Get Excited for Up to 6% Cashback with OCBC 365 Credit Card Rebate in Singapore

If you’re looking for a credit card that offers generous cashback rewards on everyday purchases, the OCBC 365 Credit Card could be the perfect choice for you. This card is designed to help you save money on essential expenses, from fuel and groceries to dining and entertainment. With a range of cashback categories and other benefits, the OCBC 365 Credit Card is a popular choice for many Singaporeans.

A vibrant Singaporean street scene with iconic landmarks and bustling shopping districts, showcasing the benefits of using the OCBC 365 credit card for rebates

One of the main attractions of the OCBC 365 Credit Card is its cashback rewards programme. The card offers cashback on a range of categories, including dining, groceries, petrol, and recurring bills. By using your card to pay for these expenses, you can earn cashback rewards of up to 6%, helping you save money on your everyday spending. Additionally, the card offers a range of other benefits, such as discounts on petrol and access to exclusive travel deals.

However, it’s important to understand the terms and conditions of the OCBC 365 Credit Card before you apply. There are minimum spend requirements and cashback caps that you need to be aware of, and you’ll need to make sure that you use your card responsibly to avoid incurring high interest charges. With that said, 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.

Key Takeaways

  • The OCBC 365 Credit Card offers generous cashback rewards on a range of categories, including dining, groceries, petrol, and recurring bills.
  • To maximise your benefits, you’ll need to understand the terms and conditions of the card, including the minimum spend requirements and cashback caps.
  • With a range of other benefits, such as discounts on petrol and exclusive travel deals, the OCBC 365 Credit Card is a popular choice for many Singaporeans looking to save money on their everyday spending.

OCBC 365 Credit Card Overview

A colorful credit card surrounded by various items symbolizing different rebate categories, such as dining, groceries, and utilities. The card is prominently displayed with the OCBC 365 logo

If you’re looking for a credit card that rewards you for your daily spending, then the OCBC 365 Credit Card might be just what you need. This credit card offers cashback on a range of spending categories, including dining, groceries, fuel, and more. Here’s what you need to know about the OCBC 365 Credit Card.

Key Features

The OCBC 365 Credit Card offers a range of features that make it an attractive option for those looking to earn cashback on their daily spending. Some of the key features of this credit card include:

  • Cashback on everyday spending: The OCBC 365 Credit Card offers cashback on a range of spending categories, including dining, groceries, fuel, and more. You can earn up to 6% cashback on fuel spending, 5% cashback on dining (including online food delivery), and 3% cashback on groceries, land transport, online travel, recurring telco and electricity bills. You can also earn 0.3% cashback on all other spending.

  • Annual fee waiver: The OCBC 365 Credit Card comes with an annual fee of $192.60, but this fee is waived for the first two years. To continue enjoying the annual fee waiver, you will need to spend at least $10,000 per year on your card.

  • Contactless payments: You can use your OCBC 365 Credit Card for contactless payments using Apple Pay or Google Pay.

Eligibility and Application Process

To be eligible for the OCBC 365 Credit Card, you will need to meet the following criteria:

  • You must be a Singaporean citizen or permanent resident.

  • You must be between the ages of 21 and 65.

  • You must have an annual income of at least $30,000 (for Singaporeans and permanent residents) or $45,000 (for foreigners).

  • You must have a good credit score.

To apply for the OCBC 365 Credit Card, you can do so online through the OCBC website. You will need to provide your personal details, income information, and MyInfo details to complete the application process. Once your application is approved, you will receive your credit card within 7 to 10 working days.

Overall, the OCBC 365 Credit Card is a great option for those looking to earn cashback on their daily spending. With its range of cashback categories and contactless payment options, this credit card is a convenient and rewarding choice for Singaporean consumers.

