OCBC 365 Credit Card
6% on dining and 3% on everyday essentials
OCBC 365 Credit Card
OCBC
- Base rate
- 0.3% on uncategorised spend
- Minimum monthly spend
- S$800 to unlock category rates
- Monthly cashback cap
- S$160/month
- Annual fee
- S$196.20 · First 2 years waived
- Fee waiver
- Spend ≥ S$10,000/yr
- Minimum income
- S$30,000
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View card details → [Affiliate]Cashback rates
As of April 2026Petrol
Up to 29.5% off fuel at Caltex, Esso and Sinopec
6%
Dining
Dining & food delivery
5%
Groceries
Local and overseas or online
3%
Transport
Land transport (Bus, MRT, Taxi)
3%
Utilities
Utility and phone bills
3%
Entertainment
Streaming subscriptions
3%
Other / uncategorised
Default rate on spend outside listed categories.
0.3%
Common exclusions: Insurance, Education, Government payments, Top-ups (e-wallets)
Highlights
- check6% on dining and 3% on everyday essentials
- checkAlso earns 3% on utilities and telecommunication bills
- checkS$80 cap per month (if S$800 spend), S$160 cap (if S$1,600 spend)
- checkAutomatic fee waiver with S$10,000 annual spend
Cashback is projected from your spend per category.
Total monthly
S$2,250
Calculated locally. Adjust the sliders to project your cashback on this card.
Projected cashback on OCBC 365 Credit Card
S$642net / year
Effective rate 2.38% on S$27,000 annual spend
Per-category projection
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Frequently asked questions
How much cashback does the OCBC 365 Credit Card earn?
The OCBC 365 Credit Card earns 5% on dining, 6% on petrol, 3% on groceries, 3% on transport, 3% on utilities, 3% on entertainment, with 0.3% on other eligible spend.
Is there a minimum monthly spend on the OCBC 365 Credit Card?
Yes. OCBC requires a minimum monthly spend of S$800 to unlock the bonus cashback rates. Below this threshold, eligible spend earns 0.3% for the month.
What is the monthly cashback cap?
Total cashback on the OCBC 365 Credit Card is capped at S$160 per month. Once this cap is reached, additional eligible spend in the same month does not earn further cashback.
What is the annual fee on the OCBC 365 Credit Card?
The OCBC 365 Credit Card has an annual fee of S$196.20 — first 2 years waived. From year two, the fee is waived if your annual spend is at least S$10,000.
What spend does not earn cashback?
OCBC typically excludes insurance, education, government payments, top-ups (e-wallets) from cashback eligibility on the OCBC 365 Credit Card. Refer to the official terms for the full exclusions list.
Are the cashback rates guaranteed?
No. Banks update cashback rates, caps, and eligible categories regularly. Numbers on this page are projections based on rates verified as of April 2026, not guarantees of future earnings.
Terms and conditions apply.
Last verified: April 2026
SGfi is for educational purposes and does not constitute financial advice. Please consult a licensed professional before making financial decisions. SGfi may receive compensation from partners featured on this site.
All cashback values are projections based on published bank rates as of April 2026. Actual cashback earned depends on eligibility, exclusions, and rate changes by the issuing bank.