If you’re looking for a credit card that rewards you for your everyday spending, the OCBC 365 credit card might just be the one for you. With cashback on dining, groceries, petrol, and public transportation, this card can help you save money on your daily expenses. Plus, with the ability to manage your card online, it’s easy to keep track of your spending and rewards.
The OCBC 365 credit card offers a variety of benefits to cardholders. With cashback on dining, groceries, petrol, and public transportation, you can earn rewards on your everyday spending. And with the ability to manage your card online, you can easily keep track of your rewards and spending. Plus, with no annual fee for the first two years, this card is a great option for those looking to save money.
Key Takeaways:
- The OCBC 365 credit card rewards you for your everyday spending, with cashback on dining, groceries, petrol, and public transportation.
- You can manage your card online, making it easy to keep track of your rewards and spending.
- With no annual fee for the first two years, this card is a great option for those looking to save money.
OCBC 365 Credit Card Overview
If you’re looking for a credit card that rewards you for your daily purchases, then the OCBC 365 Credit Card might be the one for you. This cashback credit card offers a range of benefits that can help you save money on your everyday expenses.
Key Features and Benefits
The OCBC 365 Credit Card offers cashback rewards on a variety of spending categories. Here are some of the key features and benefits:
- 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, public transport, ride-hailing, pharmacy, streaming, and EV charging
- 0.3% cashback on everything else
In addition to the cashback rewards, the OCBC 365 Credit Card also offers other benefits, such as:
- Up to 22.92% fuel savings at Caltex (18% instant discount + 6% cashback on all fuel spend)
- Waiver of the first two years’ annual fee
- Supplementary cardholders can earn cashback too
Understanding Cashback Rewards
The cashback rewards offered by the OCBC 365 Credit Card can help you save money on your everyday expenses. However, it’s important to understand how these rewards work.
To earn cashback, you need to meet the minimum spending requirements for each spending category. For example, to earn 6% cashback on fuel spend, you need to spend at least $800 on the card in a calendar month. If you don’t meet the minimum spending requirements, you won’t earn cashback for that spending category.
It’s also important to note that there is a cap on the amount of cashback you can earn each month. For example, the maximum cashback you can earn on fuel spend is $80 per month. If you exceed the cap, you won’t earn any additional cashback for that spending category.
Overall, the OCBC 365 Credit Card is an excellent choice for anyone looking for a cashback credit card that rewards them for their everyday spending. With a range of benefits and rewards, this card can help you save money on your daily expenses and earn cashback at the same time.
Earning Cashback
If you’re looking for a credit card that rewards you for your everyday spending, the OCBC 365 Credit Card is a great option. With a range of cashback categories, you can earn rewards on everything from dining and groceries to fuel and transport.
Maximising Dining Rewards
One of the key benefits of the OCBC 365 Credit Card is the dining cashback category. You can earn 5% cashback on everyday dining, including local, overseas and online food delivery. This means you can enjoy your favourite meals while earning cashback at the same time. To maximise your dining rewards, be sure to use your OCBC 365 Credit Card whenever you eat out or order in.
Groceries and Online Food Delivery
In addition to dining rewards, the OCBC 365 Credit Card also offers cashback on groceries and online food delivery. You can earn 3% cashback on groceries, land transport, online travel, recurring telco and electricity bills. This means you can enjoy savings on your daily essentials, including groceries and household bills. To maximise your cashback, be sure to use your OCBC 365 Credit Card whenever you shop for groceries or pay your bills online.
Fuel Savings and Transport Perks
Finally, the OCBC 365 Credit Card also offers cashback on fuel and transport. You can earn 6% cashback on fuel spend at all petrol service stations locally and overseas. This means you can enjoy savings on your petrol expenses, whether you’re driving in Singapore or abroad. Additionally, the card offers up to 3% cashback on land transport, including SimplyGo, private hire rides and taxi rides. This means you can enjoy savings on your daily transport expenses, whether you’re commuting to work or exploring the city.
Overall, the OCBC 365 Credit Card is a great option for anyone looking to earn cashback on their everyday spending. With a range of cashback categories, you can earn rewards on everything from dining and groceries to fuel and transport. So why not apply for your OCBC 365 Credit Card today and start earning cashback on your everyday spending?
Eligibility and Fees
If you’re looking for a credit card that rewards you for your everyday spending, the OCBC 365 Credit Card could be the perfect choice for you. But before you apply, it’s important to understand the eligibility requirements and fees associated with this card.
Income and Age Requirements
To be eligible for the OCBC 365 Credit Card, you must be at least 21 years old and meet the minimum income requirements. Singaporeans and Permanent Residents must have a minimum annual income of $30,000, while foreigners must have a minimum annual income of $45,000.
