Compare the Best OCBC Credit Cards in Singapore 2025

Only at MoneySmart: Receive S$600 Cash when you apply for select OCBC Credit Cards. Compare and find your ideal card with MoneySmart’s easy-to-use credit card comparison tool. Read More
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We found 8 OCBC Credit Cards for you!
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OCBC 365 Credit Card
MoneySmart Exclusive
High Spend on Dining
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OCBC 365 Credit Card

Cashback on Fuel Spends
6%
Cashback on Everyday Dining
5%
with min. spend of $1,600 per month
Unlock up to $160 Cashback
Apply and redeem any of these rewards

Get 1,960 SmartPoints or S$150 Cash for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply.
 
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max (worth S$1,899) from our Rewards Store.

Valid until 31 Mar 2025 - See more details below
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OCBC INFINITY Cashback Card
MoneySmart Exclusive
Earn 1.6% unlimited cashback
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OCBC INFINITY Cashback Card

on eligible transactions
Earn 1.6% Cashback
Min. Spend
S$0
Cashback Cap
Unlimited
Apply and redeem any of these rewards

Get 1,960 SmartPoints or S$150 Cash for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply.
 
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max (worth S$1,899) from our Rewards Store.

Valid until 31 Mar 2025 - See more details below
Apply Now
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OCBC 90°N Card
MoneySmart Exclusive
Earn Miles That Don't Expire
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OCBC 90°N Card

on Agoda accommodations worldwide
S$1 = Up to 7 Miles
on Foreign Currency spend
S$1 = 2.1 Miles
on Local spend
S$1 = 1.3 Miles
Apply and redeem any of these rewards

Get 1,960 SmartPoints or S$150 Cash, PLUS a 5GB Eskimo eSIM (worth US$25) for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply.
 
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max (worth S$1,899) from our Rewards Store.

Valid until 31 Mar 2025 - See more details below
Apply Now
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OCBC Rewards Credit Card
MoneySmart Exclusive
Earn up to 4 miles per S$1 spent

OCBC Rewards Credit Card

on Eligible Local and Overseas Spend
S$1 = 10 OCBC$ (equivalent to 4 Miles per S$1)
on All Other Spend
S$1 = 1 OCBC$
Rewards to Miles Conversion
10 OCBC$ = 4 Miles
Apply and redeem any of these rewards

Get 1,960 SmartPoints or S$150 Cash for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply.
 
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max (worth S$1,899) from our Rewards Store.

Valid until 31 Mar 2025 - See more details below
Apply Now
Apply Now
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OCBC 90°N Visa Card
MoneySmart Exclusive
Earn Miles That Don't Expire

OCBC 90°N Visa Card

on Agoda accommodations worldwide
S$1 = Up to 7 Miles
on Foreign Currency Spend
S$1 = 2.1 Miles
on Local Spend
S$1 = 1.3 Miles
Apply and redeem any of these rewards

Get 1,960 SmartPoints or S$150 Cash, PLUS a 5GB Eskimo eSIM (worth US$25) for new OCBC Cardmembers only when you apply and charge at least 1 qualifying transaction within 30 days from card application approval. T&Cs apply.
 
Enrol in Rollin’ Rewards today for FREE and stand a chance to be one of five lucky winners in our biggest points giveaway yet—93,800 SmartPoints! Each winner receives 18,760 SmartPoints, enough to redeem an Apple iPhone 16 Pro Max (worth S$1,899) from our Rewards Store.

