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OCBC INFINITY Cashback

Cashback card by OCBC · Easy · No minimum spend

Earns 1.6% on all spend in S$. Annual fee: S$196.20, 1st year free.

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Earn rate1.6%all spend in S$

Everything else1.6%in S$

Foreign currency1.6%before fees

Annual feeS$196.201st year free

Checked against OCBC's own terms on 21 Oct 2026. See the documents

How you earn

Where	How you pay	You earn
Everything else, in S$	Any way of paying	1.6%
Everything else, in a foreign currency	Any way of paying	1.6%

The bank's full earning rules

1.6% cashback on every S$1 of eligible local and overseas retail spend.
No minimum spend and no cap.

Where the bonus applies

All eligible retail spend, local and overseas

Earns nothing on

Card, annual, membership and renewal fees; balance transfers; cash-on-instalment; instalment and extended payment plans; income tax…
Top-ups to prepaid accounts and payment service providers such as EZ-Link, NETS FlashPay, eNETS, SAM, Transit Link, AXS, GrabPay, YouTrip…
Merchant category codes: 4784 tolls and bridge fees; 4829 money orders and wire transfers; 4900 utilities; 5047 medical, dental and…

Fees and limits

Annual feeS$196.20 incl. GST, waived for the first year, then waived with S$10,000 spend a year (product page only; the programme terms don't state the fee). Supplementary S$98.10.

Minimum incomeS$30,000 (Singaporeans/PRs aged 21-55); S$15,000 (over 55); S$45,000 (foreigners). Product page only.

Overseas fee3.25% on foreign-currency transactions: 2.25% OCBC administrative fee plus 1% card association charge. SGD transactions processed overseas carry an extra 1% (OCBC Guide on Fees and Charges, all OCBC cards).

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

Good to know

Flat 1.6% cashback on eligible local and overseas spend, with no minimum spend and no cap (programme terms clauses 1.1-1.3).

Cashback is credited to the principal card account the following month. OCBC may change the rate without notice (cl 1.8).

A 10X welcome promotion on the first S$2,000 within 60 days is not counted (promotion, product page only).

Where these facts come from

OCBC INFINITY Cashback Card Programme T&Csupdated 18 Aug 2023

OCBC INFINITY Cashback product pagepage only; no date shown; read 21 Oct 2026

OCBC Guide on Fees and Charges (cards)version date 1 Oct 2025

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