OCBC 365 Credit Card
The current simplified tier requires S$800 spending in a calendar month for 6% cashback on eligible dining, groceries, land transport and petrol, capped at S$160 total per month.
Benefits & important limits
- The current simplified tier requires S$800 spending in a calendar month for 6% cashback on eligible dining, groceries, land transport and petrol, capped at S$160 total per month.
- Watsons, telco, utilities, EV charging and streaming earn 3% until 31 March 2027, then 0.25% from 1 April 2027. Below the S$800 minimum, eligible spending earns 0.25%.
- Fuel-station headline savings combine onsite discounts and card cashback. They are not an additional flat rebate on every petrol purchase.
Fees & repayments
- Principal annual fee (GST included)
- S$196.20
- Fee waiver
- First 2 years waived. Automatic renewal waiver with S$10,000 eligible annual spending.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Singapore citizens / PRs generally need S$30,000 yearly income; the senior route is S$15,000 where listed. Foreign applicants need S$45,000. OCBC lists an Employment Pass and passport with at least six months’ validity, income proof and address documents. Other pass types require specific confirmation.
Principal age: 21+
Application documents ↗Overseas & FX fees
OCBC adds a 2.25% administrative fee to the 1% Visa / Mastercard conversion fee for foreign-currency purchases: 3.25% in total. DCC and overseas SGD processing are separate.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.