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OCBC 365 Credit Card vs OCBC Titanium Rewards Card

Honest side-by-side comparison of OCBC 365 Credit Card, OCBC Titanium Rewards Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

OCBC 365 Credit Card

OCBC

OCBC Titanium Rewards Card

OCBC

Your adjusted comparison

Feature
OCBC 365 Credit Card

OCBC 365 Credit Card

OCBC

OCBC Titanium Rewards Card credit card

OCBC Titanium Rewards Card

OCBC

Fees & eligibility
Annual fee$192$194
Fee waiver thresholdNo waiver publishedNo waiver published
Min income$30,000/mo$30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$696/yr-$50/yr
Online shopping$500 × 3% = $15/mo ($180/yr)$120 → 1,200 pts/mo × $0.00/pt = $4.80/mo ($58/yr) · cap reached
Groceries (offline)$500 × 6% = $30/mo ($360/yr) · issuer max $80/mo—
Dining & delivery$300 × 6% = $18/mo ($216/yr) · issuer max $80/mo—
Fuel$200 × 6% = $12/mo ($144/yr) · issuer max $80/mo—
Travel—$300 → 1,200 pts/mo × $0.00/pt = $4.80/mo ($58/yr)
Top reward rate6%10X OCBC$
Primary reward cap$80 rewards/mo cap$120 eligible spend/mo
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus——

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

OCBC 365 Credit Card details →OCBC Titanium Rewards Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, OCBC 365 Credit Card leads OCBC Titanium Rewards Card by about $746/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · $2,400/mo

$2,400/month total spend — typical Singapore user

Groceries $500 · Online $500 · Dining $300 · Travel $300 · Other $300

OCBC 365 Credit Card vs OCBC Titanium Rewards Card comparison table
FeatureOCBC 365 Credit Card

OCBC

OCBC Titanium Rewards Card

OCBC

Fees & eligibility
Annual fee$192$194
Fee waiver thresholdNo waiver publishedNo waiver published
Min income$30,000/mo$30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)$696/yr-$50/yr
Online shopping$500 × 3% = $15/mo ($180/yr)$120 → 1,200 pts/mo × $0.00/pt = $4.80/mo ($58/yr) · cap reached
Groceries (offline)$500 × 6% = $30/mo ($360/yr) · issuer max $80/mo—
Dining & delivery$300 × 6% = $18/mo ($216/yr) · issuer max $80/mo—
Fuel$200 × 6% = $12/mo ($144/yr) · issuer max $80/mo—
Travel—$300 → 1,200 pts/mo × $0.00/pt = $4.80/mo ($58/yr)
Top reward rate6%10X OCBC$
Primary reward cap$80 rewards/mo cap$120 eligible spend/mo
Key exclusionsInsurance · Government payments · Balance transfersInsurance · Government payments · Balance transfers
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
OCBC 365 Credit Card has the lowest annual fee at $192.
Which card earns more on moderate spend?
OCBC 365 Credit Card leads with an estimated $696/yr net annual value on moderate spend.
Which card has the lower income requirement?
OCBC 365 Credit Card lists a minimum monthly income of $30,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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