If you’re looking for a credit card that can help you save money on your daily expenses, the OCBC 365 Credit Card might be the right choice for you. This cashback credit card offers rebates on dining, groceries, petrol, land transport, online travel bookings, and recurring telco and electricity bills. With the OCBC 365 Credit Card, you can earn up to 6% cashback on dining and online food delivery, 3% on groceries, land transport, online travel bookings, and recurring telco and electricity bills, and 5% on petrol (up to 22.1% at Caltex).
One of the key features of the OCBC 365 Credit Card is that it offers cashback on a wide range of categories. This makes it a great option for those who want to earn rebates on their everyday expenses. In addition, the card offers a competitive interest rate, making it a good choice for those who want to avoid high interest charges.
If you’re considering applying for the OCBC 365 Credit Card, it’s important to understand the fees and charges associated with the card. While the card offers a range of benefits, it also has an annual fee and other charges that you’ll need to be aware of. By understanding these fees and charges, you can make an informed decision about whether the card is right for you.
Key Takeaways
- The OCBC 365 Credit Card offers cashback on a wide range of categories, making it a good choice for those who want to earn rebates on everyday expenses.
- The card offers a competitive interest rate, making it a good choice for those who want to avoid high interest charges.
- It’s important to understand the fees and charges associated with the card before applying.
Key Features of OCBC 365 Credit Card
If you’re looking for a credit card that offers great cashback benefits across multiple categories, the OCBC 365 Credit Card might be the perfect fit for you. Here are some of the key features of this card that you should know:
Cashback Benefits
The OCBC 365 Credit Card offers cashback benefits across a range of categories, including dining, groceries, petrol, and more. Here’s a breakdown of the cashback rates:
- 6% cashback on fuel spend at all petrol service stations locally and overseas
- 5% cashback on dining (including local, overseas, and online food delivery)
- 3% cashback on groceries, land transport, online travel, recurring telco and electricity bills
- 0.3% cashback on everything else
There is a minimum spend of $800 per month to qualify for the cashback benefits, and there is also a cashback cap of $80 per month.
Annual Fee and Waivers
The OCBC 365 Credit Card has an annual fee of $192.60, but this fee is automatically waived for the first two years if you spend a minimum of $10,000 per year. Additionally, the annual fee can be waived for subsequent years if you spend a minimum of $10,000 per year.
Eligibility and Application Process
To be eligible for the OCBC 365 Credit Card, you must be a working adult in Singapore and either a Singapore citizen or a permanent resident. Foreigners are also eligible if they have a valid employment pass or work permit.
You can apply for the OCBC 365 Credit Card online through the OCBC website. To apply, you will need to provide your NRIC or FIN number, as well as your MyInfo login details. The application process should only take a few minutes, and you should receive a response within a few days.
Overall, the OCBC 365 Credit Card is a great option for anyone looking for a credit card with excellent cashback benefits across multiple categories. With a reasonable annual fee and waiver options, this card is definitely worth considering if you’re in the market for a new credit card.
Maximising Rewards Across Categories
The OCBC 365 Credit Card is a versatile card that offers cashback rewards across several categories. To maximise your rewards, focus on spending in the following categories:
Dining and Food Delivery
With 6% cashback on dining, including food delivery, the OCBC 365 Credit Card is a great choice for foodies. Whether you’re eating out at a local restaurant or ordering in from your favourite online food delivery service, you can enjoy significant savings.
Fuel Savings and Transport
If you’re a frequent driver, the OCBC 365 Credit Card can help you save on fuel costs. With up to 22.1% fuel savings at Caltex and 20.2% at Esso, you can enjoy significant discounts at petrol service stations. The card also offers 5% cashback on fuel at all petrol stations, making it a great choice for those who want to maximise their savings on transport.
Groceries and Everyday Spend
The OCBC 365 Credit Card offers 3% cashback on groceries, transport, and utilities, making it a great choice for everyday spend. Whether you’re buying groceries at your local supermarket or paying your utility bills, you can enjoy significant savings. The card also offers cashback rewards on online travel, telco bills, and even electric vehicle charging.
To maximise your rewards, use the OCBC 365 Credit Card for all your everyday spend, including taxis and EZ-Link payments. By focusing on these categories, you can enjoy significant cashback rewards and rebates.
In summary, the OCBC 365 Credit Card is a great all-round card that offers cashback rewards across several categories. By focusing on dining, fuel savings, and everyday spend, you can maximise your rewards and enjoy significant savings.