OCBC Rewards Card
OCBC · MASTERCARD
The OCBC Rewards Card is a credit card from OCBC on the Mastercard network. It has an annual fee of S$196.20. It earns 4x on shopping, 4x on online shopping, 0.4x on everything else. The welcome offer is 55,000 OCBC$ (22,000 miles) 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$196.20
- Purchase APR
- 27.78% p.a.
- Foreign transaction fee
- 3.25%
- Network
- MASTERCARD
- Welcome offer
- 55,000 OCBC$ (22,000 miles) for new OCBC cardmembers who apply through OCBC and spend S$800 in the first 60 days (offer ends 31 December 2026)
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Shopping | 4x | 10X OCBC$ on in-store shopping, in miles per S$1; bonus capped at 15,000 OCBC$ a month |
| Online shopping | 4x | 10X OCBC$ on online shopping, in miles per S$1; bonus capped at 15,000 OCBC$ a month |
| Everything else | 0.4x | 1 OCBC$ per S$1 on other spend, which is 0.4 miles |
Benefits and perks
- Annual fee waived for the first 2 years.
- Until 31 March 2027: 15X OCBC$ (6 miles per S$1) at Watsons, Lazada, Shopee, Taobao and TikTok Shop.
- The 10X rate covers shopping such as department stores, clothing, bags and luggage, sporting goods, pharmacies and online retailers.
- No limit on base OCBC$; bonus OCBC$ capped at 15,000 a month.
- Exchange OCBC$ for airline miles, e-vouchers or cash rebates in the OCBC app.
Questions about the OCBC Rewards Card
What is the annual fee on the OCBC Rewards Card?
The OCBC Rewards Card has an annual fee of S$196.20.
What rewards does the OCBC Rewards Card earn?
The OCBC Rewards Card earns 4x on shopping, 4x on online shopping, 0.4x on everything else.
Is the OCBC Rewards Card worth it?
The OCBC Rewards 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.
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