SGT://BANK
MALAYSIA 2026-09-04 VERIFIED
bank.subimpact.net SINGAPORE

CARDS / OCBC Bank

OCBC Rewards Card (formerly Titanium Rewards)

OCBC Bank · Singapore · MILES · Verified 4 Sept 2026

ANNUAL FEE

S$196.20 (incl. GST)

Waived for first two years; automatically waived with S$10,000 annual spend (from month after card issued); supplementary S$98.10 waived first two years

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

4 mpd on selected retail categories; 6 mpd at Watsons/selected online platforms (promo); base 0.4 mpd (1 OCBC$ per S$5)

Expiry: not disclosed (OCBC$ exchangeable for KrisFlyer, Flying Blue, BA Executive Club, Cathay, Etihad, United MileagePlus, ALL, IHG, Marriott Bonvoy)

■ CATEGORY RATES

selected retail MCCs (fashion, department stores, duty free, sporting goods, luggage, etc.) 4 · CAP 10 OCBC$ per S$1 (4 air miles); bonus capped at 15,000 OCBC$/month (180,000/year)
Watsons, Lazada, Shopee, Taobao, TikTok Shop (promo till 31 Mar 2027) 6 · CAP 15 OCBC$ per S$1 (6 air miles); extra 5,000 OCBC$ on top of 10,000 monthly bonus cap
all other spend 0.4 · CAP 1 OCBC$ per S$5 (base, unlimited)

NOTES

OCBC$ awarded in blocks of S$5 per transaction. 3,600 OCBC$ = S$10 cash rebate. Bonus OCBC$ capped at 15,000/month. 10 OCBC$ per S$1 equals 2.78% cash rebate or 4 air miles. Excludes groceries (MCC 5411) from bonus.

SOURCE

https://www.ocbc.com/personal-banking/cards/rewards-card

OCBC official product page (Fees, Eligibility, MCC tables), verified via web_extract

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