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.

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

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

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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