OCBC 365 Credit Card
OCBC · VISA
The OCBC 365 Credit Card is a credit card from OCBC on the Visa network. It has an annual fee of S$196.20. It earns up to 6% on gas & fuel, up to 5% on dining & restaurants, up to 3% on groceries. The welcome offer is S$300 cashback for new OCBC cardmembers who apply through OCBC and spend S$800 in the first 60 days (offer ends 31 December 2026).
Key facts
- Annual fee
- S$196.20
- Purchase APR
- 27.78% p.a.
- Foreign transaction fee
- 3.25%
- Network
- VISA
- Welcome offer
- S$300 cashback for new OCBC cardmembers who apply through OCBC and spend S$800 in the first 60 days (offer ends 31 December 2026)
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Gas & fuel | up to 6% | Fuel at all petrol stations, with at least S$800 spent in the month, capped at S$80 a month |
| Dining & restaurants | up to 5% | Cafés, restaurants and food delivery, with at least S$800 spent in the month, capped at S$80 a month |
| Groceries | up to 3% | Groceries, with at least S$800 spent in the month, capped at S$80 a month |
| Bills & utilities | up to 3% | Utilities, with at least S$800 spent in the month, capped at S$80 a month |
| Streaming & subscriptions | up to 3% | Streaming, with at least S$800 spent in the month, capped at S$80 a month |
| Everything else | 0.25% | Everything else, and all spend in a month under S$800 |
Benefits and perks
- Annual fee waived for the first 2 years.
- OCBC revises the 365 card’s categories, rates, minimum spend and cap from 1 November 2026.
Questions about the OCBC 365 Credit Card
What is the annual fee on the OCBC 365 Credit Card?
The OCBC 365 Credit Card has an annual fee of S$196.20.
What rewards does the OCBC 365 Credit Card earn?
The OCBC 365 Credit Card earns up to 6% on gas & fuel, up to 5% on dining & restaurants, up to 3% on groceries, up to 3% on bills & utilities, up to 3% on streaming & subscriptions, 0.25% on everything else.
Is the OCBC 365 Credit Card worth it?
The OCBC 365 Credit Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
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