If you’re looking for a credit card that rewards you for your everyday spending, the OCBC 365 Credit Card may be just what you need. With cashback on everything from groceries to petrol to dining out, this card is designed to help you save money while you spend. And with exclusive perks and promotions available to cardholders, you’ll be able to stretch your budget even further.
The OCBC 365 Credit Card is a popular choice among Singaporeans looking to earn cashback on their everyday spending. With a minimum monthly spend of just $800, you can earn up to $80 in cashback each month. And with a maximum cashback rate of 6%, you’ll be able to save even more on your purchases.
Whether you’re looking to save money on your groceries, petrol, or dining out, the OCBC 365 Credit Card has you covered. And with exclusive perks and promotions available to cardholders, you’ll be able to stretch your budget even further. So if you’re looking for a credit card that rewards you for your everyday spending, the OCBC 365 Credit Card may be just what you need.
Key Takeaways
- The OCBC 365 Credit Card is a great way to earn cashback on your everyday spending.
- With a minimum monthly spend of just $800, you can earn up to $80 in cashback each month.
- Exclusive perks and promotions are available to cardholders, helping you stretch your budget even further.
OCBC 365 Credit Card Overview
If you are looking for a credit card that offers cashback on everyday spending, then the OCBC 365 Credit Card may be the perfect choice for you. With this card, you can enjoy up to 6% cashback on dining, online travel, groceries, telco bills, and even petrol.
Key Features
The OCBC 365 Credit Card comes with a range of key features that make it a great choice for those looking for cashback rewards. Some of the key features include:
- Up to 6% cashback on dining, online travel, groceries, telco bills, and petrol
- 3% cashback on online air and cruise tickets, and recurring telco bills
- 0.3% cashback on everything else
- Annual fee waiver for the first two years
- Supplementary cards are free for life
- $80 cashback when you spend $800 or $160 cashback when you spend $1,600 within the first six months of card approval
Eligibility and Requirements
To be eligible for the OCBC 365 Credit Card, you must meet the following requirements:
- You must be a Singaporean citizen or permanent resident
- You must be at least 21 years old
- Your minimum annual income must be $30,000 for Singaporeans and permanent residents, or $45,000 for foreigners
- You must have a good credit rating
The annual fee for the OCBC 365 Credit Card is $192.60, but this fee is waived for the first two years. After that, the annual fee will be waived if you spend at least $10,000 on the card each year.
In conclusion, the OCBC 365 Credit Card is a great choice for those looking for a credit card that offers cashback on everyday spending. With its range of key features and eligibility requirements, it is definitely worth considering if you are looking for a new credit card.
Rewards and Cashback
If you are looking for a credit card that offers great rewards and cashback rates, then the OCBC 365 Credit Card is definitely worth considering. With this card, you can enjoy cashback at all your favourite brands across various categories – from daily necessities to recurring bills and more. Let’s take a closer look at some of the categories where you can earn cashback.
Dining and Cafes
The OCBC 365 Credit Card is perfect for foodies who love to dine out or order in. You can earn up to 6% cashback on your dining expenses, including restaurants, cafes, and fast food outlets. Whether you are grabbing a quick bite or enjoying a fine dining experience, this card has got you covered.
Groceries and Market
If you love to cook at home, then the OCBC 365 Credit Card can help you save money on your grocery bills. You can earn up to 3% cashback on your grocery purchases, including supermarkets and online grocery stores. This means that you can enjoy great savings on your weekly shopping trips.
Fuel Savings and Transport
If you own a car or use public transport frequently, then the OCBC 365 Credit Card can help you save money on your transportation expenses. You can earn up to 23.9% fuel savings at Caltex and Esso petrol stations, and up to 5% cashback on your Grab rides. This means that you can enjoy significant savings on your daily commute.
Online Expenditures
If you love to shop online, then the OCBC 365 Credit Card can help you earn cashback on your online purchases. You can earn up to 3% cashback on your online expenditures, including shopping, travel, and entertainment. This means that you can enjoy great savings on your favourite online stores and services.
Utilities and Recurring Bills
If you are looking for a credit card that can help you save money on your utilities and recurring bills, then the OCBC 365 Credit Card is a great choice. You can earn up to 3% cashback on your telco bills, electricity bills, and other recurring expenses. This means that you can enjoy great savings on your monthly bills.
Overall, the OCBC 365 Credit Card offers some of the best cashback rates and rewards caps in the market. With its wide range of categories and benefits, this card is perfect for those who want to save money on their daily expenses. So why not apply for the OCBC 365 Credit Card today and start earning cashback on your purchases?
Exclusive Perks and Promotions
As a 365 OCBC cardholder in Singapore, you are entitled to exclusive perks and promotions that make your spending more rewarding. Here are some of the benefits you can enjoy:
Travel and Accommodation
If you’re planning a trip, you can enjoy discounts on online travel bookings and accommodation. With 365 OCBC, you can get up to 8% off on Agoda bookings and up to 10% off on Expedia bookings. You can also enjoy exclusive rates and benefits at over 900 Visa Luxury Hotels worldwide.
Lifestyle and Entertainment
365 OCBC cardholders can enjoy discounts on lifestyle and entertainment activities. You can get up to 20% off on streaming services like Netflix and Spotify, and up to 15% off on cinema tickets. You can also enjoy exclusive access to clubs and events.
In addition to these benefits, 365 OCBC cardholders can also enjoy Visa Concierge Services, which provides 24/7 assistance with travel, dining, and entertainment reservations. With Visa Concierge, you can get access to exclusive events and experiences.
