as 10% cashback on groceries these days, it would be downright silly to use this card unless you’re a hardcore NTUC fan.

    Read more on which cashback cards are best at your favourite supermarket.

    Key features:

    • Get 7% cashback at NTUC FairPrice and 3% on FairPrice Online
    • Use this card for up to save money at Caltex and Esso too
    • Minimum spend of $500 outside of FairPrice
    • NTUC members get upgraded to the NTUC Plus! Visa Credit Card which has higher rebates

    Essential info:

    • Minimum income: $30,000 (Singaporean & PR) / $45,000 (foreigner)
    • Annual fee: $80 (waived for two years)

     

    Other OCBC credit cards

    OCBC Voyage Card: Miles card for high earners ($120,000 a year)

    OCBC Arts Credit Card: Up to 20% off on selected performances on Sistic

    OCBC Best Denki Credit Card: 8% rewards at Best Denki

    OCBC Platinum Credit Card: Basic rewards credit card

    OCBC Cashflo Credit Card: Auto-instalment credit card

    Do you use OCBC credit cards? Tell us why or why not in the comments!

     

    Related articles

    The Best Cashback Credit Cards in Singapore

    The Best Air Miles Credit Cards in Singapore 

    The Best Credit Cards in Singapore for Online Shopping

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