If you’re looking for a credit card that offers rewards for your everyday spending, the OCBC Titanium Rewards Card may be worth considering. This credit card allows you to earn rewards points for every dollar you spend, which can then be redeemed for a variety of rewards, including shopping vouchers, air miles, and cash rebates.
One of the key benefits of the OCBC Titanium Rewards Card is that it offers higher rewards points for specific spending categories. For example, you can earn 10x OCBC$ (equivalent to 4 air miles) per S$1 spent on eligible online and retail purchases at Apple, Shopee, H&M, and more. Additionally, you can earn 15x OCBC$ (or 6 miles) for every S$1 spent at selected popular retailers, with new selections every three months.
If you’re someone who regularly spends on these categories, the OCBC Titanium Rewards Card could be a great way to earn rewards for your spending. However, it’s important to understand the reward categories and how to maximize your rewards to get the most out of the card. Keep reading to learn more about the OCBC Titanium Rewards Card and how you can make the most of its rewards programme.
Key Takeaways
- The OCBC Titanium Rewards Card offers rewards points for every dollar you spend, which can be redeemed for a variety of rewards including shopping vouchers, air miles, and cash rebates.
- The card offers higher rewards points for specific spending categories, such as eligible online and retail purchases at Apple, Shopee, and H&M, and selected popular retailers.
- To maximize your rewards, it’s important to understand the reward categories and how to use the card efficiently.
Earning and Maximising Rewards
If you are looking to earn rewards and maximise your benefits, the OCBC Titanium Rewards Card is an excellent choice. With this card, you can earn rewards for every dollar you spend. Here are some of the ways you can earn and maximise rewards with this card.
Shopping Rewards
The OCBC Titanium Rewards Card offers some of the best shopping rewards in Singapore. You can earn 15 OCBC$ per dollar spent at selected popular retailers, and 10 OCBC$ per dollar spent on certain retail categories, both online and in stores. The list of selected retailers changes every three months, so make sure you keep an eye out for the latest updates.
Some of the popular retailers that you can earn rewards with include Lazada, Qoo10, Shopee, Mustafa Centre, and many more. You can earn rewards on a wide range of products, including electronics, clothing, sporting goods, luggage, leather goods, and shoes.
Dining and Travel Perks
The OCBC Titanium Rewards Card also offers great dining and travel perks. You can earn 10 OCBC$ per dollar spent on dining and overseas spend, making it an excellent card to use when you are travelling. You can also earn up to 120,000 bonus OCBC$ a year, now capped at 10,000 bonus OCBC$ a month.
Online Shopping Benefits
If you love shopping online, you will be happy to know that the OCBC Titanium Rewards Card offers excellent online shopping benefits. You can earn 10 OCBC$ per dollar spent on Amazon, Lazada, Qoo10, Shopee, and many other online retailers. You can also earn rewards on a wide range of products, including electronics, clothing, sporting goods, luggage, leather goods, and shoes.
In conclusion, the OCBC Titanium Rewards Card is an excellent choice if you want to earn rewards and maximise your benefits. With great shopping rewards, dining and travel perks, and online shopping benefits, this card is perfect for anyone who loves to shop, travel, and dine out. So, if you want to start earning rewards today, apply for the OCBC Titanium Rewards Card now!
Understanding Reward Categories
If you’re considering getting an OCBC Titanium Credit Card, it’s important to understand how the reward categories work. This will help you maximize your rewards and get the most out of your spending.
Local and Overseas Spend
When you use your OCBC Titanium Credit Card for local or overseas spend, you earn OCBC$ points. For every S$5 spent, you earn 5 OCBC$ points. This applies to both local and foreign currency transactions.
Merchant Category Codes (MCC)
The OCBC Titanium Credit Card rewards you for spending in specific merchant categories. These categories include department stores, duty-free stores, sporting goods stores, sports and riding apparel, luggage or leather goods stores, and pharmacies.
To earn rewards, you must make purchases at merchants with the appropriate MCC. For example, if you make a purchase at a department store, you will earn 10 OCBC$ points for every S$1 spent.
To help you understand which merchants fall into which category, OCBC provides a list of MCCs on their website. This list is regularly updated, so it’s important to check it before making a purchase.
Overall, the OCBC Titanium Credit Card rewards you for spending in a variety of merchant categories. By understanding how these categories work, you can maximize your rewards and get the most out of your spending.
Exclusive Cardholder Benefits
As an OCBC Titanium Rewards Credit Card holder, you get access to a range of exclusive perks and benefits. Here are some of the benefits you can enjoy:
Annual Fee and Waivers
The annual fee for the OCBC Titanium Rewards Credit Card is S$192.60 per year. However, the good news is that you can get the annual fee waived for the first two years if you spend a minimum of S$10,000 per year. Additionally, you can also get the annual fee waived for subsequent years if you spend a minimum of S$10,000 per year.
Special Promotions and Vouchers
As a cardholder, you get access to a range of special promotions and vouchers. For example, you can get up to 12% off at Tangs, up to 18% off at Esso, and up to 12% off at Courts and IKEA. Additionally, you can also enjoy exclusive promotions and discounts at other merchants.
Moreover, you can earn up to 120,000 bonus OCBC$ per card anniversary year, which is equivalent to 48,000 air miles. You can also redeem your OCBC$ for vouchers, products, or lifestyle experiences. Plus, you can enjoy 10 times the usual OCBC$ (equivalent to 4 air miles or 2.78% cash rebate) for every S$1 spent at eligible shopping MCCs/Merchants.
