OCBC 365 Credit Card
Broad everyday cashback card spanning dining, groceries, transport and bills.
- Issuer
- OCBC
- Network
- Mastercard
- Rewards
- Cashback
- Annual fee
- Annual fee — often waivable
DiningGroceriesTransportPetrolUtilities
Pros
- +Strong everyday cashback: 5% dining/food delivery, 3% groceries
- +Up to 6% cashback on petrol
- +Annual fee waived first 2 years, then on S$10k yearly spend
- +Cashback covers food delivery, not only dine-in
Cons
- −Needs roughly S$800/mo spend to earn bonus cashback
- −Monthly cashback cap limits how much you can earn
- −S$196.20 annual fee if yearly spend stays under S$10k
| Annual fee | S$196.20as of 16 Jun 2026 |
|---|---|
| Cashback | Up to 6% on petrol, 5% on dining & food delivery, 3% on groceries, transport & utilitiesas of 16 Jun 2026 |
| Min. income (S'porean/PR) | S$30,000/yras of 16 Jun 2026 |
| Min. income (foreigner) | S$45,000/yras of 16 Jun 2026 |
Eligibility: Age 21+. Seniors 55+ need only S$15,000. Foreigners need an Employment Pass.
Who it’s for
The OCBC 365 Credit Card is a cashback card from OCBC, best suited to people who spend on dining, groceries, transport, petrol and utilities. It carries an annual fee that can often be waived — confirm the current terms before applying.
View official detailsAlways confirm the latest fees, rates and terms on the issuer’s site.
Sources
- OCBC official product page
- MoneySmart: Cashback Credit Cards
- ShopBack: Best Cards for Grocery, Transport, Dining
Last reviewed 16 Jun 2026.
Other cashback cards
- UOB One Card — UOB
- Citi Cash Back Card — Citibank
- Maybank Family & Friends Card — Maybank