OCBC 365 Card — Up to 5% Dining, 3% Groceries
Earns up to 6% on petrol, up to 5% on dining, up to 3% on groceries, up to 3% on transport, up to 3% on streaming, up to 3% on recurring utilities & telco, and up to 3% on watsons — on the max tier. Use the simulator to see your projected annual cashback.
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| Category | Effective rate | Cashback |
|---|---|---|
| Dining | 5% | S$15 |
| Groceries | 3% | S$6 |
| Streaming | 3% | S$18 |
| All other categories (base rate) | 0.25% | S$3 |
| Monthly cashback | S$42 | |
| Annual cashback | S$498 | |
For shopping & online spend, this card stacks more than one rule — the calculator earns at the highest applicable rate first and only rolls any leftover (after that rule's cap) into the next rule, then the base rate. Your real-world rate depends on which merchants you use.
New-to-OCBC cardholders who apply through this link and spend min. S$400 in qualifying transactions within 30 days of card approval choose one: - S$400 Cash via PayNow - 25,000 Max Miles by HeyMax - Dyson Airstrait (worth S$799) - Dyson V8 Cyclone (worth S$559) - Galaxy Buds4 Pro + S$180 eCapitaVoucher bundle (worth S$529) Top-up options available (iPad, Airwrap, MacBook and others — shown on the SingSaver page).
Reward fulfilled by SingSaver. Terms and conditionsopen_in_new
Applyopen_in_new- •0.25% base rate on all eligible spend
- S$800+/mo tier:
- •5% on Dining — Local and overseas dining at merchants classified as Dining; online food delivery at Deliveroo, foodpanda and GrabFood.
- •3% on Groceries — Local and overseas groceries at merchants classified as Grocery, including online groceries (e.g. FairPrice Online, RedMart).
- •3% on Transport — Bus and MRT rides via SimplyGo; local and overseas private hire rides (Grab excluding GrabPay, Gojek, TADA); local and overseas taxi rides (e.g. ComfortDelGro).
- •6% on Petrol — All petrol kiosks locally and overseas classified as Petrol. Fleet card spend excluded. EV charging stations (e.g. SP Digital, Greenlots, CDG ENGIE, City Energy)
- •3% on Streaming — Streaming services including Netflix, Disney+, Spotify and Apple Music.
- •3% on Recurring Utilities & Telco — Recurring telco bills (SingTel, Starhub, M1, MyRepublic, Circles.Life, Liberty Wireless) and recurring electricity bills (Geneco, Keppel Electric, Sembcorp Power, Senoko Energy, Singapore Power) set up as recurring payments.
- •3% on Watsons — All purchases at Watsons stores and Watsons Online.
- S$1,600+/mo tier:
- •5% on Dining — Local and overseas dining at merchants classified as Dining; online food delivery at Deliveroo, foodpanda and GrabFood.
- •3% on Groceries — Local and overseas groceries at merchants classified as Grocery, including online groceries (e.g. FairPrice Online, RedMart).
- •3% on Transport — Bus and MRT rides via SimplyGo; local and overseas private hire rides (Grab excluding GrabPay, Gojek, TADA); local and overseas taxi rides (e.g. ComfortDelGro).
- •6% on Petrol — All petrol kiosks locally and overseas classified as Petrol. Fleet card spend excluded. EV charging stations (e.g. SP Digital, Greenlots, CDG ENGIE, City Energy)
- •3% on Streaming — Streaming services including Netflix, Disney+, Spotify and Apple Music.
- •3% on Recurring Utilities & Telco — Recurring telco bills (SingTel, Starhub, M1, MyRepublic, Circles.Life, Liberty Wireless) and recurring electricity bills (Geneco, Keppel Electric, Sembcorp Power, Senoko Energy, Singapore Power) set up as recurring payments.
- •3% on Watsons — All purchases at Watsons stores and Watsons Online.
- •Total monthly cashback cap ranges from S$80 (base tier) to S$160 (top tier)
- •Annual fee: S$196.20 (Waived for 2 years. Automatically waived with minimum spend of S$10,000.)
Crossing a monthly-spend threshold unlocks better rates — base and bonus categories can both shift.
- Fuel Discounts
Enjoy up to 29.5% off fuel at Caltex, Esso, and Sinopec service stations.
- OCBC 360 Account Bonus Interest
Earn up to 1.95% a year on the first S$100,000 in your OCBC 360 Account.
- Annual fee
- S$196.20Waived for 2 years. Automatically waived with minimum spend of S$10,000.
- Annual fee waiver
- S$10,000 annual spend
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.78%
- Cash advance interest rate (p.a.)
- 28.92%
- Cash advance service charge
- S$15 or 8% of amount withdrawn, whichever is greater
- Minimum payment
- S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount
- Interest-free period
- 23 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$45,000
- Minimum age: 21
Show eligibility detailsHide eligibility details
At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 55 At least S$15,000 for Singaporeans and Singapore PRs aged above 55 At least S$45,000 for foreigners
- •Earns 6% cashback on petrol spend (local and overseas, including EV charging stations) when monthly spend reaches S$800.
- •Earns 5% cashback on dining (local and overseas) and online food delivery via Deliveroo, foodpanda, and GrabFood when monthly spend reaches S$800.
- •Covers seven bonus cashback categories — dining, groceries, transport, petrol, streaming, recurring utilities & telco, and Watsons — under a single card.
