Credit Cards

Best OCBC Credit Cards in Singapore – Credit Card Reviews 2018

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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.

In fact, OCBC just recently announced a revision of their OCBC 365 cash back credit card (effective 1 Oct 2018), presumably to target the younger, more internet savvy generation. It 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).

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

 

OCBC credit cards 2018

Credit card Benefits Things to note
OCBC 365 Card 6% cashback on dining / 3% cashback on groceries, utility bills, public transport, online travel bookings / up to 23% savings at Caltex Min. spend $800 / cashback cap $80
OCBC FRANK 6% cashback on online spend, mobile payments (until 31 Dec) / 5% cashback on weekend entertainment Min. spend $400 offline / cashback cap $60
OCBC Plus! Card 7% cashback at NTUC FairPrice / 3% cashback at FairPrice Online / up to 18.5% savings at Esso & Caltex Min. spend $500 outside FairPrice / expenditure cap $500
OCBC Titanium Card 10X rewards ($1 = 4 miles) on fashion, dept stores, electronics, kids wear (online & offline) Expenditure cap $12,000 a year
OCBC Robinsons Card 5% instant rebate at Robinsons, Marks & Spencer, Zara, Royal Sporting House, etc.
OCBC Voyage Card $1 = 1.2 miles (local) / $1 = 1.6 miles (local dining) / $1 = 2.3 miles (overseas) Min. income $120,000 p.a.

 

OCBC 365 Credit Card – cashback for daily expenses

OCBC 365 Credit Card

OCBC 365 Credit Card


Card Benefits

  • 3% Cashback on Weekday and Overseas Dining, Grocery and Recurring Telecommunications bills, and all Online spend
  • 6% Cashback on Weekend Dining
  • Up to 23.8% Fuel Savings at selected petrol stations
  • Minimum spend of $600/month, $80 cap /month. For spend less than $600, a flat 0.3% cashback is awarded

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 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)

Also consider: BOC Family Card

 

OCBC Frank Card – cashback for millennials

OCBC Frank Card

OCBC Frank Card


Card Benefits

    • 6% rebate on online shopping
    • 0.3% rebate on everything else
    • Min. spend $400 exclude online spend and ATUs, capped at $60 for all rebates

    Probably the most stylish credit card in Singapore, the OCBC FRANK Credit 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.

    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.
    • FRANK Credit card campaign (now until 31 Dec 2018): 6% cash back for mobile payments like Apple Pay and Samsung Pay + minimum offline spend is reduced to $300. Limited to first 15,000 cardholders, and registration must be done via SMS.
    • Cashback capped at $60

    Essential info:

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

    Also consider: UOB YOLO Credit Card

     

    OCBC Plus! Visa Card – cashback at NTUC FairPrice 

    OCBC Plus! Visa Credit Card

    OCBC Plus! Visa Credit Card


    Card Benefits

    • Enjoy 7% off everything at Fairprice and 3% Fairprice Online
    • Free delivery at www.fairprice.com.sg
    • Earn 0.22% LinkPoints rewards on all Visa spend

    Strictly for die-hard supporters of NTUC FairPrice, the OCBC Plus! Visa credit card probably gives you the highest cashback at FairPrice, although it’s not much good for anything else. Take note of the rather restrictive minimum spend and expenditure cap.

    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 expenditure cap of $500
    • 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)

    Also consider: Citibank SMRT Card

     

    OCBC Titanium Card – 4 miles per $1 on retail

    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.

    Also, 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.

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

    Key features:

    • Use this credit card to get 4 miles per dollar on 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)

    Also consider: UOB Preferred Platinum Visa Card

     

    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 Credit Card, you’d sign up in a flash.

    Find out which rewards cards are best for retail therapy.

    Key features:

    • Get 5% instant rebate at 18 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 Voyage Visa Infinite – miles card for rich jetsetters

    OCBC’s premium air miles credit card has a minimum income requirement of $120,000, which puts it out of reach for most Singaporeans. Its key selling point is that Voyage Miles don’t expire and have no blackout dates. Apart from that, it also comes with the usual premium perks like limo services, golf benefits and airport lounge access.

    Find out which air miles cards are best for high flyers.

    Key features:

    • Use this on local dining and while travelling to get more miles per dollar
    • Earn Voyage Miles, which don’t expire and have no blackout dates
    • You can convert Voyage Miles to KrisFlyer miles or redeem flights on other airlines without converting them to miles
    • Possible to “buy” up to 500,000 miles by paying annual fee

    Essential info:

    • Minimum income: $120,000
    • Annual fee: $488 (comes with 15,000 miles) / $3,210 (150,000 miles) / $10,000 (500,000 miles)

    Also consider: Standard Chartered Visa Infinite Credit Card

     

    Other OCBC credit cards

    • 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-installment credit card

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

     

    Related articles

    OCBC 360 Account – OCBC Savings Account Review 2018

    The Best Cashback Credit Cards in Singapore 2018

    The Best Air Miles Credit Cards in Singapore 2018

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