If you’re looking for a credit card that offers great rewards and benefits, you might want to consider getting an OCBC credit card in Singapore. With a range of credit cards to choose from, OCBC offers something for everyone, whether you’re looking for cashback, rewards, or miles.
One of the most popular OCBC credit cards in Singapore is the OCBC 365 Card, which offers up to 6% cashback on dining, groceries, and petrol. If you’re a frequent traveler, you might want to consider the OCBC Voyage Card, which offers exclusive travel perks and rewards. Meanwhile, the OCBC Frank Card is a great option for young adults who love online shopping and entertainment.
When choosing an OCBC credit card, it’s important to consider your spending habits and lifestyle to find the card that offers the most benefits for you. You should also take into account the fees and charges associated with each card, as well as the eligibility requirements and application process.
Key Takeaways
- OCBC credit cards in Singapore offer a range of rewards and benefits, including cashback, rewards, and miles.
- The OCBC 365 Card, OCBC Voyage Card, and OCBC Frank Card are popular options for different spending habits and lifestyles.
- When choosing an OCBC credit card, consider fees and charges, eligibility requirements, and the application process.
Exploring OCBC Credit Card Varieties in Singapore
If you’re looking for a credit card that offers great rewards and benefits, OCBC has a range of options to choose from. In this section, we’ll explore three of the best OCBC credit cards in Singapore: the OCBC 365 Credit Card, the OCBC Titanium Rewards Card, and the OCBC Voyage Card.
OCBC 365 Credit Card
The OCBC 365 Credit Card is a popular choice for those who want to earn cashback on their everyday spending. With this card, you can earn up to 6% cashback on dining, groceries, and online food delivery, as well as up to 3% cashback on all other spending. To qualify for the cashback, you’ll need to spend at least $800 per month.
In addition to the cashback, the OCBC 365 Credit Card also offers a range of other benefits, including discounts on petrol, entertainment, and travel. If you’re looking for a credit card that can help you save money on your everyday expenses, the OCBC 365 Credit Card is definitely worth considering.
OCBC Titanium Rewards Card
If you’re a frequent shopper, the OCBC Titanium Rewards Card is a great option. With this card, you can earn up to 10X OCBC$ (or 4 air miles) for every $1 spent on clothes, shoes, bags, and department store purchases. You can also earn up to 4X OCBC$ (or 1.6 air miles) for every $1 spent on other retail purchases.
The OCBC Titanium Rewards Card also offers a range of other benefits, including discounts on dining, petrol, and travel. If you’re someone who loves to shop and wants to earn rewards for your spending, the OCBC Titanium Rewards Card is definitely worth considering.
OCBC Voyage Card
The OCBC Voyage Card is a premium credit card that offers a range of exclusive benefits and privileges. With this card, you can earn up to 2.3 air miles for every $1 spent on local spending and up to 2.4 air miles for every $1 spent on overseas spending. You can also enjoy access to over 1,000 airport lounges worldwide and receive complimentary travel insurance.
In addition to the travel benefits, the OCBC Voyage Card also offers a range of lifestyle perks, including discounts on dining, shopping, and entertainment. If you’re someone who loves to travel and wants to enjoy a range of exclusive benefits and privileges, the OCBC Voyage Card is definitely worth considering.
Overall, OCBC credit cards offer a range of benefits and rewards to suit different lifestyles and spending habits. Whether you’re looking for cashback, rewards points, or exclusive privileges, there’s an OCBC credit card that’s right for you.
Maximising Rewards and Rebates
If you’re looking to get the most out of your OCBC credit card, it’s important to understand the different rewards and rebate programmes available to you. Here are some of the best ways to maximise your benefits:
Cashback and Rebate Programmes
OCBC offers several credit cards that provide cashback or rebate benefits for a variety of spending categories. For example, the OCBC 365 Card provides cashback on dining, groceries, and petrol, while the OCBC Titanium Rewards Card offers rebates on shopping and entertainment expenses. The OCBC Frank Card is also a great option for young adults, as it provides cashback on online shopping and entertainment expenses.
Air Miles and Travel Perks
For those who love to travel, OCBC has several credit cards that offer air miles and travel perks. The OCBC Voyage Card is a premium travel card that provides exclusive benefits such as lounge access, travel insurance, and concierge services. The OCBC 90°N Card is a great option for frequent flyers, as it provides air miles rewards and Agoda promotions. The OCBC Titanium Rewards Card also offers air miles rewards, as well as rebates on travel-related expenses.
Dining and Retail Benefits
If you enjoy dining out or shopping, OCBC has several credit cards that offer benefits in these categories. The OCBC 365 Card provides cashback on dining, while the OCBC Titanium Rewards Card offers rebates on shopping and entertainment expenses. The OCBC Frank Card is also a great option for those who love to shop, as it provides cashback on online shopping and entertainment expenses.
When it comes to dining, OCBC also partners with several popular food delivery services such as Deliveroo and foodpanda, offering discounts and cashback for orders placed with these services.
Overall, there are many ways to maximise your rewards and rebates with an OCBC credit card. By choosing the right card for your spending habits and taking advantage of the available benefits, you can save money and earn valuable rewards on your purchases.
Understanding Fees and Charges
If you are considering getting an OCBC credit card, it is essential to understand the fees and charges that come with it. This section will provide you with an overview of the fees and charges you can expect to encounter when using an OCBC credit card.
Annual Fees and Waivers
OCBC credit cards come with different annual fees, depending on the card you choose. Some cards have no annual fees, while others have fees that range from $96.30 to $535.00. However, most cards offer annual fee waivers for the first year or two. For example, the OCBC 365 Credit Card has an annual fee of $192.60, which is waived for the first two years.
