Quick answer: Choosing the right OCBC credit card in Singapore comes down to your spending personality. The INFINITY card delivers unlimited 1.6% cashback with zero hassle, while the 365 card packs up to 6% on dining and groceries. Frequent travellers lean towards the 90°N or VOYAGE for miles, and FRANK offers a fresh take with eco-friendly cashback. Here’s how each one shapes up.
Choosing an OCBC credit card is less about numbers and more about signalling the kind of adult you’ve become. Some chase miles like art, others treat cashback as an aesthetic of simplicity. This edit picks apart which card quietly says the right thing about your weekends, your wanderlust, and your relationship with money.
One of 33 guides in Best Credit Cards in Singapore — worth a look if you are still weighing options.
OCBC VOYAGE Card
If you’re the sort who collects miles like some people collect sneakers, the OCBC VOYAGE Card makes it genuinely effortless. It’s built for big earners who want miles that never expire and a card that gets out of their way when they travel.
Earn 2.2 VOYAGE miles for every S$1 you spend overseas, and 1.3 miles on local transactions — and those miles never die. You redeem them for any airline, any time, with no blackout dates. Complimentary limo transfers, priority lounge access, and the ability to convert miles into cash rebates or hotel stays sweeten the deal. The core sell: miles that work like cash, no expiry, no calendar-watching.
If you fly often but hate planning months ahead, this card gives you real flexibility. Contact OCBC at 1800 363 3333 or drop by OCBC Centre, 65 Chulia Street, Singapore 049513 (Mon–Fri 9am–4:30pm, Sat 9am–11:30am). OCBC VOYAGE Card. High-net-worth travellers who treat lounges and limo rides as standard — this is your card.
This is for the traveller who treats a loyalty programme as a long-term collection, not a short-term deal. The VOYAGE suits someone who values invisible infrastructure—points that never vanish, redemption that never feels like a negotiation. It’s a quiet flex for people who move through Changi with no friction.
OCBC INFINITY Cashback Card
Straight-up cashback, no math, no minimum spend, no cap. The OCBC INFINITY Cashback Card gives 1.6% on all your local online, transport, and overseas transactions — clean and automatic.
Cashback gets credited monthly without you lifting a finger. The card also comes with usual OCBC dining and shopping privileges. The beauty is in the boring: it just works, month after month, regardless of what you buy. If tracking categories and bonus cycles makes you sian, this one is a shiok no-brainer.
Reach OCBC through the same branch at 65 Chulia Street, or call 1800 363 3333. OCBC INFINITY Cashback Card. Ideal for anyone with a steady high spend across many categories who just wants cash back without chasing quarterly targets. If you spend a lot on transport apps or overseas platforms, the unlimited earn adds up fast.
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The INFINITY card appeals to the minimalist who finds pleasure in a clean statement page. No mental maths, no quarterly categories to remember—just a steady 1.6% that credits itself. It’s for those whose favourite number is zero effort, and who’d rather spend their bandwidth on that zi char order.
OCBC 365 Credit Card
The OCBC 365 Credit Card transforms regular makan, grocery runs, and petrol stops into serious cashback. If you know your monthly dining bill almost by heart, this card pays you back for it.
Up to 6% cashback on dining, food delivery, and groceries; 3% on utilities and transport; and fuel savings of up to 26.8%. There’s a monthly cap of S$160, which is enough for most households to max out without trying. When your GrabFood orders alone could fund a small nation, lah, the 6% rate is one of the higher dining earners OCBC offers.
For a wider look at dining-focused cards, see our Dining Credit Cards in Singapore guide. Contact OCBC at 1800 363 3333, or visit OCBC Centre, 65 Chulia Street. OCBC 365 Credit Card. Families, foodies, and anyone whose weekend revolves around dining out and grocery hauls — this card is practically built for you.
Built for the person whose calendar is carved by meal plans and petrol top-ups, the 365 card rewards the rhythm of a well-stocked kitchen and a full dinner table. It doesn’t ask you to roam; it asks you to live, and pays you back for the groceries and casual suppers that anchor a household.
