365 Credit Card Singapore: The Ultimate Card for Everyday Spending

Are you looking for a credit card that offers generous cashback rewards on your everyday spending? Look no further than the OCBC 365 Credit Card. This card offers up to 6% cashback on petrol, 5% cashback on dining and food delivery, and 3% cashback on groceries, public transport, ride-hailing, pharmacy, streaming, and EV charging. With its wide range of cashback categories, the OCBC 365 Credit Card is the perfect choice for anyone looking to maximise their rewards on daily essentials.

A hand holding a credit card with "365" on it, against a backdrop of iconic Singapore landmarks

In addition to its cashback rewards, the OCBC 365 Credit Card also offers exclusive benefits for dining and transport. Cardholders can enjoy discounts of up to 20% at over 1,000 restaurants across Singapore, as well as up to 22.92% fuel savings at Caltex petrol stations. Plus, with its comprehensive travel insurance coverage and exclusive access to airport lounges, the OCBC 365 Credit Card is the perfect travel companion.

If you’re looking for a credit card that offers generous cashback rewards on your daily spending, the OCBC 365 Credit Card is the perfect choice. With its wide range of cashback categories, exclusive dining and transport benefits, and comprehensive travel insurance coverage, this card is the ultimate all-in-one solution for your everyday needs.

Key Takeaways

  • The OCBC 365 Credit Card offers up to 6% cashback on petrol, 5% cashback on dining and food delivery, and 3% cashback on groceries, public transport, ride-hailing, pharmacy, streaming, and EV charging.
  • Cardholders can enjoy discounts of up to 20% at over 1,000 restaurants across Singapore, as well as up to 22.92% fuel savings at Caltex petrol stations.
  • The OCBC 365 Credit Card also offers comprehensive travel insurance coverage and exclusive access to airport lounges.

Understanding the OCBC 365 Credit Card

A hand holding an OCBC 365 credit card, with a cashback icon and a dining icon visible on the card, against a backdrop of iconic Singapore landmarks

If you’re looking for a credit card that rewards you for your everyday spending, the OCBC 365 Credit Card is an excellent choice. This card offers a variety of cashback rewards on dining, groceries, petrol, and more. Here’s what you need to know about the OCBC 365 Credit Card.

Key Features

The OCBC 365 Credit Card offers cashback rewards on a wide range of spending categories. Here are some of the key features of this card:

  • 6% cashback on dining
  • 3% cashback on groceries, online shopping, and recurring telco bills
  • 5% cashback on petrol at all petrol stations
  • 0.3% cashback on all other spending

This card also offers a range of discounts and privileges, including discounts on travel bookings, dining, and more.

Eligibility Requirements

To be eligible for the OCBC 365 Credit Card, you must meet the following requirements:

  • You must be at least 21 years old
  • Your minimum annual income must be $30,000 for Singapore citizens and permanent residents, and $45,000 for foreigners
  • You must have a good credit score

Annual Fee and Waivers

The OCBC 365 Credit Card has an annual fee of $192.60, which is waived for the first two years. To continue enjoying the annual fee waiver, you must spend at least $10,000 on the card each year. If you don’t meet the spending requirement, you’ll be charged the full annual fee.

Overall, the OCBC 365 Credit Card is a great choice for anyone who wants to earn cashback rewards on their everyday spending. With a wide range of rewards and discounts, this card offers excellent value for money.

Maximising Cashback Rewards

A hand swipes a credit card through a payment terminal, with the words "Maximising Cashback Rewards 365" prominently displayed

If you are looking for a credit card that rewards you for your everyday spending, the OCBC 365 Credit Card is an excellent choice. With this card, you can earn cashback on a wide range of categories, including dining, groceries, transport, and more. Here are some tips to help you maximise your cashback rewards.

Cashback Categories

The OCBC 365 Credit Card offers cashback rewards on several categories. These categories include dining, groceries, petrol, utilities, and transport. You can earn up to 6% cashback on dining, 3% cashback on groceries, and 22.92% fuel savings at Caltex. You can also earn 3% cashback on land transport, online travel bookings, and recurring electricity and telco bills. Keep in mind that some categories have a minimum spend requirement, so be sure to check the terms and conditions of the card.

Cashback Cap

The OCBC 365 Credit Card has a cashback cap of S$80 per calendar month. This means that you can earn a maximum of S$80 in cashback per month, regardless of how much you spend. However, the cashback cap is divided into two tiers. If you spend less than S$800 per calendar month, you can earn up to S$40 in cashback. If you spend S$800 or more per calendar month, you can earn up to S$80 in cashback.

To maximise your cashback rewards, you should aim to spend at least S$800 per calendar month. This will help you reach the higher cashback tier and earn the maximum cashback of S$80 per month. However, you should also be careful not to overspend, as the card has a minimum spend requirement of S$800 per calendar month to qualify for cashback.

In summary, the OCBC 365 Credit Card is an excellent cashback credit card for those who want to earn rewards on their everyday spending. By understanding the cashback categories and cashback cap, you can maximise your rewards and get the most out of your card.

Exclusive Benefits for Dining and Transport

A luxurious dining setting with a sleek credit card and a stylish mode of transport in the background

If you are looking for a credit card that offers exclusive benefits for dining and transport, the OCBC 365 Credit Card is an excellent choice for you. With this card, you can enjoy cashback on your everyday dining expenses as well as local and overseas transport.

Everyday Dining

The OCBC 365 Credit Card offers up to 6% cashback on your everyday dining expenses. This includes dining at local restaurants as well as overseas ones. You can also enjoy cashback on your food delivery orders from popular food delivery platforms. With a minimum spend of $800 per month, you can enjoy up to $80 cashback per month on your dining expenses.