In conclusion, the OCBC Titanium Rewards Credit Card offers a range of benefits and perks that make it an excellent choice for those who enjoy shopping both online and offline. With its annual fee waiver, special promotions and vouchers, and other exclusive benefits, this credit card is sure to help you get more out of your shopping experience.
Applying for the OCBC Titanium Rewards Card
If you are interested in applying for the OCBC Titanium Rewards Card, here is what you need to know.
Eligibility and Application Process
To be eligible for the OCBC Titanium Rewards Card, you must be a Singaporean or Permanent Resident with a minimum age of 21 years old. You must also have a minimum annual income of $30,000.
The application process is simple and can be done online or in-person at any OCBC branch. If you choose to apply online, you can use MyInfo to pre-fill your application form with your personal information, making the process even faster.
When applying, you will need to provide your personal details, employment information, and income information. You will also need to provide supporting documents such as your NRIC, latest payslip, and IRAS statement.
Once your application is approved, you will receive your OCBC Titanium Rewards Card within 7-10 working days.
Benefits of the OCBC Titanium Rewards Card
The OCBC Titanium Rewards Card is a great card for those who love online shopping. With 4 miles per dollar spent on eligible online transactions, you can earn rewards quickly. Plus, the card comes with e-commerce protection, which helps protect you against fraudulent transactions when shopping online.
In addition to online shopping rewards, the OCBC Titanium Rewards Card also offers 4 miles per dollar spent on eligible offline transactions at select merchants, such as department stores and electronics stores.
Overall, the OCBC Titanium Rewards Card is a great choice for those who want to earn rewards while shopping both online and offline. With a simple application process and great rewards, it’s definitely worth considering.
Managing Your Card Efficiently
If you’re looking to get the most out of your OCBC Titanium Rewards Credit Card, then managing it efficiently is key. Here are some tips to help you do just that.
Fees and Charges
Before you start using your card, it’s important to understand the fees and charges that come with it. The annual fee for the OCBC Titanium Rewards Credit Card is S$192.60, but this fee is waived for the first two years. There are also other fees and charges to be aware of, such as the cash advance fee, which is 6% of the amount withdrawn or S$15 (whichever is higher), and the late payment fee, which is S$100.
Conversion Rates and Cash Rebates
One of the benefits of the OCBC Titanium Rewards Credit Card is the cash rebates you can earn. You can earn 10 times the usual OCBC$ (equivalent to 4 air miles or 2.78% cash rebate) for every S$1 spent at selected shopping MCCs/Merchants. You can also earn up to 120,000 bonus OCBC$ a year, now capped at 10,000 bonus OCBC$ a month.
To convert your OCBC$ to cash rebates, you can exchange 3,600 OCBC$ for a S$10 cash rebate. You can also exchange your OCBC$ for vouchers from popular retailers, products or experiences via the OCBC Rewards program. Additionally, you can exchange your OCBC$ for loyalty points across 9 airline and hotel partner programmes via the STACK Marketplace.
To get the most out of your cash rebates, it’s important to keep track of your spending. Make sure you meet the minimum spend requirements to earn the cash rebates and consider using your card for everyday expenses to maximize your rewards. Additionally, consider opening a 360 Account to earn bonus interest on your savings, which you can then use to pay off your credit card bill.
Overall, managing your OCBC Titanium Rewards Credit Card efficiently can help you earn the most cash rebates and rewards possible. By understanding the fees and charges, keeping track of your spending, and taking advantage of the conversion rates and cash rebates, you can make the most out of your credit card.
Frequently Asked Questions
How can you maximise your rewards with the OCBC Titanium Credit Card?
To maximise your rewards with the OCBC Titanium Credit Card, you should use it for your everyday purchases. You can earn OCBC$ for every dollar you spend, and these points can be redeemed for a variety of rewards. In addition, you can earn bonus OCBC$ when you spend at selected merchants, such as department stores and online retailers. Be sure to check the list of participating merchants to make the most of your rewards.
What exclusive benefits do OCBC Titanium cardholders enjoy?
OCBC Titanium cardholders enjoy a range of exclusive benefits, including discounts on dining, shopping, and travel. You can also enjoy complimentary travel insurance when you charge your travel expenses to your card. In addition, you can earn cashback on your purchases, and enjoy exclusive access to events and promotions.
How do you redeem your OCBC Titanium Rewards points?
You can redeem your OCBC Titanium Rewards points for a variety of rewards, including vouchers, merchandise, and air miles. To redeem your points, simply log in to your OCBC Online Banking account and select the reward you want. You can also redeem your points in person at an OCBC branch.
Are there any travel perks associated with the OCBC Titanium Credit Card?
Yes, there are several travel perks associated with the OCBC Titanium Credit Card. You can enjoy complimentary travel insurance when you charge your travel expenses to your card. In addition, you can earn air miles when you use your card to book flights and hotels. You can also enjoy discounts on car rentals, airport transfers, and more.
Do OCBC Titanium Rewards points have an expiry date?
Yes, OCBC Titanium Rewards points have an expiry date. Your points will expire three years from the date they were earned. Be sure to redeem your points before they expire to make the most of your rewards.
Can you explain the OCBC STACK rewards programme?
The OCBC STACK rewards programme is a digital loyalty programme that allows you to earn rewards for your everyday spending. You can earn STACK points when you use your OCBC Titanium Credit Card, and these points can be redeemed for a variety of rewards, including vouchers, merchandise, and air miles. You can also earn bonus STACK points when you spend at selected merchants. To participate in the STACK rewards programme, simply download the OCBC Pay Anyone app and link your OCBC Titanium Credit Card.