OCBC Rewards Card
Shopping and contactless payments get amplified with the OCBC Rewards Card. It earns up to 15 OCBC$ per S$1 on online and tap-and-go transactions, covering fashion, electronics, and dining.
Those points are flexible — redeem for cash rebates, miles, or vouchers later. There’s a monthly cap of 10,000 OCBC$, which still gives you plenty of runway if your Lazada and Shopee carts stay full. The flexibility to change rewards later makes it feel less rigid than some pure cashback cards.
Reach OCBC at 1800 363 3333 or swing by OCBC Centre, 65 Chulia Street (Mon–Fri 9am–4:30pm, Sat 9am–11:30am). OCBC Rewards Card. Shopaholics who like building points that can be cashed out or turned into miles for a last-minute trip — this one keeps pace with your retail therapy.
This card belongs to the chameleon shopper who wants to change their rewards as often as their feed refreshes. Points that become miles one quarter, vouchers the next—it’s for the person who refuses to be pinned down. It signals fluency in the language of deals, all while tapping through a crowded checkout.
OCBC 90°N Card
For those who see travel as a necessity, not a luxury, the OCBC 90°N Card earns miles at a steady clip: 2.1 miles per S$1 overseas, 1.3 locally, and up to 7 miles on hotel bookings via Agoda. No expiry, and you get travel insurance and lounge access tucked in.
The hotel booking multiplier is a neat trick if you plan your own trips. Miles never dying means you can stash them for years and redeem for flights, upgrades, or even convert to cash. It’s a cleaner, less atas version of the VOYAGE — solid miles, fewer frills.
If you’re after more miles-focused cards, see our Credit Cards for Airline Miles in Singapore list. Call 1800 363 3333 or visit OCBC Centre, 65 Chulia Street. OCBC 90°N Card. Frequent travellers who want a dependable miles card without the super-premium tier — students and young professionals starting to travel will find it approachable.
The 90°N card suits the self-planner who sees a flight sale as a prompt, not a panic. With miles that sit patiently and a hotel multiplier that rewards a hands-on approach, it speaks to the traveller who believes the world is always open, just waiting for a well-timed click.
FRANK Credit Card
The FRANK Credit Card feels made for the digital, eco-conscious crowd. Up to 8% cashback on foreign and online/contactless transactions, plus an extra 2% at green merchants — all capped at S$100 a month.
If you’re always tapping your phone to pay and like supporting sustainable brands, the 8% rate on those spends is solid. The green merchant bonus gives your daily coffee or thrift-store find a little extra kickback. Just keep an eye on the cap, but for digitally native spending habits, it’s a natural fit.
Premium Credit Cards for Young Adults in Singapore for Sophisticated Starter might also be worth a look if you’re starting your card journey. Contact OCBC at 1800 363 3333 or head to OCBC Centre, 65 Chulia Street. FRANK Credit Card. Young adults, digital natives, and anyone who wants a card that aligns with their values — if you’d rather tap than pull out a physical card, this one’s for you.
FRANK is the card for the person whose wallet is a phone case and whose spending habits align with their values. It’s for the one who gets a small kick when their oat milk latte or vintage tee earns a little extra back. A bit swee, really—proof that small green choices can feel quietly rewarding.
OCBC NXT Card
Big-ticket buys get smoother with the OCBC NXT Card. Eligible purchases automatically split into interest-free instalments over 3 or 6 months, and you still earn a 1% cash rebate on monthly bills above S$1,000.
No need to call the bank — it auto-converts large transactions into predictable monthly payments, keeping cash flow steady. If you often pick up furniture, gadgets, or plan big household purchases, the auto-instalment feature takes the stress out of lump-sum payments. The rebate is modest but adds up on high spending.
This list is editorial, not advertising. Run something similar? Tell us what you do and we will take a look.
