OCBC Rewards Card — Up to 4 mpd on Shopping
Earns up to 4 mpd on shopping & online — and up to 0.4 mpd on everyday spend. Use the simulator to see your projected annual miles.
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| Category | Rate | Miles |
|---|---|---|
| Shopping & online | 4 mpd | 2,400 |
| All other categories (base rate) | 0.4 mpd | 600 |
| Monthly miles | 3,000 | |
| Annual miles | 36,000 | |
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$799) - 50,000 OCBC$ (worth a round trip to Bali) - 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_newEarning the miles is only half the story. The Miles Calculator maps the award destinations you can actually reach from Singapore with it — from quick regional getaways to long-haul flights, in Economy, Business, or First.
Open the Miles Calculator- •4 mpd on Shopping & online — Selected retail categories both online and in stores: duty free, department stores, clothing and shoe stores, sporting goods, luggage, pharmacies, and online retailers. Also Shopee, Lazada, Amazon, AliExpress and more.
- •0.4 mpd base rate on other eligible spend
- •Bonus miles capped at 4,000/mo — base spend continues earning 0.4 mpd uncapped
- •Annual fee: S$196.20 (Waived for the first two years. Thereafter waived with min. annual spend of S$10,000.)
- e-Commerce Protection
All online purchases made using the OCBC Rewards Card come with e-Commerce protection against non-delivery or sellers failing to reimburse after delivering damaged goods.
- Mastercard Priceless Experiences
Access to exclusive Mastercard experiences across travel and entertainment, plus additional merchant offers.
- GrabTransport Tourist Privileges
Complimentary GrabTransport vouchers when booking a ride with Grab in Malaysia, Thailand, Indonesia, Philippines and Vietnam.
- Annual fee
- S$196.20Waived for the first two years. Thereafter waived with min. annual spend of S$10,000.
- Annual fee waiver
- S$10,000 annual spend
- 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 4 miles per S$1 (10 OCBC$) on selected retail and online merchant categories, both online and in stores.
- •Earns a base rate of 0.4 miles per S$1 (1 OCBC$) on all other spend, with no cap on base miles.
- •OCBC$ is a flexible rewards currency that can be converted to airline miles and hotel loyalty points.
- •The S$196.20 annual fee is waived for the first two years.
- •From the third year onward, the annual fee is waived with a minimum annual spend of S$10,000.
- •Online purchases include complimentary e-Commerce Protection against non-delivery or damaged goods.
- •Bonus miles are capped at 4,000 per month (10,000 bonus OCBC$); spend beyond the cap earns only the base rate.
- •The accelerated rate applies only to selected retail and online merchant categories, not to all spend.
- •Grocery and supermarket transactions do not earn bonus miles.
About the OCBC Rewards Card
The OCBC Rewards Card earns 4 mpd on shopping & online, with a 0.4 mpd base rate on other eligible spend. The annual fee is S$196.20 (Waived for the first two years. Thereafter waived with min. annual spend of S$10,000.). Terms and conditions apply.
Miles breakdown
The OCBC Rewards Card earns 4 mpd on shopping & online, plus 0.4 mpd on other eligible spend.
Where this card earns the most
The OCBC Rewards Card earns the most on shopping & online. When those categories dominate the entered spend, the calculator returns higher projected annual miles for this card than for cards without those bonuses.
Other miles cards to compare
Frequently asked questions
Is the OCBC Rewards Card worth it?
The OCBC Rewards Card earns 0.4 mpd on general spend and up to 4 mpd on shopping & online, with a S$196.20 annual fee (waived above S$10,000 a year in spend). Bonus miles are capped at 4,000 per month. Its value depends on how much of your spending falls into those categories — project your miles with the calculator above.
Who is the OCBC Rewards Card for?
The OCBC Rewards Card suits online shoppers — it earns 4 mpd on shopping & online. Spending spread across other categories may earn more on a different card.
How many miles does the OCBC Rewards Card earn?
The OCBC Rewards Card earns 4 mpd on shopping & online, with 0.4 mpd on other 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.
How does miles redemption work?
The OCBC Rewards Card earns flexible reward points that transfer to KrisFlyer or other airline programs. Transfer fees and minimums may apply depending on the bank.
Are these rates guaranteed?
No. Banks update miles rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earning. 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.