Best OCBC Credit Card Promos in Singapore 2026
Updated: 28 Oct 2026
Product Name | 🔥 Hot Reward Pick | Min. Annual Income | Card Benefits | Bonus Cap | ||
|---|---|---|---|---|---|---|
 | OCBC INFINITY Cashback Credit Card | S$30,000 | 1.6 % | - | ||
 | OCBC 365 Credit Card | S$30,000 | 6 % | - | ||
 | OCBC Rewards Credit Card | S$30,000 | 1 - 15 | 10,000 OCBC$ | ||
 | OCBC 90°N Mastercard | S$30,000 | 1.3 - 7 | - | ||
 | OCBC 90°N Visa Card | S$30,000 | 1.3 - 7 | - |
- 1.6% unlimited cashback on all eligible spending with no min. spend and no cap
- Cashback automatically credited to cardholder's OCBC INFINITY Account
- 1 year annual fee waiver
- Read our review of the OCBC INFINITY Cashback Card.
- No rebate cap
- No monthly spend required
- Annual fee waiver
- 6% cashback on dining (including fast food and food delivery), groceries, land transport and petrol.
- Applicable to eligible spends in Singapore and overseas.
- S$160 monthly cashback cap (up from S$80).
- 3% cashback at Watsons until 31 March 2027.
- 2-year annual fee waiver.
- Read our full review of the OCBC 365 Credit Card .
- Dining, groceries, land transport, petrol rebate
- High min. spend of either S$800 or S$1,600 per calendar month
- Min. annual spend of S$10,000 from date of issue to qualify for automatic annual fee waiver.
- S$80 monthly cashback cap with minium spend of $800.
- S$160 monthly cashback cap with mininum spend of $1,600.
- Operates on a whitelist basis. Only selected MCCs shown in the T&Cs qualify for bonus cashback.
- Interest on outstanding balance increased from 26.88% p.a. to 27.78% p.a.
- Monthly spend required
- Earn 15 OCBC$ (equivalent to 6 miles) per S$1 spent at Watsons and online shopping platforms (Lazada, Shopee, Taobao and TikTok Shop).
- Earn 1X OCBC$ (or 0.4 miles) on all other spends, including public transport rides.
- Enjoy complimentary e-commerce protection on all your online purchases made with this card.
- Get fast approval and use your digital card instantly when you apply via MyInfo.
- Read our full review of the OCBC Rewards Card.
- Retail rebate
- Online shopping rebate
- Gift: Apple product
- No monthly spend required
- 15 OCBC$ per S$1 earn rate is capped at 10,000 bonus OCBC$ cap per month.
- OCBC$ awarded in blocks of S$5 charged per transaction.
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Your Miles never expire.
- No expiry on Travel$ earned, and no conversion fee.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived.
- Read our full review of the OCBC 90°N Credit Card .
- No expiry air miles
- Unlimited air miles
- Travel$ is awarded in blocks of S$5 charged to the card per transaction.
- No monthly spend required
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.
- Flexibility of converting points to miles: 1 Travel$ = 1 mile.
- No expiry on Travel$ earned, and no conversion fee.
- Travel$ can be converted to 1.2% cashback.
- Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.
- First-year annual fee waived. Receive 10,000 miles when you pay the second year annual fee.
- Read our full review of the OCBC 90°N Credit Card.
- Unlimited air miles
- No expiry air miles
- Bonus air miles
- Travel$ awarded in blocks of S$5 charged to the card per transaction.
Best for Everyday Cashback: OCBC 365 Credit Card
If you want a single card to handle your daily family and household expenses, the OCBC 365 is incredibly tough to beat.
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The Perks: Earn a massive 6% cashback on dining and food delivery, plus 3% cashback on groceries, land transport, petrol, and recurring utility bills.
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The Catch: You need to hit a minimum monthly spend of S$800 to unlock these higher cashback tiers.
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Best For: Foodies, families, and anyone looking to combat inflation on their daily essentials.
Best for Flexible Travel Miles: OCBC 90°N Visa / Mastercard
Tired of your miles expiring or paying pesky conversion fees? The OCBC 90°N removes all the friction from travel hacking.
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The Perks: Earn 2.1 miles per S$1 (mpd) on foreign currency spend and 1.3 mpd on local spend. The best part? Your Travel$ never expire, and there are absolutely no conversion fees when transferring to airline partners.
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Best For: Frequent travellers and digital nomads who want maximum flexibility with their miles.
Best for Shopping & Retail: OCBC Rewards Credit Card
Your go-to card for retail therapy, both online and offline.
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The Perks: Earn 10X OCBC$ (equivalent to 4 mpd or 2.78% cashback) on online and retail purchases at department stores, fashion boutiques, and selected merchants.
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Best For: Fashion enthusiasts and heavy online shoppers who want accelerated reward points.
Best for Unlimited, Fuss-Free Earn Rates: OCBC Infinity Cashback Card
No minimum spend. No earnings cap. Just pure, straightforward cash rebates.
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The Perks: Earn a flat 1.6% unlimited cashback on all eligible local and overseas spend.
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Best For: Big-ticket purchasers (like home renovations or weddings) and those who hate tracking spending categories.
Frequently Asked Questions (FAQs)
For most Singaporeans, the OCBC 365 Credit Card is the best option as it offers up to 6% cashback on dining and 3% on groceries and utilities (with a S$800 minimum spend). If you prefer not to track minimum spends, the OCBC Infinity Card offers a flat 1.6% unlimited cashback.
To qualify for SingSaver exclusive rewards (like the March Madness Blind Box), you must:
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Apply for an eligible OCBC card through a SingSaver link.
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Submit your email address and complete the SingSaver Rewards Form immediately after applying.
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Get your card approved by OCBC and meet the specific minimum spend requirement within the qualifying period.
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Most OCBC credit cards come with a first-year annual fee waiver. For subsequent years, you can easily request a fee waiver through the OCBC Digital app, via OCBC internet banking, or by calling their automated hotline. Waivers are generally granted if you use the card regularly.
It depends on the card. Travel$ earned on the OCBC 90°N Card never expire. However, OCBC$ earned on cards like the OCBC Rewards Card typically expire after 2 years. Always check the specific terms and conditions for your card.
💰 Highest Reward Ever!
Apply for OCBC credit cards and take home rewards like S$420 Shopee Voucher, 25,000 Max Miles by HeyMax, a Dyson Airstrait™, and more!