• Min. Monthly Income


  • Interest Rate

    25.92% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • Up to 6% cashback on spending
  • Immediate savings up to 18.3% on petrol
  • 2 years annual fee waiver


  • Up to 23.9% savings for petrol at Caltex and Esso
  • 5% cashback at any other petrol stations


  • 6% cashback for weekend dining locally
  • 3% cashback for weekday local and overseas dining
  • Up to 30% discounts from wide range of dining deals islandwide


  • 3% cashback for groceries at all supermarkets


  • 3% cashback on all eligible online transactions
  • 0.3% cashback on all other spending


  • 3% cashback on recurring telco bills
  • 0.3% cashback on any other spend

Other Features

  • 24/7 Visa Signature Concierge
  • Complimentary travel insurance up to S$800,000

Card Information

Annual Fee $160.5
Min. Monthly Income $2,500
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder S$80.25
Finance charges 25.92% p.a.
Goods & Services Tax (GST)
Inclusive in annual fee
Late payment charge


Cash advance amount

Up to 70% of approved credit limit

Cash advance charge

6% of amount withdrawn or S$15, whichever is higher

Cash advance interest charge

Finance charges of 28.92% p.a. with a minimum of $2.50 will be calculated on a daily basis until full repayment.

Cashback Limit

$80 per month

Rewards points expiry


Product Review by iMoney Singapore

Cash Rebates For 365 Days!

OCBC 365 Credit Card lets you to enjoy cash rebates all year round! If you dine with your loved ones on weekday at any of the restaurants or cafes in Singapore and abroad, you will get to enjoy 3% cash rebates! However, you will get to earn double of the cash rebates (6%) if you dine on weekend. If you charge your online purchase to your card, you will receive 3% cash rebates. If you purchase fuel at any of the Esso or Caltex petrol stations, you will get to receive up to 18.3% cash rebates. Besides, you will get 5% cash rebates when you pump petrol at any other petrol stations. You will also get to earn 3% cash rebates on groceries when you spend at any of the supermarkets in Singapore. Most importantly, paying your telco bills can earn you 3% cash rebates too! For any other expenses, you will earn 0.3% cash rebates. Besides that, you will also get to enjoy discounts when you spend at selected merchants. This card comes with travel personal accident insurance with coverage up to S$800,000 and baggage loss with coverage up to S$400. OCBC welcomes cardholders from other banks who wish to transfer their card balances to OCBC, you will enjoy repaying outstanding balances at 0%, with you desire repayment period. Processing fee is determined by your chosen repayment period: 1.68% for 3 months; 2.50% for 6 months; and 4.50% for 12 months.

Fees and Charges

To renew principal card, you will need to pay S$192.60 per year, whereas you will only need to pay S$96.30 per year. However, you will get to enjoy annual fee waiver for the first 2 years of subscription. If no minimum monthly payment is made by payment due date, you will be charged for interest of 25.92% per annum, with minimum charge of S$2.50. Minimum monthly payment is compulsory and it is computed as 3% of your total statement balance, or S$50, whichever is greater, plus overdue amount and/or excess amount of the credit limit. Besides, paying late will be penalized on late payment charge of S$60. If you withdraw cash from this OCBC 365 Credit Card, you will be charged for 6% of amount withdrawn, or S$15, whichever is higher.

Are You Eligible For OCBC 365 Credit Card?

To apply OCBC 365 Credit Card, you will need S$2,500 of monthly income (for Singaporeans and Singapore permanent residents) or S$3,750 of monthly income (for foreigners). Main card subscribers must be age 21 and above; supplementary card subscribers must be age 18 and above.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as OCBC FRANK Credit Card and Citibank DIVIDEND Card, which may match your requirements. If you prefer to broaden your credit card search, see more OCBC credit cards and start comparing today!