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Age 21–65 · From $30,000/mo income · Unsecured
Shopping Partners·OCBC
Accelerated points on shopping and travel.
Age 21–65 · From $30,000/mo income · Unsecured
Key Benefits
All 6 benefits →Shopping
10X OCBC$
Travel
4X OCBC$
Online
10 pts/1
On $120/mo spend
Travel
4 pts/1
High annual fee — may not pay off at moderate spend
At $2,400/mo, net value is -$50/yr after fees. It turns positive around $3,780/mo — and at heavy spend ($6,300/mo) we estimate $3/yr.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: OCBC Titanium Rewards Card Singapore T&Cs (Jun 2026)
Amazon, Flipkart & co-branded accelerators
Source: OCBC Titanium Rewards Card Singapore T&Cs (Jun 2026)
Shopping
10X OCBC$
Travel
4X OCBC$
See worked examples of how points convert to cash value
online shopping — 10 pts per $1 spend
You spend
$120
You earn
1200 pts
Worth ≈
$4.80
@ $0.00/point
Capped at $120/month spend for accelerated rate
travel — 4 pts per $1 spend
You spend
$500
You earn
2000 pts
Worth ≈
$8
@ $0.00/point
all — 1 pts per $1 spend
You spend
$500
You earn
500 pts
Worth ≈
$2
@ $0.00/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative $0.00/pt in calculations.
Based on moderate spend for this market
Est. net annual
-$50
per year
Annual fee
$194
per year
Effective return
-0.2%
of spend
Annual fee $194 · Forex 2.8% on international transactions — tap for full fees
Joining fee
Charged in first year
$194
Annual / renewal fee
Charged every year unless waived
$194
Forex markup
2.8% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
Typically S$50–S$100 depending on balance — always pay on time
Reward redemption fee
Usually S$0 for cashback cards; points cards may have S$2+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–65 years · $30,000/mo — tap for full criteria
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.
At moderate spend ($2,400/mo), gross rewards are about $178/year. After the $194 annual fee, net value is approximately -$50/year. Use the calculator above to model your own spends.
$30,000/month for salaried applicants (indicative — bank decides).
Insurance, Government payments, Balance transfers.
Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