Valid until 31 Mar 2025 - See more details below
Apply Now
Apply Now
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OCBC NXT Credit Card

OCBC NXT Credit Card

when monthly bill is above S$1,000
1% Cash Rebates
monthly instalment payments
Interest Free
3 or 6 months
Payments Split into
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OCBC Frank Card
Earn up to 10% cashback

OCBC Frank Card

Cash Back
Up to 10%
Cash Back Cap per month
S$100
Min. Spend per month on Total Purchases
S$800
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OCBC Great Eastern Cashflo Credit Card

OCBC Great Eastern Cashflo Credit Card

if monthly bill is above S$1,000
Up to 1.2% Cash Rebate
if your monthly bill is less than S$1,000
Up to 0.3% Cash Rebate
when you split your bills into 3, 6 or 12-month instalments
0% Interest
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Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Bring Home The Bigger Gifts You Want & Need With SmartPoints

Get rewarded with SmartPoints when you apply for selected credit cards through MoneySmart. If you don’t need a Dyson hair dryer or vacuum cleaner, you can get the gift that you really want at our Rewards Store, whether it's the latest Apple and Sony gadgets or Amazon vouchers and beyond!

2 Ways To Earn SmartPoints

#1: Apply for financial products

Compare and apply for financial products to earn a massive amount of SmartPoints—as much as 5,100! Currently, you can earn SmartPoints on selected Citibank, Standard Chartered, OCBC, and HSBC credit cards, with more products to be included soon.

#2: Top-up your SmartPoints for bigger gifts

Not enough SmartPoints to redeem a specific reward? Don’t fret! Simply purchase additional SmartPoints from our store, and you’ll be able to redeem any reward you want.

Imagine this: you earn 5,040 SmartPoints by signing up for a financial product. Now, an Apple 10.9-inch iPad Wi‑Fi 64GB (10th Generation) might set you back over $500 elsewhere. But with your SmartPoints, you only need to add 1,100 SmartPoints more. So, it’s like getting a sleek new iPad for just $110. Who doesn’t love a good deal?

Here’s another illustration of how the top-up of SmartPoints works: What you can get using Smartpoints

Visit our Rewards Store to explore our range of rewards today.

How do I Waive OCBC Credit Cards Annual Fee?

OCBC credit card annual fees are usually waived for the first 2 years upon card application. However, when the free annual fee waiver ends, you have to meet annual minimum spending requirements to qualify for further fee waiver. If you’ve had a good credit history and relationship with the bank, request for an annual fee waiver by calling the OCBC customer service hotline at 1800 363 3333. For more details about your OCBC credit cards’ terms and conditions and annual fee waiver, call 6438 6088.

OCBC Credit Card Rewards

There are 3 main types of OCBC rewards points: OCBC$ points for most rewards credit cards, Travel$ for the OCBC 90N credit card, and Voyage Miles for the elite OCBC Voyage credit card. No matter which OCBC rewards programme you’re on, all rewards points will only be awarded for every S$5 spent. That means if you spent S$4.90 on a purchase, you will not receive any points. To check your OCBC rewards points, login to OCBC ibanking and select the “Rewards” category.

OCBC$ Rewards Points

If you’re an OCBC rewards credit card user such as the OCBC Titanium Rewards Card, you earn OCBC$ rewards points from your transactions. Redeem your OCBC$ rewards points for cash rebates, Singapore Airlines Krisflyer Miles, or vouchers on OCBC’s digital rewards platform, Stack. OCBC$ points earned expire in 2 years.

OCBC Cashback

If you’re using OCBC cash back credit cards such as the OCBC 365 Cashback credit card, OCBC Frank Card, and OCBC Cashflo credit card, your cashback earned from transactions will be directly credited to your credit card statement in the next month.

OCBC Rebate

If you’re using an OCBC cash rebate credit card such as the OCBC Robinsons Group credit card or OCBC Best Denki credit card, you will first earn OCBC$ rewards points from your purchases before you redeem the points for cash rebates via the rewards catalogue. For OCBC Plus! Visa and NTUC Plus! cash rebate credit cardholders, you earn rebates in the form of LinkPoints instead.

How to Apply for an OCBC Credit Card

Step 1

To apply for an OCBC credit card online: visit the OCBC website, click on your credit card of choice, and click on the “Apply now” option. You will then be presented with two options for card application: you can login to SingPass MyInfo, or complete an online registration form where you’ll be asked to fill in your personal information and required documents such as salary slips.