It is important to note that some cards have conditions for annual fee waivers. For instance, you may need to spend a certain amount on the card each year to qualify for the waiver. Therefore, it is crucial to read the terms and conditions of your chosen card to understand the annual fee waiver policy.
Interest Rates and Charges
Interest rates and charges are another crucial aspect to consider when choosing an OCBC credit card. The interest rate charged on your card depends on the type of card you have and your creditworthiness. Generally, credit cards charge interest rates ranging from 25% to 28% per annum.
In addition to interest rates, OCBC credit cards also come with other charges, such as late payment fees, cash advance fees, and balance transfer fees. Late payment fees can range from $80 to $120, while cash advance fees can range from 6% to 8% of the amount withdrawn. Balance transfer fees can range from 1.80% to 2.50% of the amount transferred.
It is essential to understand the interest rates and charges that come with your chosen card to avoid any surprises. Make sure to read the terms and conditions carefully and keep track of your spending to avoid late payment fees.
In summary, when choosing an OCBC credit card, it is crucial to understand the fees and charges that come with it. Make sure to read the terms and conditions carefully and keep track of your spending to avoid any unwanted charges.
Eligibility and Application Process
If you’re looking for the best OCBC credit card in Singapore, you’ll first need to know if you meet the eligibility requirements. The income and credit requirements will vary depending on the specific card you’re interested in, so it’s important to do your research.
Income and Credit Requirements
Most OCBC credit cards require a minimum annual income of $30,000 for Singaporeans and Permanent Residents (PRs), and $45,000 for foreigners. Some cards, such as the OCBC Voyage Card, have higher income requirements. Additionally, you’ll need to have a good credit score to be approved for an OCBC credit card.
Online Application Made Easy
The good news is that you can easily apply for an OCBC credit card online. If you’re a Singaporean or PR with SingPass and MyInfo, you can complete the application process entirely online. Foreigners will need to fill out an online form and wait for OCBC to get in touch within 5 days to update them on their application status.
To apply for an OCBC credit card online, simply log in to your OCBC internet banking account and navigate to the “Credit Card” section. Select the card you’re interested in and submit your personal details. You’ll also need to confirm the name you want on your card. Once you’ve reviewed and submitted your application, you’ll be done!
Overall, the application process for an OCBC credit card is straightforward and easy to complete online. Just make sure you meet the income and credit requirements for the card you want before applying.
Exclusive Promotions and Partnerships
As an OCBC credit cardholder, you can enjoy exclusive promotions and partnerships that offer you great deals and discounts on a range of products and services. Here are some of the best promotions and partnerships that you can take advantage of with your OCBC credit card.
Shopping and Online Deals
If you love shopping, then you’ll be pleased to know that OCBC credit cards offer some of the best shopping and online deals in Singapore. For example, you can get up to 10% cashback on your purchases at Best Denki when you pay with your OCBC credit card. Additionally, you can enjoy exclusive discounts and deals when you shop online with your OCBC credit card.
Petrol Savings and Transport Offers
If you’re looking to save money on petrol and land transport, then you’ll be happy to know that OCBC credit cards offer some great deals in this area. For example, you can enjoy up to 20.88% savings on petrol at Caltex and Esso petrol stations when you pay with your OCBC credit card. Additionally, you can enjoy discounts on your Grab rides when you pay with your OCBC credit card.
Overall, OCBC credit cards offer some of the best promotions and partnerships in Singapore. Whether you’re looking to save money on shopping, petrol, or land transport, there’s a deal for you. So, if you’re looking for a credit card that offers great benefits and rewards, then you should definitely consider getting an OCBC credit card.
Frequently Asked Questions
What are the top perks of the OCBC 365 Credit Card?
The OCBC 365 Credit Card offers a range of benefits, including cashback on dining, groceries, and petrol. You can earn up to 6% cashback on dining, 3% cashback on groceries, and 23.9% savings on petrol. In addition, the card offers cashback on online shopping, recurring telco bills, and more.
How does one apply for an OCBC credit card as a foreigner?
Foreigners can apply for an OCBC credit card if they meet the eligibility criteria. They need to have a valid work permit or employment pass and earn a minimum annual income of $45,000. The application process is simple and can be done online or in person at an OCBC branch.
Can you tell me about the exclusive benefits of the OCBC Titanium Credit Card?
The OCBC Titanium Credit Card offers a range of exclusive benefits, including cashback on shopping, dining, and entertainment. You can earn up to 10% cashback on shopping, 6% cashback on dining, and 10% cashback on entertainment. In addition, the card offers complimentary travel insurance and access to exclusive dining and lifestyle privileges.
What is the eligibility criteria for foreigners to obtain an OCBC credit card?
Foreigners need to meet the following eligibility criteria to obtain an OCBC credit card:
- Valid work permit or employment pass
- Minimum annual income of $45,000
- Age between 21 and 65 years old
How can I quickly reach the OCBC credit card customer service?
You can quickly reach the OCBC credit card customer service by calling the hotline at 1800 363 3333. The hotline is available 24 hours a day, 7 days a week. Alternatively, you can also reach them through the OCBC mobile app or by visiting an OCBC branch.
What makes the OCBC Infinite Card an outstanding choice?
The OCBC Infinite Card offers a range of exclusive benefits, including unlimited access to airport lounges worldwide, complimentary limousine transfers, and golfing privileges. In addition, the card offers cashback on dining, entertainment, and overseas spending. With its high earn rate and exclusive benefits, the OCBC Infinite Card is an outstanding choice for frequent travellers and high spenders.