• Min. Monthly Income


  • Interest Rate

    25.92% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • Up to 6% cashback on spending on dining, groceries, bills, shopping and many more
  • Savings up to 23% on petrol at Caltex
  • Complimentary travel insurance
  • 2 years annual fee waiver
Insurance / Health


  • Up to 23% savings for petrol at Caltex
  • 5% cashback in fuel spend at other petrol stations


  • 3% cashback on all eligible online transactions (travel, fashion, movie tickets, Grab rides and many more)
  • 0.3% cashback on all other spending


  • 6% cashback for weekend dining locally
  • 3% cashback for weekday local and overseas dining worldwide


  • 3% cashback on recurring telco bills (SingTel, StarHub, M1)
  • 0.3% cashback on any other spend


  • 3% cashback for groceries at all supermarkets in Singapore

Insurance / Health

  • 3% cashback on medical spend for Child Development Account Trustees (dental, clinics, cord blood banking and hospitals )

Other Features

  • Spend a minimum of S$600 per month to qualify for these cashback. Otherwise, a flat rate of 0.3% is awarded on all spending.
  • 24/7 Visa Signature Concierge
  • Complimentary travel insurance up to S$200,000
  • Cashback is capped at S$80 per calendar month.

Card Information

Annual Fee $192.60
Min. Monthly Income $2,500.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder S$96.30
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6% of amount withdrawn or S$15, whichever is higher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 enjoy cash rebates all year round! If you dine with your loved ones on weekday in Singapore and abroad, you will get to enjoy 3% cash rebates! Plus, you will earn double of the cash rebates of 6% if you dine on weekend. Cardmember can enjoy up to 23% fuel savings at Caltex or ESSO petrol stations. Not only that, 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 telco bills can earn 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$200,000 and baggage loss with coverage up to S$400.

Fees and Charges

Renewal of principal card is only S$192.60 per year, whereas for supplementary card, it's only S$96.30 per year. However, cardmember can enjoy annual fee waiver for the first 2 years for both principal and supplementary card. 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$100. 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 Citi Cash Back Card, which may match your requirements. If you prefer to broaden your credit card search, see more OCBC credit cards and start comparing today!