Step 2

Once you’re done with the application, you can check your OCBC credit card application status by calling the customer service hotline at 1800 363 3333. If you met the credit card’s stated requirements, submitted the correct documents, and have a good credit history, the chances of your card approval will be high.

Step 3

If you already have an OCBC credit card and are applying for a second card, you can apply via ibanking for instant approval and receive a digital credit card for immediate use. If you’re applying for a supplementary card, you will need to pick up a copy of the hardcopy application form and submit it at one of the OCBC branches.

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How to Cancel an OCBC Credit Card

To cancel or deactivate your OCBC credit card in Singapore, you can fill up the OCBC “Services for Credit Card” form which you can find online in PDF. In that form, you will find a “Terminate my Credit Card” section. Fill it up, print it out, and you can either mail it to OCBC or bring it to your nearest OCBC branch. Do remember to utilise all your OCBC rewards points, transfer your air miles, and pay your credit card bill in full before you terminate your credit card. If you still have other OCBC credit cards, your OCBC$ rewards points will pool and remain in your rewards account.

OCBC Credit Card Overseas Activation

To activate your OCBC credit card for overseas use, simply login to your OCBC ibanking account or send an SMS.

Cash Withdrawal via ATM

If you’re going overseas and would like to use your credit card to withdraw cash via ATM, you need to activate the credit card’s magnetic stripe feature by logging into your OCBC ibanking account, select “Customer Service” and “Overseas Card Use”. When you’re in the “Overseas ATM Withdrawals” page, check the ATM cash withdrawal function. You will be able to deactivate your credit card for overseas use in the same way. Before you go, remember to update your mobile number to receive real-time SMS updates on your credit card overseas transactions.

Overseas Retail Purchases

If you would like to use your credit card while overseas to make retail purchases, you will need to activate the credit card’s magnetic stripe feature via SMS. If you’re in Singapore, you need to send an SMS to 72323. If you’re already overseas, send your SMS to +65 9327 2323 instead. The activation SMS should be: MAG NRIC/Passport Last 4 digits of card number start date in DDMMYY end date in DDMMYY activate. Here’s an example of the activation SMS: “MAG S1234567X 1234 260820 310820 activate”. Here’s the SMS to deactivate your credit card for overseas use: MAG NRIC/Passport Last 4 digits of card number deactivate. An example of the deactivation SMS: “MAG S1234567X 1234 deactivate”.

How to Pay OCBC Credit Card Bill

Check OCBC Credit Card Bill

First, how to check your OCBC credit card bill? Login to the OCBC ibanking website and select “Your Accounts”, followed by “Overview”, “What You Owe (Liabilities)”, and “Amount Due”. Alternatively, login to OCBC mobile banking and look under “What You Owe”. You can also send an SMS to 72323 or +65 9327 2323 if you’re overseas: BAL space space . Finally, you can call OCBC customer service hotline 1800 363 3333 or +65 6363 3333 if you’re overseas.

OCBC Credit Card Due Date

Next, when is your OCBC credit card bill due? Due dates may change from month to month, plus or minus a day or two. If you receive physical bank statements per month, you will find your credit card balance or payment due date stated. If not, login to the OCBC ibanking website or mobile app, look under your accounts and cards to find the month’s credit card balance due date. Make sure you pay your credit card bill in full on time lest you incur late payment fees of S$100.

Pay OCBC Credit Card Bill

Finally, if you’re an OCBC banking user paying an OCBC credit card bill, simply login to the OCBC ibanking website or mobile app. Find “Payments and transfers” or “Bill payment” and you will be able to select your OCBC credit card bill. If you’re paying for your OCBC credit card bill from another bank, such as DBS or MayBank, you can just login to the DBS ibanking or Maybank2u ibanking websites, find the Payment category and select payment to “Other Banks’ Credit Cards”. You will be asked to add the credit card details to your list of regular ibanking payment recipients.

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