S$1 = 10 OCBC$ (equivalent to 4 Miles per S$1)

on Eligible Local and Overseas Spend

S$1 = 1 OCBC$

on All Other Spend

10 OCBC$ = 4 Miles

Rewards to Miles Conversion

All Details

• Key Features

  • Earn 15 OCBC$ for every S$1 spent at selected popular retailers (new ones every three months!)

  • Earn 10x OCBC$ (equivalent to 4 air miles) per S$1 spent on eligible online and retail purchases

  • 1x OCBC$ on all other eligible purchases

  • Additional 2% cash rebate at BEST Denki

  • E-Commerce Protection

  • First 2 years fee waiver for principal card (S$196.20 per year) and supplementary card (S$98.10 per year)

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Rewards

Excellent

• Earn 15 OCBC$ for every S$1 spent at selected popular retailers (new ones every three months!)

• Earn 10x OCBC$ (equivalent to 4 air miles) per S$1 spent on eligible online and retail purchases

• Earn unlimited base OCBC$ and up to 120,000 bonus OCBC$ per card anniversary year

• Offset shopping costs with rebates and discount vouchers or exchange OCBC$ for products and air miles

Shopping

Excellent

Supports Department, Retail & Online stores

• Earn 15 OCBC$ for every S$1 spent at selected popular retailers (new ones every three months!)

• Earn 10x OCBC$ (equivalent to 4 air miles) per S$1 spent on eligible online and retail purchases

• 10x OCBC$ (10 points or 4 Miles) for every S$1 spent on clothes, shoes, bags, department stores, kidswear, electronic gadgets, offline, locally and overseas

Online Shopping

Excellent

Supports selected Online stores such as AliExpress, Amazon, Ezbuy, Lazada, Shopbob, Taobao & many more

• Earn 15 OCBC$ for every S$1 spent at selected popular retailers (new ones every three months!)

• Earn 10x OCBC$ (equivalent to 4 air miles) per S$1 spent on eligible online and retail purchases

• First 2 years fee waiver for principal card (S$196.20 per year) and supplementary card (S$98.10 per year). Subsequent years waived with min. spend of S$10,000 per card anniversary year

• Enjoy e-Commerce Protection, which safeguards you against non-delivery or if the seller fails to reimburse you

Petrol

Very Good

Best for: Petrol transactions at Esso & Caltex

• 14% discount at Esso stations - 5% Esso site discount + 5% Smiles card discount + 4% OCBC card discount

• 16% upfront discount at Caltex stations, includes station onsite discount and OCBC card discount

Annual Interest Rate and Fees

Annual Principal Fee	S$196.20
Supplementary Annual Fee	S$98.10
Fee Waiver	Available
Interest Free Period	23 days
Annual Interest Rate	27.78%
Late Payment Fees	S$100
Minimum Monthly Repayment	3% or S$50, whichever is higher
Foreign Currency Transaction Fee	3.25%
Foreign Check Fee	N/A
Cash Advance Transaction Fee	6% or S$15, whichever is higher
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$45,000

Card Association

Mastercard

Wireless Payment

Apple Pay
Samsung Pay
Google Pay

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