ANNUAL FEE
None
2-year annual fee waiver + S$300 cashback welcome gift for new OCBC cardmembers with min S$800 eligible spend within 60 days of approval; promo valid till 31 Dec 2026
INCOME REQUIREMENT
S$30,000/year (SG/PR aged 21-55); S$15,000/year (SG/PR above 55); S$45,000/year (foreigners)
MILES
—
■ CATEGORY RATES
NOTES
Tiered monthly cashback: min S$800 spend for Tier 1 (cap S$80/month), S$1,600 for Tier 2 (cap S$160/month). Below S$800, flat 0.25%. Cashback credited monthly. Bundling with OCBC 360 Account boosts savings interest. Welcome gift: DELSEY trolley case + S$180 cashback (new cardmembers, till 31 Aug 2026). SCHEDULED CHANGE (announced on official page, seen 2026-10-26): from 1 Nov 2026 single S$800 min spend + S$160 monthly cap; Dining, Groceries and Land Transport rise to 6%; Petrol stays 6%; Telco, Utilities, Streaming and EV Charging drop to 0.25% base; Watsons stays 3% until 31 Mar 2027 then 0.25%. Rates above are those in force until 31 Oct 2026.
SOURCE
https://www.ocbc.com/personal-banking/cards/365-cashback-credit-card
OCBC official product page, verified via web_extract
Verified 26 Oct 2026. Terms change — always confirm on the official site.