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MALAYSIA 2026-09-04 VERIFIED
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CARDS / OCBC Bank

OCBC 365 Credit Card

OCBC Bank · Singapore · CASHBACK · Verified 4 Sept 2026

ANNUAL FEE

None

2-year annual fee waiver as welcome gift for new cardmembers (spend S$300 within 30 days of approval); promo valid till 31 Aug 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

petrol (all service stations) 6 · CAP monthly, within S$160 total cap
dining (local & overseas, foodpanda/GrabFood) 5 · CAP monthly, within S$160 total cap
groceries (local, overseas, online) 3 · CAP monthly, within S$160 total cap
land transport (SimplyGo, Grab/Gojek/TADA, taxis) 3 · CAP monthly, within S$160 total cap
Watsons (stores & online) 3 · CAP monthly, within S$160 total cap
streaming (Netflix, Disney+, Spotify, Apple Music) 3 · CAP monthly, within S$160 total cap
EV charging 3 · CAP monthly, within S$160 total cap
utilities (recurring telco & electricity bills) 3 · CAP monthly, within S$160 total cap
instalment payment plans 0.5 · CAP monthly
other spend (below S$800 min) 0.25 · CAP flat rate

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).

SOURCE

https://www.ocbc.com/personal-banking/cards/365-cashback-credit-card

OCBC official product page, verified via web_extract

Verified 4 Sept 2026. Terms change — always confirm on the official site.