OCBC INFINITY Cashback Card — Up to 1.6% Unlimited
OCBC INFINITY Cashback Card earns 1.6% flat on all eligible spend. Enter your monthly spending to see the projected annual cashback it earns for you. Rates as of 31 Jul 2026
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| Category | Effective rate | Cashback |
|---|---|---|
| All other categories (base rate) | 1.6% | S$34 |
| Monthly cashback | S$34 | |
| Annual cashback | S$403 | |
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- •1.6% base rate on all eligible spend
- •Uncapped — no monthly cap on total cashback earned
- •Annual fee: S$196.20 (First year waived)
- e-Commerce Protection
Online purchases made with the card are covered by e-Commerce protection against non-delivery or sellers failing to reimburse for damaged goods.
- Mastercard Exclusives
Access to Mastercard cardholder benefits, including Priceless experiences, e-commerce benefits and merchant offers.
- GrabTransport Tourist Privileges
Complimentary GrabTransport vouchers when booking a Grab ride in Malaysia, Thailand, Indonesia, the Philippines and Vietnam.
- Annual fee
- S$196.20First year waived
- 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- S$15 or 8% of amount withdrawn, whichever is greater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
Min. annual income S$30,000 for Singaporeans/PRs aged 21-55, S$15,000 for those above 55, and S$45,000 for foreigners.
- •Earns 1.6% unlimited cashback on all spend, both local and overseas.
- •No minimum spend is required to start earning cashback.
- •There is no cap on the amount of cashback that can be earned.
- •The S$196.20 annual fee is waived for the first year.
- •The annual fee is waived in subsequent years with at least S$10,000 in annual spend.
- •Online purchases are covered by e-Commerce protection against non-delivery or unreimbursed damaged goods.
- •After the first year, the S$196.20 annual fee applies unless at least S$10,000 is charged to the card in a year.
- •A foreign-currency transaction fee of 3.25% applies to overseas transactions.
- •The flat 1.6% rate provides no elevated cashback on specific spend categories.
- •Retail purchases accrue interest at 27.78% per annum if the balance is not paid in full.
About the OCBC INFINITY Cashback Card
The OCBC INFINITY Cashback Card earns a flat 1.6% cashback on all eligible spend — no categories, no tracking. The annual fee is S$196.20 (First year waived). Terms and conditions apply.
Cashback breakdown
Every dollar spent on the OCBC INFINITY Cashback Card earns 1.6%, a flat rate across all eligible categories. At an assumed S$2,000/month, SGfi estimates roughly S$384 cashback a year before any caps.
Where this card earns the most
The OCBC INFINITY Cashback Card earns a uniform rate across all eligible categories — no category tracking required. The projected rate stays flat regardless of how spend is split.
Other cashback cards to compare
Frequently asked questions
Is the OCBC INFINITY Cashback Card worth it?
The OCBC INFINITY Cashback Card earns a flat 1.6% cashback on all eligible spend, with a S$196.20 annual fee (waived above S$10,000 a year in spend). It has no minimum spend and no monthly cashback cap. Its value depends on your total monthly spend — project your cashback with the calculator above.
Who is the OCBC INFINITY Cashback Card for?
The OCBC INFINITY Cashback Card suits everyday spenders who want a uniform rate without tracking categories — it earns 1.6% on all eligible spend.
How much cashback does the OCBC INFINITY Cashback Card earn?
The OCBC INFINITY Cashback Card earns a flat 1.6% on all eligible spend.
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.
Does the OCBC INFINITY Cashback Card charge foreign transaction fees?
Yes. The OCBC INFINITY Cashback Card charges a 3.3% foreign-currency transaction fee on spend billed in a currency other than Singapore dollars. The fee is charged separately from the cashback you earn, so it applies whether or not the spend qualifies for a bonus rate. Terms and conditions apply.
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 31 Jul 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.
OCBC governing terms: Official terms (PDF)