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OCBC 365 Credit Card

Hand-checked snapshot for Singapore. Author: Spiddy Ng. Figures below come from the linked bank sources — if a field is missing, we say so.

Data gaps: base programme exclusion MCC list (OCBC Rewards Transaction Exclusion List). Null or missing figures are omitted or marked “check bank” — we do not invent rates.

Earn rates

  • Dining MCC 5811/5812/5814 (excl. hotel dining/banquets not under these MCCs, phone/mail order): 6%
  • Groceries MCC 5411: 6%
  • Land transport MCC 4011/4111/4112/4121/4131 (excl. EZ-Link/TransitLink top-up): 6%
  • Petrol MCC 5541/5542 (excl. fleet card top-up): 6%
  • Watsons (not via marketplaces): 3% until 31 Mar 2027
  • Advertising platforms (99.co, EdgeProp, PropertyGuru, StreetSine, Facebook/Meta MCC 7311): 1% full payment / 0.5% instalments, no min, no cap
  • everything else, or all spend if < S$800: 0.25%

Structure effective 1 Nov 2026

Source: https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/cards/tncs-governing-365-cc-cashback-programme-wef1nov26.pdf · last checked 2026-10-22

Caps

S$160 per calendar month on 6%/3% categories at S$800 min spend (from 1 Nov 2026). RESOLVED: the S$80 figure is the pre-1 Nov 2026 tier (S$800 -> S$80 cap, S$1,600 -> S$160) in the old T&C.

Old T&C: https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/cards/tncs-governing-365-cc-cashback-programme.pdf

Source: https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/cards/tncs-governing-365-cc-cashback-programme-wef1nov26.pdf · last checked 2026-10-22

Minimum spend

{"monthly_sgd": 800, "aggregated_principal_supp": true}

Source: https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/cards/tncs-governing-365-cc-cashback-programme-wef1nov26.pdf · last checked 2026-10-22

Conversion

n/a

Source: https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/cards/tncs-governing-365-cc-cashback-programme-wef1nov26.pdf · last checked 2026-10-22

Exclusions (summary)

OCBC Cards Rewards Transaction Exclusion List (not fetched)

Gift T&C has its own MCC list (see signup_gift)

Source: https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/cards/tncs-governing-365-cc-cashback-programme-wef1nov26.pdf · last checked 2026-10-22

Sign-up gift

S$300 cashback

Affiliate / third-party note: OCBC’s own S$300 welcome gift requires applying via ocbc.com / OCBC app / branch. Applications via SingSaver, MoneySmart or other third parties are not eligible for that bank gift. If you apply through a partner link on this site, show the partner’s offer — not the bank’s direct gift.
Promo 1 Oct-31 Dec 2026. New OCBC Cardmember: >= 21; approved within 30 days of application; no current OCBC credit card and none held/cancelled in last 12 months (supp-only holders OK). Must apply via ocbc.com/OCBC app/branch - applications via SingSaver, MoneySmart or other third parties are NOT eligible. Min qualifying spend S$800 within 60 days of approval (approval date = Day 1). One gift per customer. Excludes fees, insurance, IPP, tax, bill payments, interest, GST, cash advance, BT, e-wallet top-ups (GrabPay, YouTrip, ShopeePay, Singtel Dash), AXS, SAM, EZ-Link and listed MCCs.

Source: https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/cards/tncs-ocbc-cc-welcome-gift-promotion-oct-2026.pdf · last checked 2026-10-22