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OCBC 365

Cashback card by OCBC · Many hurdles · Min S$800 a month, Small cashback cap

Earns 6% on petrol. Everything else in S$ earns 0.25%. Annual fee: S$196.20, 2 years free.

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Best rate6%Petrol

Everything else0.25%in S$

Bonus capS$80 cashbacka month

Annual feeS$196.202 years free

Checked against OCBC's own terms on 2 Oct 2026. See the documents

How you earn

Where	How you pay	You earn
Petrol	Any way of paying	6%
Dining and food delivery	Any way of paying	5%
Groceries and land transport (incl. Grab, taxis, SimplyGo)	Any way of paying	3%
Everything else, in S$	Any way of paying	0.25%
Everything else, in a foreign currency	Any way of paying	0.25%

The bank's full earning rules

Until 31 Oct 2026: 6% petrol; 5% dining incl. food delivery (Foodpanda, GrabFood, Deliveroo); 3% groceries, land transport, Watsons, streaming, EV charging, recurring telco and electricity bills; 0.25% everything else.
Until 31 Oct 2026: Tier 1 needs S$800 spend per calendar month (cashback cap S$80); Tier 2 needs S$1,600 (cap S$160). Below S$800, all spend earns 0.25%.
From 1 Nov 2026: 6% on Dining (MCC 5811, 5812, 5814; excludes hotel dining), Groceries (5411), Land Transport (4011, 4111, 4112, 4121, 4131; excludes EZ-Link/TransitLink top-ups) and Petrol (5541, 5542; excludes fleet card top-ups), with S$800 minimum spend per calendar month and S$160 cap.
From 1 Nov 2026: Watsons stores 3% with no minimum until 31 Mar 2027; advertising platforms (e.g. PropertyGuru, Meta under MCC 7311) 1% full payment or 0.5% instalments.
Minimum spend and cap are shared between principal and supplementary cards.

Where the bonus applies

Dining: caterers, restaurants, fast food (MCC 5811, 5812, 5814); until 31 Oct 2026 also food delivery
Groceries: supermarkets (5411)
Land transport: railways, public transport, taxis and ride-hailing, bus lines (4011, 4111, 4112, 4121, 4131)
Petrol: service stations and fuel dispensers (5541, 5542)

Earns nothing on

Transactions on the OCBC Cards Rewards Transaction Exclusion List
EZ-Link and TransitLink top-ups; fleet card top-ups
Hotel dining and wedding banquets booked by phone/mail order

Fees and limits

Annual feeSGD 196.20 incl. GST, waived for the first 2 years; waived after that with S$10,000 spend a year. Supplementary S$98.10.

Minimum incomeSGD 30,000 (Singaporeans/PRs aged 21–55); SGD 15,000 (aged 55+); SGD 45,000 (foreigners).

Overseas fee3.25% on foreign-currency transactions (1% card association + 2.25% OCBC administrative fee); 1% on SGD transactions processed overseas, including online.

Turning rewards into miles or cashCashback is credited to the principal card account the following month, based on posted transactions.

Good to know

Until 31 Oct 2026: S$800 monthly spend unlocks the bonus with an S$80 cap; S$1,600 raises the cap to S$160. Cardinko uses the S$80 tier.

Also 3% until 31 Oct 2026 on Watsons, streaming, EV charging and recurring telco and electricity bills. From 1 Nov 2026 the new terms have no bills bonus: phone bills earn 0.25%, and electricity (MCC 4900) earns nothing under OCBC's exclusion list. Cardinko counts them that way.

Annual fee SGD 196.20, waived for the first two years.

Where these facts come from

OCBC 365 Cashback Programme T&Cs (current)11 Apr 2025, until 31 Oct 2026

OCBC 365 Cashback Programme T&Cs (revised)effective 1 Nov 2026

OCBC 365 product page

OCBC Transaction Exclusion List

OCBC Fees & Charges for Credit Cards1 Oct 2025

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Compare OCBC 365 with

UOB Absolute Cashback Card DCS Ultimate Platinum Mastercard Citi Cash Back+OCBC INFINITY Cashback

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