Compare OCBC Credit Cards
All 4 OCBC Bank miles and cashback cards in one ranked list, scored by value at your monthly spend. Updated 30 Jun 2026
lockThese numbers stay in your browser — nothing is saved.
Miles cards are ranked by projected miles × this value. Cashback is always face value.
Preset values are derived from the SGfi Miles Value Index — the same Saver-award and cash-fare data used across the site. Adjust to match how you redeem.
Ranked by projected gross S$-equivalent value at your spend and chosen mile value. Cashback counts at face value; miles are valued at the cents-per-mile you set. Ties broken alphabetically by issuer. Cards marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Ranked by projected gross S$-equivalent value at your spend and chosen mile value. Ties broken alphabetically by issuer. Cards marked “Affiliate” earn SGfi a referral commission if you apply through these links — this does not influence the ranking.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.
About OCBC Bank's credit cards
OCBC's miles side is the 90°N Card, a travel-skewed earner with broad acceptance and competitive caps. OCBC's cashback side is the 365 Card, with tiered rebates weighted toward dining and groceries. This page filters the full SGfi credit-card comparison to OCBC's lineup and ranks its miles and cashback cards together by the S$-equivalent value each earns at your monthly spend — cashback at face value, miles at the cents-per-mile you choose. Use the bank chips above to compare other issuers.
SGfi tracks 2 OCBC miles cards in this comparison: OCBC 90°N Card and OCBC Rewards Card. Across the lineup, all carry an annual fee of S$196.20, base rates run from 0.4 mpd to 1.3 mpd, and top category bonuses reach 7 mpd on eligible spend. Use the input sidebar to rank the cards by projected annual miles at your monthly spend profile.
SGfi tracks 2 OCBC cashback cards in this comparison: OCBC 365 Credit Card and OCBC INFINITY Cashback Card. Across the lineup, all carry an annual fee of S$196.20, base rates run from 0.3% to 1.6%, and no card declares a category bonus above its base rate. Use the input sidebar to rank the cards by projected annual cashback at your monthly spend profile.
For how each figure is sourced, time-stamped, and built — and what the calculator does and does not model — read our methodology.
Frequently asked questions
Can I hold both a OCBC miles card and a OCBC cashback card?expand_more
Yes. Many Singapore cardholders pair a miles card for travel-leaning and foreign-currency spend with a cashback card for everyday categories. This page ranks all 4 OCBC cards (2 miles and 2 cashback) in one list by the S$-equivalent value each earns at your spending, so you can see which OCBC card leads for your mix and whether a second card adds value.
Which OCBC miles credit cards does SGfi compare?expand_more
SGfi currently compares 2 OCBC Bank miles cards: OCBC 90°N Card and OCBC Rewards Card. Each is ranked by projected annual miles at the monthly spend you enter on the calculator above.
Which OCBC miles card has the lowest annual fee?expand_more
The OCBC 90°N Card has the lowest annual fee at S$196.20 per year among the OCBC miles cards SGfi tracks. Annual fees may be waived for the first year — check the row detail for each card.
Which OCBC miles card has the highest base rate?expand_more
The OCBC 90°N Card has the highest base rate at 1.3 mpd. Some other OCBC cards may earn more on category bonuses — see the comparison summary table on this page for the full rate breakdown.
Does OCBC charge a fee to transfer 90°N Miles to KrisFlyer?expand_more
OCBC 90°N Miles convert to KrisFlyer at a 1:1 ratio with no percentage conversion fee, and the miles never expire. However, OCBC applies a S$25 administrative fee per transfer transaction, the minimum transfer is 1,000 miles, and crediting can take up to 21 working days.
Which OCBC cashback credit cards does SGfi compare?expand_more
SGfi currently compares 2 OCBC Bank cashback cards: OCBC 365 Credit Card and OCBC INFINITY Cashback Card. Each is ranked by projected annual cashback at the monthly spend you enter on the calculator above.
Which OCBC cashback card has the lowest annual fee?expand_more
The OCBC 365 Credit Card has the lowest annual fee at S$196.20 per year among the OCBC cashback cards SGfi tracks. Annual fees may be waived for the first year — check the row detail for each card.
Which OCBC cashback card has the highest base rate?expand_more
The OCBC INFINITY Cashback Card has the highest base rate at 1.6%. Some other OCBC cards may earn more on category bonuses — see the comparison summary table on this page for the full rate breakdown.
How does the OCBC 365 Card annual fee waiver work?expand_more
The OCBC 365 Card waives its annual fee for the first 2 years automatically. From year 3 onwards the S$196.20 fee is waived whenever you spend at least S$10,000 in the preceding membership year. Monthly cashback is capped at S$80 at the S$800 spend tier, rising to S$160 at the S$1,600 tier.