Understanding the Fees Structure
When it comes to fees, the OCBC 365 Credit Card offers a competitive package. For the first two years, the annual fee of $192.60 is waived. After that, you can enjoy an annual fee waiver with a minimum spend of $10,000 per year.
In addition to the annual fee, there are other fees to be aware of. For foreign currency transactions, there is a fee of 2.8% of the transaction amount. Late payment charges are $100, while cash advance transaction fees are 6% of the transaction amount or $15, whichever is higher. Overlimit fees are $40, and late payment fees are $100.
Overall, the OCBC 365 Credit Card is a great option for those looking to earn cashback on their everyday spending. With its competitive fees and eligibility requirements, it’s a card that’s worth considering.
Managing Your Card
As an OCBC 365 Credit Card holder, managing your card is made easy with the bank’s online platform. Here are some tips on how to manage your card effectively:
Meeting the Minimum Spend
To enjoy the maximum cashback of up to S$160, you need to meet a minimum spend of S$1,600 within a calendar month. If you don’t meet this minimum spend, you can still enjoy up to S$80 cashback when you spend a minimum of S$800. You can keep track of your spending through the OCBC Digital app or online banking.
Tracking Cashback and Payments
It’s important to keep track of your cashback and payments to ensure that you are getting the most out of your OCBC 365 Credit Card. You can view your cashback and payment history through the OCBC Digital app or online banking.
To avoid any fees, ensure that you pay your bills on time and in full. If you are unable to pay your bills in full, you can apply for a fee waiver through the bank’s online platform.
Overall, managing your OCBC 365 Credit Card is easy and convenient through the bank’s online platform. By meeting the minimum spend and keeping track of your cashback and payments, you can enjoy the maximum benefits of the card.
Additional Card Benefits
As an OCBC 365 Credit Card holder, you can enjoy a range of exclusive promotions and partnerships. These promotions are designed to help you save money on everyday expenses and enjoy discounts on popular products and services.
Exclusive Promotions and Partnerships
OCBC has partnered with a number of popular brands to offer exclusive discounts and promotions to its cardholders. These brands include online travel platforms, RedMart, restaurants, pharmacy, Netflix, and Spotify. You can enjoy discounts on travel packages, groceries, dining, and entertainment, among other things. Keep an eye out for these promotions and take advantage of them to save money.
Insurance and Protection Services
OCBC 365 Credit Card also offers insurance and protection services to its cardholders. You can enjoy travel insurance when you book your travel with your OCBC 365 Credit Card. You can also enjoy purchase protection, which protects your purchases from accidental damage or theft. Additionally, you can enjoy extended warranty protection, which extends the manufacturer’s warranty on your purchases.
In summary, the OCBC 365 Credit Card offers a range of exclusive promotions and partnerships, as well as insurance and protection services. These benefits are designed to help you save money and protect your purchases. With the OCBC 365 Credit Card, you can enjoy a range of benefits that make everyday life more convenient and affordable.
Frequently Asked Questions
What fabulous perks come with the OCBC 365 Credit Card?
The OCBC 365 Credit Card is packed with exciting benefits that will help you save more money. You can enjoy cashback of up to S$160 when you spend a minimum of S$1,600. Plus, you can earn cashback on a wide range of categories, including dining, groceries, petrol, and online shopping.
How can I maximise my cashback with the OCBC 365 Credit Card?
To maximise your cashback, you should use your OCBC 365 Credit Card for all your daily expenses, such as groceries, dining, and petrol. You can also earn additional cashback by shopping online with your card. Be sure to keep an eye out for exclusive promotions and discounts that are available to OCBC 365 Credit Cardholders.
What’s the minimum spend to unlock the benefits of the OCBC 365 Credit Card?
To unlock the benefits of the OCBC 365 Credit Card, you need to spend a minimum of S$1,600. However, if you prefer to spend less, you can still enjoy cashback of up to S$80 when you spend a minimum of S$800.
How do I go about redeeming my cashback on the OCBC 365 Credit Card?
Redeeming your cashback on the OCBC 365 Credit Card is easy. You can redeem your cashback online via the OCBC internet banking portal or the OCBC mobile app. Alternatively, you can also redeem your cashback by calling the OCBC customer service hotline.
Are there any exclusive benefits for online purchases with the OCBC 365 Credit Card?
Yes, there are exclusive benefits for online purchases with the OCBC 365 Credit Card. You can enjoy cashback of up to 6% on your online purchases, including travel bookings, movie tickets, and more. Plus, you can earn cashback on a wide range of online merchants, including Lazada, Qoo10, and Shopee.
How can I check my transaction history for my OCBC 365 Credit Card?
You can easily check your transaction history for your OCBC 365 Credit Card via the OCBC internet banking portal or the OCBC mobile app. Simply log in to your account and navigate to the “Transaction History” section. Here, you can view all your transactions, including the amount spent, the merchant, and the date of the transaction.