Overall, as a 365 OCBC cardholder in Singapore, you have access to a range of exclusive perks and promotions that make your spending more rewarding. Whether you’re travelling overseas, enjoying entertainment activities or looking for discounts, 365 OCBC has got you covered. So why wait? Apply for your 365 OCBC credit card today and start enjoying these exclusive benefits!
Managing Your Card
If you own an OCBC 365 Credit Card, it is important to know how to manage it effectively. In this section, we will discuss how to manage your card through online banking and the different payment options and fees you may encounter.
Online Banking and Security
One of the best ways to manage your OCBC 365 Credit Card is through online banking. You can access your account online and perform various actions, such as checking your balance, paying bills, and setting up automatic payments. To access your account, you will need to create an online banking account and set up a secure PIN. This will ensure that your account is protected from unauthorized access.
OCBC takes security seriously and has implemented various measures to protect your account. For example, you will need to enter a One-Time Password (OTP) after keying in your 6-digit Online Banking PIN to secure all your credit card transactions. This adds an extra layer of protection to your account and ensures that your transactions are secure.
Payment Options and Fees
When it comes to payment options, OCBC offers several convenient ways to pay your credit card bill. You can pay online through your OCBC online banking account or use the OCBC Mobile Banking app. Alternatively, you can pay your bill through AXS stations, SAM kiosks, or at any OCBC branch.
It is important to note that there are fees associated with using your OCBC 365 Credit Card. For example, there is a minimum spend requirement of $800 per month to qualify for cashback rewards. Additionally, there is an annual fee of $192.60 for the primary cardholder and $96.30 for each supplementary cardholder.
In conclusion, managing your OCBC 365 Credit Card is easy when you know how to do it. By utilizing online banking and understanding the different payment options and fees, you can effectively manage your account and get the most out of your card.
Comparative Analysis
OCBC 365 vs Competitors
When it comes to cashback credit cards in Singapore, the OCBC 365 Card is a popular choice. But how does it compare to its competitors? Let’s take a closer look.
Cashback Rewards
The OCBC 365 Card offers cashback rewards for a variety of categories, including dining, groceries, petrol, and more. With a cashback rate of up to 6%, this card is a great option for everyday spending.
Compared to the UOB One Card, which offers a cashback rate of up to 5%, the OCBC 365 Card comes out on top. However, the POSB Everyday Card offers a higher cashback rate of up to 8% for certain categories, such as dining and groceries.
Rewards Rates
While the OCBC 365 Card offers a decent cashback rate, it’s important to consider the rewards rates of its competitors. For example, the UOB One Card offers a higher cashback rate for certain categories, such as petrol.
Minimum Spend Requirements
One downside of the OCBC 365 Card is its minimum spend requirements. To qualify for the cashback rewards, you need to spend a minimum of $800 per month. This can be difficult for some consumers, especially those on a tight budget.
Compared to the POSB Everyday Card, which has no minimum spend requirement, the OCBC 365 Card may not be the best option for those looking to save money.
Monthly Rewards
Another thing to consider is the monthly rewards cap. With the OCBC 365 Card, you can earn up to $80 in cashback rewards per month. While this may be enough for some consumers, others may find it limiting.
Compared to the UOB One Card, which has a monthly cap of $300, the OCBC 365 Card falls short. However, the POSB Everyday Card has a monthly cap of $100, which is lower than the OCBC 365 Card, but still higher than some other cashback credit cards.
In conclusion, the OCBC 365 Card is a great option for those looking for a cashback credit card with a decent rewards rate. However, it’s important to consider the minimum spend requirements and monthly rewards cap, as well as the rewards rates of its competitors.
Frequently Asked Questions
What smashing benefits can you enjoy with the OCBC 365 Credit Card?
With the OCBC 365 Credit Card, you can enjoy an array of smashing benefits such as dining discounts, cashback on groceries, petrol, and transport, and much more. You can earn up to 6% cashback on your daily spend when you use your OCBC 365 Credit Card.
How can you qualify for the dazzling cashback with the OCBC 365 Credit Card?
To qualify for the dazzling cashback with the OCBC 365 Credit Card, you need to be a Singaporean or Permanent Resident with a minimum annual income of $30,000. You also need to be at least 21 years old.
What are the current thrilling promotions available for OCBC 365 Credit Card holders?
As an OCBC 365 Credit Card holder, you can enjoy various thrilling promotions such as cashback on online shopping, dining discounts, and more. Currently, you can earn up to 20% cashback on your online shopping with selected merchants.
What’s the minimum salary requirement to get your hands on the OCBC 360 account?
To get your hands on the OCBC 360 account, you need to have a minimum salary of $2,000 per month. This account is perfect for those who want to maximize their savings and earn bonus interest rates.
Is there a minimum balance to maintain in your OCBC 360 account, and what are the perks if you do?
Yes, there is a minimum balance to maintain in your OCBC 360 account. You need to have a minimum balance of $3,000 to earn bonus interest rates. The perks of maintaining this balance include bonus interest rates of up to 3.45% per annum, cashback on bills, and more.
How does the OCBC 360 account stack up against others for maximising your savings?
The OCBC 360 account is a great option for maximizing your savings as it offers bonus interest rates on your account balance. It also offers cashback on bills and other exciting perks. Compared to other savings accounts, the OCBC 360 account stands out for its high bonus interest rates and extensive range of benefits.