Reach OCBC at 1800 363 3333 or visit OCBC Centre, 65 Chulia Street, Singapore 049513 (Mon–Fri 9am–4:30pm, Sat 9am–11:30am). OCBC NXT Card. Strategic spenders who prefer predictable monthly payments and budget hawks who pay off their card in full but want the float on bigger buys — this card is a practical tool, not a flashy one.
How to choose
Start with your largest monthly spend. If food and groceries dominate, the OCBC 365 card’s 6% rate is hard to beat — but remember the S$160 cap. If you spread your money across many categories or simply hate tracking, the INFINITY card’s unlimited 1.6% is fuss-free. Travel miles without expiry? Pick between the VOYAGE (premium perks, limo, lounge) and the 90°N (solid earn rates, more accessible). Online shoppers will find the Rewards card’s high OCBC$ rate handy, while the FRANK card adds a green twist for digital spenders. For managing large purchases in bites, the NXT card’s auto-instalments are unique. Annual fees vary, so confirm with OCBC before applying — some may have waivers tied to spending.
| Card | Type | Top Earn Rate | Monthly Cap | Annual Fee |
|---|---|---|---|---|
| OCBC VOYAGE | Travel Miles | 2.2 miles/S$1 overseas | No cap | Check with OCBC |
| OCBC INFINITY | Unlimited Cashback | 1.6% cashback all spend | No cap | Check with OCBC |
| OCBC 365 | Category Cashback | Up to 6% (dining, groceries) | S$160 | Check with OCBC |
| OCBC Rewards | Points (Shopping) | Up to 15 OCBC$/S$1 (online/contactless) | 10,000 OCBC$ | Check with OCBC |
| OCBC 90°N | Travel Miles | Up to 7 miles/S$1 (Agoda bookings) | No cap on miles | Check with OCBC |
| FRANK | Digital/Green Cashback | 8% (foreign, online, contactless) + 2% green | S$100 | Check with OCBC |
| OCBC NXT | Instalments + Rebate | 1% cash rebate on bills >S$1,000 | N/A (instalment-based) | Check with OCBC |
Summary
The OCBC credit card lineup has something for almost every spending habit. Whether you’re after unlimited cashback, high dining rewards, or travel miles that won’t expire, one of these cards will fit. Take a look at your own monthly expenses first — that’ll point you straight to the right pick.
Disclaimer: Details can change. Please confirm the latest terms, fees, and rewards directly with OCBC before applying. All information here is compiled from publicly available sources; we do not guarantee completeness or error-free content.
Frequently asked questions
The NXT card is for the home-maker who thinks in seasons, not splurges. A sofa, a new laptop, a kitchen upgrade—each gets broken into predictable months without a phone call. It signals steadiness: someone who builds a home piece by piece and wants the cash flow to stay seamless.
Which OCBC credit card gives the most cashback?
For everyday dining and groceries, the OCBC 365 Card offers up to 6% cashback, though it’s capped at S$160 per month. If you prefer unlimited cashback without categories, the OCBC INFINITY Card gives 1.6% on all local online, transport, and overseas spend with no minimum or cap.
Do OCBC credit cards earn air miles?
Yes. The OCBC VOYAGE Card and OCBC 90°N Card are miles-focused. VOYAGE miles never expire and earn 2.2 miles per S$1 overseas, while 90°N earns up to 7 miles on hotel bookings via Agoda and 2.1 miles overseas.
Is there an OCBC credit card for young adults?
The FRANK Credit Card is designed for digitally savvy spenders, with up to 8% cashback on foreign and online/contactless transactions plus an extra 2% at green merchants.
Can I pay off big purchases in instalments with an OCBC card?
The OCBC NXT Card automatically splits eligible purchases into interest-free instalments over 3 or 6 months, with a 1% cash rebate on monthly bills above S$1,000.
Are OCBC card rewards easy to redeem?
Generally, yes. Cashback on cards like INFINITY is auto-credited. Miles on VOYAGE and 90°N can be redeemed for flights, hotel stays, or cash rebates without blackout dates.
Do any OCBC cards support sustainable spending?
The FRANK Credit Card offers an additional 2% cashback at green merchants, encouraging eco-friendly purchases.
