Are you looking for a credit card that can help you save money on everyday expenses? If so, the OCBC 365 Credit Card may be just what you need. With this card, you can earn cashback on dining, groceries, fuel, and online food delivery, among other things. In this article, we will provide an overview of the OCBC 365 Credit Card and explain how you can maximise your cashback.
The OCBC 365 Credit Card is one of the most popular cashback credit cards in Singapore. It offers up to 6% cashback on dining, groceries, and online food delivery, as well as up to 22.92% fuel savings at Caltex stations and up to 20.2% fuel savings at Esso stations. In addition, you can earn 3% cashback on online air and cruise tickets, recurring telco bills, and more. The card also comes with a range of other benefits, including access to exclusive promotions and partnerships.
To be eligible for the OCBC 365 Credit Card, you must be a Singapore citizen or permanent resident with an annual income of at least $30,000. Foreigners must have an annual income of at least $45,000. The card has an annual fee of $192.60, which is waived for the first two years. If you’re looking for a credit card that can help you save money on everyday expenses, the OCBC 365 Credit Card is definitely worth considering.
Key Takeaways
- The OCBC 365 Credit Card offers up to 6% cashback on dining, groceries, and online food delivery, as well as up to 22.92% fuel savings at Caltex stations and up to 20.2% fuel savings at Esso stations.
- To be eligible for the card, you must be a Singapore citizen or permanent resident with an annual income of at least $30,000. Foreigners must have an annual income of at least $45,000.
- The card has an annual fee of $192.60, which is waived for the first two years.
OCBC 365 Credit Card Overview
If you’re looking for a credit card that offers a range of cashback benefits, the OCBC 365 Credit Card could be the right choice for you. With a variety of features and benefits, this card is designed to help you save money on everyday spending.
Key Features and Benefits
The OCBC 365 Credit Card offers a range of benefits that can help you save money on a variety of everyday expenses. Some of the key features of this card include:
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Cashback rewards: With the OCBC 365 Credit Card, you can earn cashback on a range of everyday expenses, including dining, groceries, petrol, and more. You can earn up to 6% cashback on dining and online food delivery, 3% cashback on groceries, and 5% cashback on petrol.
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Annual fee waiver: The OCBC 365 Credit Card offers an annual fee waiver for the first two years, which can help you save money on card fees.
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Additional perks: In addition to cashback rewards, the OCBC 365 Credit Card also offers a range of additional perks, including discounts on travel bookings, access to exclusive events, and more.
Understanding Cashback Rewards
Cashback rewards are a key feature of the OCBC 365 Credit Card, and can help you save money on a range of everyday expenses. To earn cashback rewards, simply use your card for eligible purchases, such as dining, groceries, petrol, and more.
The amount of cashback you can earn depends on the type of purchase you make. For example, you can earn up to 6% cashback on dining and online food delivery, 3% cashback on groceries, and 5% cashback on petrol.
Overall, the OCBC 365 Credit Card is a great choice for anyone looking to save money on everyday expenses. With a range of cashback benefits and additional perks, this card can help you make the most of your spending in Singapore.
Eligibility and Fees
Income Requirements
To be eligible for the OCBC 365 Credit Card, you must be a Singaporean or Singapore PR above 21 years old with an annual income of at least S$30,000. Foreigners above 21 years old with an annual income of at least S$45,000 are also eligible.
Annual Fees and Waivers
The OCBC 365 Credit Card has an annual fee of S$192.60, which is waived for the first two years. After that, you can enjoy a waiver of the annual fee for subsequent years by spending a minimum of S$10,000 per year on your card.
It is worth noting that the minimum monthly spend required to earn cashback is S$800, and you can earn a maximum cashback of S$80 per month. If you spend S$1,600 or more per month, you can earn up to S$160 cashback per month.
Overall, the OCBC 365 Credit Card is a great option for those who want to earn cashback on their everyday spending. With its competitive cashback rates and extensive list of eligible merchants, this card is a great choice for anyone looking to save money on their daily expenses.
Maximising Cashback
If you’re looking to maximise your cashback rewards with the OCBC 365 Credit Card, here are some tips to help you get the most out of your spending.
Dining and Groceries
The OCBC 365 Credit Card offers 6% cashback on dining and online food delivery, as well as 3% cashback on groceries. To maximise your cashback in these categories, consider dining out or ordering in more frequently, and make sure to do your grocery shopping with your OCBC 365 Credit Card.
Transport and Fuel
The OCBC 365 Credit Card offers 5% cashback on petrol spend (up to 22.1% at Caltex), as well as 3% cashback on land transport, such as bus and train rides. To maximise your cashback in these categories, consider using your OCBC 365 Credit Card to pay for your daily commute, and make sure to fill up your petrol at Caltex to get the maximum fuel savings.
Utilities and Bills
The OCBC 365 Credit Card offers 3% cashback on recurring telco and electricity bills, as well as online travel bookings. To maximise your cashback in these categories, consider switching your telco and electricity providers to those that accept credit card payments, and make sure to book your travel online using your OCBC 365 Credit Card.
Remember, to qualify for cashback rewards on the OCBC 365 Credit Card, you must meet the minimum spend of $800 per month, and cashback is capped at $80 per month. By following these tips, you can maximise your cashback rewards and get the most out of your OCBC 365 Credit Card.
Exclusive Promotions and Partnerships
