OCBC 365 Credit Card
Everyday cashback card covering dining, groceries, transport, petrol and bills.
- Issuer
- OCBC
- Network
- Visa
- 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