Cashback Benefits and Categories

A stack of shopping bags with various logos, a receipt, and a credit card with "OCBC 365" on it, surrounded by icons representing different cashback categories

When it comes to cashback benefits, the OCBC 365 Credit Card offers you some of the most generous rewards in Singapore. With this card, you can earn up to 6% cashback on your daily expenses, including dining, groceries, fuel, and online food delivery.

Dining and Online Food Delivery

If you’re a foodie, you’ll love the OCBC 365 Credit Card’s dining benefits. You can earn up to 5% cashback on your dining expenses at over 1,000 restaurants in Singapore. Additionally, you can enjoy up to 3% cashback on online food delivery services like Deliveroo and Foodpanda. This means that you can indulge in your favourite meals without worrying about breaking the bank.

Fuel Savings and Transport

The OCBC 365 Credit Card also offers some of the best fuel savings in Singapore. You can earn up to 6% cashback on your fuel expenses at Esso, Caltex, and Sinopec petrol stations. This means that you can save money on your daily commute or road trips. Additionally, you can earn up to 3% cashback on your land transport expenses, including taxi rides, bus and train fares, and ERP charges.

Groceries and Everyday Spending

The OCBC 365 Credit Card is perfect for those who want to save money on their daily expenses. You can earn up to 3% cashback on your groceries, including online grocery shopping. This means that you can save money on your weekly grocery bills. Additionally, you can earn up to 6% cashback on your utilities bills, including electricity, water, and gas bills. This means that you can save money on your monthly household expenses.

Overall, the OCBC 365 Credit Card is a great choice for those who want to earn generous cashback rewards on their daily expenses. With its dining, fuel, and grocery benefits, you can save money on the things you love while enjoying great rewards.

Understanding the Terms and Conditions

A person reading a document titled "OCBC 365 Credit Card Terms and Conditions" with a credit card and calculator on the table

If you are considering getting the OCBC 365 credit card in Singapore, it is important to understand the terms and conditions that come with its rebate programme. Here is what you need to know.

Minimum Spend Requirements

To qualify for cash rebates, you must spend a minimum of $800 per month on eligible transactions. These transactions include:

  • MCC 5541 (Service Stations)
  • MCC 5542 (Automated Fuel Dispensers)
  • Travel-related transactions
  • Recurring telecommunications bill payments

Please refer to Clause 2(d) and Clause 2(e) of the terms and conditions for more information on these transactions.

Cashback Caps and Limitations

The cashback is capped at $80 per month for spending between $800 and $1,599. If you spend $1,600 and above, the cashback is capped at $160 per month. However, if you spend less than $800 per month, you will not receive any cashback.

It is important to note that the cashback excludes fleet card top-ups such as Abecha Esso Fleet Card or Speedpass, or similar top-up transactions. Requests for advance crediting of the Rebate will not be entertained.

To ensure that you get the most out of this credit card, make sure you understand the terms and conditions and meet the minimum spend requirements. Keep in mind the cashback caps and limitations to avoid any surprises. With these in mind, you can enjoy the benefits of the OCBC 365 credit card and make the most of its promotions.

Maximising Your Card Benefits

A person swiping an OCBC 365 credit card at a Singaporean merchant, with various benefits and rebates displayed on the card

When it comes to maximising your OCBC 365 Credit Card benefits, there are a few strategic spending tips to keep in mind. By spending wisely and taking advantage of partner promotions and vouchers, you can earn even more cashback on your daily spend.

Strategic Spending Tips

To get the most out of your OCBC 365 Credit Card, it’s important to focus your spending on the categories that offer the highest cashback rates. For example, the card offers 6% cashback on dining, both locally and overseas, as well as on online food delivery. By using your card to pay for meals and food deliveries, you can earn significant cashback rewards.

In addition to dining, the OCBC 365 Credit Card offers 5% cashback on petrol, up to 22.92% fuel savings at Caltex and 20.2% with Esso. By using your card to pay for petrol, you can save money on your fuel expenses while earning cashback rewards.

