OCBC 365 Credit Card
โขโขโขโข โขโขโขโข โขโขโขโข 4242
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Quick facts
OCBC 365 Credit Card
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OCBC 365 Credit Card
Daily essentials cashback
Dining, groceries, and utilities with monthly cashback caps.
Key Benefits
Annual fee
$192
Top rate
6%
Min income
$2,500/mo
Eff. return
-0.21%
Realistic net value (moderate user): -$60/year
After $192 fee & $34 forex. Based on $2,400/mo spend.
12,400 users matched ยท Verified 2026-06-12
We earn commission if approved โ at no cost to you. Zero sales calls.
Our transparency promise
โ Reward caps shown in absolute S$ โ not just "5% cashback"
โ Exclusions listed upfront โ fuel, EMI, rent, wallet
โ Point conversions with conservative S$/point rates
What You Actually Earn (in S$)
Absolute SGD estimates based on your spends. Caps and exclusions applied โ no marketing fluff.
Gross rewards / year
$166
Before fees & forex
Costs / year
$226
Fee $192 + forex $34
Net value / year
-$60
-0.21% effective return on spend
Category-wise breakdown
Dining & food delivery
Spend $300/mo ยท 6% cashback
$57.60/year
$4.80/mo
$80 ร 6% = $4.80/moCap hit at $80/mo โ extra spend earns lessGroceries
Spend $500/mo ยท 3% cashback
$28.80/year
$2.40/mo
$80 ร 3% = $2.40/moCap hit at $80/mo โ extra spend earns lessUtilities & bills
Spend $200/mo ยท 3% cashback
$28.80/year
$2.40/mo
$80 ร 3% = $2.40/moCap hit at $80/mo โ extra spend earns lessAll other eligible spends
Spend $1,400/mo ยท 0.3% cashback
$50.40/year
$4.20/mo
$1,400 ร 0.3% = $4.20/moEstimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates โ actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.
Amazon, Flipkart & co-branded accelerators
Reward Structure
Source: Issuer public T&Cs
dining
6%
Cap: $80/mo
Example: $80/mo spend โ โ $4.80/mo (max at cap)
groceries
3%
Cap: $80/mo
Example: $80/mo spend โ โ $2.40/mo (max at cap)
Excluded categories (no rewards)
Best for
- โ Daily essentials cashback
Fees & Charges โ Full Disclosure
All amounts in SGD. Everything that can reduce your net value.
Joining fee
Charged in first year
$192
Annual / renewal fee
Charged every year unless waived
$192
Forex markup
2.8% on international transactions
Finance charges
โ3.5โ3.75% per month (42โ45% p.a.) if you revolve balance โ pay in full to avoid
Late payment fee
Typically S$50โS$100 depending on balance โ always pay on time
Reward redemption fee
Usually S$0 for cashback cards; points cards may have S$2+ redemption fee
Example: moderate user net math
Eligibility Snapshot
Public criteria from Issuer public T&Cs. Bank makes final decision.
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
FAQ
How much can I actually earn with OCBC 365 Credit Card?+
At moderate spend ($2,400/mo), gross rewards are about $166/year. After the $192 annual fee, net value is approximately -$60/year. Use the calculator above to model your own spends.
What is the minimum income for OCBC 365 Credit Card?+
$2,500/month for salaried applicants (indicative โ bank decides).
What spends do NOT earn rewards?+
Insurance, Government payments, Balance transfers.
Does CardHungry pull my CBS score?+
No. We use public eligibility criteria only. The bank will check CBS when you apply.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.