Local and Overseas Transport

The OCBC 365 Credit Card also offers cashback on your local and overseas transport expenses. You can enjoy up to 3% cashback on your bus and train rides as well as private hire rides. This includes rides on popular ride-hailing platforms such as Grab and Gojek. You can also enjoy cashback on your petrol expenses at all petrol stations in Singapore. With a minimum spend of $800 per month, you can enjoy up to $80 cashback per month on your transport expenses.

If you are a frequent commuter, you can also enjoy the benefits of the SimplyGo feature. With SimplyGo, you can use your OCBC 365 Credit Card to pay for your bus and train rides without the need for an EZ-Link card. You can also enjoy the convenience of paying for your rides with your credit card and receive cashback on your transport expenses at the same time.

In conclusion, the OCBC 365 Credit Card is an excellent choice for those who want to enjoy exclusive benefits for dining and transport. With cashback on your everyday dining expenses as well as local and overseas transport, you can save money on your daily expenses and enjoy the convenience of paying for your rides with your credit card.

Additional Perks for Daily Essentials

A credit card surrounded by daily essentials like groceries, transport cards, and shopping bags, with a prominent "365" logo

If you’re looking for a credit card that offers great cashback on your daily essentials, the OCBC 365 Credit Card is definitely worth considering. Here are some additional perks that you can enjoy when you use this card for your daily expenses:

Groceries and Fuel Savings

With the OCBC 365 Credit Card, you can enjoy up to 6% cashback on your petrol spend at Caltex and Esso. This includes an 18% instant discount and a 6% cashback on all fuel spend. You can also get 3% cashback on your local and overseas groceries, as well as your online food delivery orders.

Utilities and Recurring Bills

The OCBC 365 Credit Card also offers cashback on your recurring bills, such as telco and electricity bills. You can get 3% cashback on your recurring telco bills, as well as your electricity bills from SP Group.

To make the most of your cashback, be sure to meet the minimum spend of S$800 per calendar month. This will allow you to earn an additional 2% cash rebate (capped at S$15) with your POSB Everyday Card.

Overall, the OCBC 365 Credit Card is a great choice for those looking to save on their daily expenses. With its generous cashback offers, you can enjoy significant savings on your groceries, fuel, and utility bills. So why not apply for the OCBC 365 Credit Card today and start enjoying these amazing perks?

Understanding Fees and Charges

A credit card surrounded by various fees and charges symbols, with the Singapore skyline in the background

When it comes to choosing a credit card, understanding the fees and charges associated with it is crucial. In this section, we will take a closer look at the fees and charges associated with the OCBC 365 Credit Card.

Interest Rates and Charges

The interest rate on the OCBC 365 Credit Card is 25.92% per annum. This rate applies to both local and overseas transactions, cash advances, and balance transfers. It is important to note that interest is charged on the outstanding balance of your credit card account.

Late Payment Charges are also applicable if you fail to pay your minimum payment by the due date. You will be charged S$100 if you fail to make a minimum payment by the due date.

Foreign Currency Fees

When you use your OCBC 365 Credit Card for overseas transactions, a foreign currency transaction fee of 2.8% will be charged. This fee is applicable to all overseas transactions, whether you are making a purchase or withdrawing cash.

It is important to note that the exchange rate used for foreign currency transactions is determined by Visa or Mastercard, and not by OCBC Bank. This means that the exchange rate used may differ from the prevailing rate at the time of the transaction.

In conclusion, the OCBC 365 Credit Card is a great option for those who want to earn cashback on their everyday spending. However, it is important to understand the fees and charges associated with the card to avoid any surprises. Keep in mind the interest rate, late payment charges, and foreign currency transaction fees when using your card.

Frequently Asked Questions

A stack of "Frequently Asked Questions" papers next to a 365 credit card against a Singapore backdrop

What splendid perks can one enjoy with the OCBC 365 Credit Card?

The OCBC 365 Credit Card is a fantastic card that offers a wide range of benefits. You can enjoy up to 6% cashback on petrol, 5% cashback on dining, and 3% cashback on groceries, public transport, ride-hailing, pharmacy, streaming, and EV charging. The card also offers discounts on travel bookings, and you can earn rewards points that can be redeemed for vouchers and other exciting gifts.

How does one revel in the OCBC 365 Credit Card cashback offers?

To enjoy the cashback offers on the OCBC 365 Credit Card, you need to use your card for eligible spending. For example, if you want to earn cashback on dining, you need to use your card to pay for meals at eligible restaurants. You can find a list of eligible merchants on the OCBC website. The cashback will be credited to your account automatically, so you don’t need to do anything extra to claim it.

What’s the annual fee waiver scheme for the OCBC 365 Credit Card?

The OCBC 365 Credit Card has an annual fee of S$192.60. However, the fee can be waived if you spend at least S$10,000 on your card in a year. If you don’t meet the spending requirement, the fee will be charged to your account.

Could you illuminate the minimum spend required to unlock the OCBC 365’s benefits?

To enjoy the benefits of the OCBC 365 Credit Card, you need to spend at least S$800 on your card each month. If you don’t meet the minimum spending requirement, you won’t earn any cashback or rewards points for that month.

What promotions are currently dazzling users of the OCBC 365 Credit Card?

The OCBC 365 Credit Card offers a range of exciting promotions throughout the year. Some of the current promotions include discounts on hotel bookings, cashback on online shopping, and rewards points for using your card to pay bills. You can find more information about the latest promotions on the OCBC website.

What’s the minimum income threshold to be eligible for the OCBC 365 Credit Card in Singapore?

To be eligible for the OCBC 365 Credit Card in Singapore, you need to have a minimum annual income of S$30,000. If you meet the income requirement, you can apply for the card online or at any OCBC branch.

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