Partner Promotions and Vouchers

Another way to maximise your OCBC 365 Credit Card benefits is to take advantage of partner promotions and vouchers. The card offers various discounts and promotions with partner brands, such as Lazada, Zalora, and Agoda. By using your card to make purchases on these sites, you can earn additional cashback rewards.

In addition to partner promotions, the OCBC 365 Credit Card also offers vouchers for various categories, such as dining, travel, and shopping. By redeeming these vouchers, you can save money on your daily expenses while earning cashback rewards.

Overall, the OCBC 365 Credit Card offers a range of benefits and rewards for various lifestyle categories. By spending strategically and taking advantage of partner promotions and vouchers, you can maximise your cashback rewards and save money on your daily expenses.

Additional Perks and Features

The scene shows a sleek credit card with "OCBC 365" prominently displayed, surrounded by icons representing perks and features like cash rebates, dining discounts, and travel privileges

As an OCBC 365 Credit Card holder, you can enjoy exclusive dining and hotel deals. You can get up to 20% off at selected restaurants in Singapore, including Paradise Group, TungLok Group, and Crystal Jade Group. You can also enjoy up to 25% off at selected hotels in Singapore and Malaysia, including Amara Hotels & Resorts, PARKROYAL Hotels & Resorts, and Shangri-La Hotels & Resorts.

Exclusive Dining and Hotel Deals

With the OCBC 365 Credit Card, you can get a 5% cashback on dining and food delivery, including local, overseas, and online food delivery. You can also get a 6% cashback on weekend dining and 3% cashback on weekday dining. This means you can save money while enjoying delicious meals at your favourite restaurants.

Lifestyle and Retail Offers

The OCBC 365 Credit Card also offers lifestyle and retail offers. You can enjoy up to 20% off at selected retail brands, including Adidas, ASOS, and Zalora. You can also get up to 10% off at selected department stores, including Robinsons and Metro. Additionally, you can get up to 5% cashback on all your purchases, with no minimum spend required.

In conclusion, the OCBC 365 Credit Card is a great option for those who want to save money on their daily expenses. With its dining cashback, hotel discounts, and unlimited cashback, you can enjoy great savings while living your best life.

Frequently Asked Questions

A bright, modern credit card sits on a sleek desk, surrounded by icons representing different categories for 365-day rebates. The card is prominently labeled "OCBC 365" in bold letters

How can I qualify for the OCBC 365 credit card rebates?

To qualify for the OCBC 365 credit card rebates, you must be a Singaporean citizen or permanent resident with a minimum annual income of $30,000. Foreigners with a minimum annual income of $45,000 are also eligible.

What are the cashback benefits of the OCBC 365 credit card?

The OCBC 365 credit card offers cashback benefits on everyday spending, including 6% cashback on fuel spend at all petrol service stations locally and overseas, 5% cashback on everyday dining (including local, overseas, and online food delivery), 3% cashback on groceries, land transport, online travel, recurring telco, and electricity bills, and 0.25% cashback on everything else.

What is the minimum expenditure required to earn rebates on the OCBC 365 credit card?

There is no minimum expenditure required to earn rebates on the OCBC 365 credit card. However, do note that certain categories of spending have a cap on the amount of cashback you can earn per month.

Are there any annual fees for the OCBC 365 credit card, and how can they be waived?

Yes, there is an annual fee of $192.60 for the OCBC 365 credit card, but it can be waived with a minimum annual spend of $10,000. Additionally, the first two years of annual fees are waived for new customers.

How do I go about redeeming my accumulated cashback on the OCBC 365 credit card?

You can redeem your accumulated cashback on the OCBC 365 credit card via the OCBC mobile app or internet banking. The cashback can be used to offset your credit card bills or converted into vouchers.

What are the terms and conditions I should be aware of for the OCBC 365 credit card rebates?

Some important terms and conditions to be aware of include the monthly cap on cashback for certain spending categories, the minimum spend required to waive the annual fee, and the eligibility criteria for the card. Be sure to read the full terms and conditions before applying for the card.

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