The OCBC 365 Credit Card is one of Singapore’s best all-round cashback cards, offering high daily-spend rebates on dining, groceries, transport, fuel, streaming, utilities, and more.
With the latest SingSaver exclusive promo, new OCBC cardholders can also enjoy premium free gifts such as cash rewards, vouchers, AirPods Pro, The Morning Coffee Machine, or even Dyson/iPad top-ups.
This guide covers everything you need to know: rewards, eligibility, cashback mechanics, and how to qualify for the gifts.
🎁 SingSaver Exclusive Rewards (Base Rewards – No Top-Up)
Choose one of the following free gifts when you apply for the OCBC 365 Credit Card via SingSaver:
Ergotune Joobie Lite Chair (worth S$499)
🔼 Premium Top-Up Options
Upgrade your gift with a minimal top-up fee:
| Premium Gift | Retail Value | Top-Up |
|---|---|---|
|
S$699 | S$100 |
| S$799 | S$120 | |
|
S$499 | S$80 |
These are among the best-value top-up gifts in the market.
🎯 Promotion Criteria
To qualify for the SingSaver free gifts:
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Must be a new OCBC credit cardholder
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Apply for an OCBC credit card via our exclusive SingSaver link button below]
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Spend S$400 in qualifying transactions within 30 days of card approval
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Standard terms and conditions apply
- Promotion items may subject to change
🔍 What the OCBC 365 Credit Card Offers
The OCBC 365 is designed for everyday cashback across essential spending categories, making it ideal for families, working adults, and household decision-makers.
⭐ Key Cashback Benefits
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6% cashback on petrol at all other petrol stations
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5% cashback on dining (local, overseas, and online delivery)
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3% cashback on:
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Groceries (local & overseas)
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Online groceries
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Public transport (bus/MRT)
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Private-hire rides (Grab, Gojek)
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Taxis
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Drugstore/pharmacy
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Streaming subscriptions
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EV charging
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Recurring telco & electricity bills
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💰 Up to S$160 Cashback Monthly
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Spend S$800 → earn up to S$80 cashback
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Spend S$1,600 → earn up to S$160 cashback
⛽ Fuel Benefits
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Up to 22.92% fuel savings at Caltex
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Additional 6% cashback on fuel at any petrol station
🏦 Bonus Banking Perks
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Earn up to 4.65% p.a. interest on your OCBC 365 Account balance (first S$100,000) when eligible.
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2-year annual fee waiver
👍 Pros
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High cashback for essential, everyday spending
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Flexible minimum spending tiers (S$800 or S$1,600)
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Large cashback cap (up to S$160/month)
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Strong fuel savings
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Great card for families and working adults
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Generous SingSaver promotional gifts
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Free e-commerce protection
👎 Cons
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Higher minimum spending requirement for full cashback
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Works on a whitelist—only specific MCCs qualify
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Cashback capped monthly
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Increased interest rate on outstanding balances (27.78% p.a.)
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S$10,000 minimum annual spend required to waive future annual fees
🧾 Eligibility Requirements
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Age: 21 years old and above
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Minimum annual income:
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S$30,000 (Singaporeans & PRs aged 21–54)
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S$15,000 (Singaporeans & PRs aged 55+)
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S$45,000 (Foreigners)
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🧑💼 Who Should Get the OCBC 365 Card?
Perfect for:
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Working professionals
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Homemakers managing household bills
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Families with recurring utilities, telco, groceries, dining
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Drivers wanting strong fuel savings
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Cashback lovers who want consistent, predictable rewards
If your monthly spend hits S$800 or S$1,600, this card offers some of the most rewarding cashback rates for daily living expenses.
🏁 Final Verdict: A Top-Tier Everyday Cashback Card
The OCBC 365 Credit Card stands out for everyday spending categories—especially dining, fuel, groceries, telco, and transport.
Coupled with SingSaver’s premium reward options (including Dyson, iPad, cash, and vouchers), it’s one of the most attractive cashback card promotions currently available.