- •Annual fee of S$196.20 is waived for the first 2 years and automatically waived in subsequent years with a minimum annual spend of S$10,000.
- •Monthly cashback cap doubles from S$80 to S$160 when monthly spend reaches S$1,600.
- •Bonus cashback rates only apply when monthly spend meets the S$800 minimum threshold; spend below this level earns only the base cashback rate of 0.25%.
- •Cashback is capped at S$80 per month for spends between S$800 and S$1,599, and at S$160 per month for spends of S$1,600 and above.
- •A wide range of transaction types are excluded from cashback earning, including tax payments, bill payments via AXS or SAM, cash advances, balance transfers, and instalment plans.
- •Foreign currency transactions incur a fee of 3.25% of the transaction amount.
- •Recurring utilities and telco cashback applies only to specific listed providers (e.g. SingTel, Starhub, M1, Geneco, Keppel Electric) and must be set up as recurring payments to qualify.
What spend is excluded from cashback?
Spend in these categories does not earn the published cashback rates on the OCBC 365 Card.
- •Annual card fees
- •Cash-On-Instalments
- •Instalment Payment Plan
- •PayLite
- •Tax payments
- •Interest charges
- •Late payment charges
- •Cash advances
- •Balance transfers
- •Bill payments made via Internet Banking, AXS or SAM network
- •Other fees and charges
The information above is a summary and may be incomplete or outdated. Always refer to OCBC's official terms and conditions for the authoritative version.
About the OCBC 365 Card
The OCBC 365 Card is a tiered cashback card from OCBC. Base-tier earning is 0.25% on every eligible dollar. At its top qualifying tier (S$1,600/mo+), the card reaches up to 6% on petrol, 5% on dining, 3% on groceries, 3% on transport, and 3% on streaming. Singapore cashback cards with spend tiers reward consistent monthly spending — falling short of a tier threshold drops earning back to the previous tier's rates for that statement cycle. The annual fee is S$196.20 (Waived for 2 years. Automatically waived with minimum spend of S$10,000.). Terms and conditions apply.
Cashback breakdown
At the base tier, the OCBC 365 Card earns 0.25% on every eligible dollar. From S$800/mo qualifying spend, the card earns 6% on petrol, 5% on dining, 3% on groceries, 3% on transport, 3% on streaming, 3% on recurring utilities & telco, and 3% on watsons. From S$1,600/mo qualifying spend, the card earns 6% on petrol, 5% on dining, 3% on groceries, 3% on transport, 3% on streaming, 3% on recurring utilities & telco, and 3% on watsons. The total monthly cashback cap shifts between tiers, from S$80.00 at the base tier up to S$160.00 at the top tier.
Where this card earns the most
The OCBC 365 Card is built for consolidated monthly spend — its bonus rates only activate once qualifying spend crosses a tier threshold. At its peak tier (S$1,600/mo+), the calculator returns higher projected monthly cashback for petrol, dining, groceries, transport, streaming, recurring utilities & telco, and watsons spend than for cards without those bonuses. Below the lowest tier (S$800/mo), every eligible dollar earns the 0.25% base rate.
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Frequently asked questions
Is the OCBC 365 Card worth it?
The OCBC 365 Card earns 0.25% cashback on general spend and up to 6% on petrol and 5% on dining, with a S$196.20 annual fee (waived above S$10,000 a year in spend). Bonus rates require at least S$800 in monthly spend and total cashback is capped between S$80 and S$160 per month by tier. Its value depends on how much of your spending falls into those categories — project your cashback with the calculator above.
Who is the OCBC 365 Card for?
The OCBC 365 Card suits drivers, frequent diners, and household and grocery spenders — it earns up to 6% on petrol, 5% on dining, and 3% on groceries. Spending spread across other categories may earn more on a different card.
How much cashback does the OCBC 365 Card earn?
The OCBC 365 Card has 3 earning tiers in total. At the base tier, every eligible dollar earns 0.25%. From S$800/mo qualifying spend, the card earns 6% on petrol, 5% on dining, 3% on groceries, 3% on transport, 3% on streaming, 3% on recurring utilities & telco, and 3% on watsons. From S$1,600/mo qualifying spend, the card earns 6% on petrol, 5% on dining, 3% on groceries, 3% on transport, 3% on streaming, 3% on recurring utilities & telco, and 3% on watsons.
Is there a minimum monthly spend?
There's no single minimum spend — the OCBC 365 Card upgrades its earning rates as your monthly spend crosses each tier threshold. At S$800/mo+ the card unlocks 5% on dining, 3% on groceries, 3% on transport, 6% on petrol, 3% on streaming, 3% on recurring utilities & telco, and 3% on watsons. At S$1,600/mo+ the card unlocks 5% on dining, 3% on groceries, 3% on transport, 6% on petrol, 3% on streaming, 3% on recurring utilities & telco, and 3% on watsons. Below the lowest tier, the card earns the base 0.25% rate.
What is the monthly cashback cap?
Total cashback on the OCBC 365 Card is capped per statement month — S$80.00 at the base tier, rising to S$160.00 once the top spend tier is unlocked. Once the active tier's cap is reached, additional eligible spend in the same month does not earn further cashback.
Can the annual fee be waived?
Yes. The S$196.20 annual fee is waived for cardholders who spend at least S$10,000.00 in a card year.
Are these rates guaranteed?
No. Banks update cashback rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earnings. Terms and conditions apply.
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.