Best OCBC Credit Cards 2020

Choosing the perfect credit card from all the options available in Singapore can be a daunting process. But the golden rule of credit card shopping is that no one card is the absolute best, and that every card is capable of being the perfect card for different people. Here, we discuss and compare some of the best credit cards from OCBC, the 2nd biggest bank in Singapore.

  • OCBC 365: Rebates on essentials with easy fee-waiver
  • OCBC Frank: Up to 6% rebate for FX, online, and mobile purchases, low S$600 min. spend requirement
  • OCBC Titanium: 4 miles per S$1 on fashion & select retail
  • OCBC 90°N: Unlimited cashback + miles & annual renewal bonus
  • OCBC Voyage: Flexible miles redemption, boosted rewards for local dining
  • OCBC Cashflo: Rewards for split payments, no processing fee
  • OCBC Robinsons: Up to 10% rebate on Robinsons Group store purchases

Compare Best OCBC Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best OCBC credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how the best OCBC credit cards compare to one another in terms of their rewards
Best OCBC Credit Cards in Singapore by Estimated 2-Year Dollar Value
OCBC 365:
  • Rebates on essentials with easy fee-waiver
OCBC Frank:
  • Up to 6% rebate for FX, online, and mobile purchases, low S$600 min. spend requirement
OCBC Titanium:
  • 4 miles per S$1 on fashion & select retail
OCBC 90°N:
  • Unlimited cashback + miles & annual renewal bonus
OCBC Voyage:
  • Flexible miles redemption, boosted rewards for local dining
OCBC Cashflo:
  • Rewards for split payments, no processing fee
OCBC Robinsons:
  • Up to 10% rebate on Robinsons Group store purchases

Compare Best OCBC Credit Cards by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

A graph displaying how the best OCBC credit cards compare to one another in terms of their rewards
Best OCBC Credit Cards in Singapore by Estimated 2-Year Dollar Value

OCBC 365 Card: Best Rebates for Essentials

  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo (existing customers)
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
If you want no-fee rebates on daily essentials, there’s no better option than OCBC 365 Card. Cardholders earn up to 6% rebate on dining and online food delivery, as well as 3% on groceries, transport (like Grab), travel bookings, and even recurring bills. The closest competitor not only restricts merchants, but also only offers 1% rebate on bills.


Another way in which OCBC 365 Card stands out is by offering a fee-waiver. Cardholders are exempt from the S$192.6 fee after just S$10,000 annual spend (about S$833/month). Given that the card has a S$800 minimum requirement, this isn’t much of a stretch. Overall, if you want to consolidate your spend into one everyday card with top rebates and a fee-waiver, OCBC 365 Card is for you.

  • Stand-Out: Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo (existing customers)
  • Boost to 6% cashback on groceries & at convenience stores
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
If you want no-fee rebates on daily essentials, there’s no better option than OCBC 365 Card. Cardholders earn up to 6% rebate on dining and online food delivery, as well as 3% on groceries, transport (like Grab), travel bookings, and even recurring bills. The closest competitor not only restricts merchants, but also only offers 1% rebate on bills.


Another way in which OCBC 365 Card stands out is by offering a fee-waiver. Cardholders are exempt from the S$192.6 fee after just S$10,000 annual spend (about S$833/month). Given that the card has a S$800 minimum requirement, this isn’t much of a stretch. Overall, if you want to consolidate your spend into one everyday card with top rebates and a fee-waiver, OCBC 365 Card is for you.

OCBC Frank Card: No-Fee Rebates for Young Adults

  • 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
  • Promotions: New cardholders will receive S$50 cashback & S$50 Grab Vouchers
  • S$20 cashback (existing cardholders)
  • Additional 4% cashback on all bonus categories (online, in-store mobile contactless and foreign currency made in-store) min. spend of S$600. Capped at S$25
  • Read Our Full Review
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on FX & mobile contactless expenditures
  • 6% rebate on online purchases
OCBC Frank Card is undoubtedly one of the best cashback cards for young adults on the market. Cardholders begin earning boosted rewards rates after just S$600 spend–one of the lowest minimum requirements on the market. These boosted rates include: 6% on FX spend, online spend, and mobile contactless spend. An additional 0.3% rate is given on all other purchases, with no minimum spend required. Overall, members can earn up to S$75 per month (individual S$25 limits for online, FX & mobile contactless, and general spend).


OCBC Frank Card not only has a lower minimum spend requirement than its closest competitor, it also offers a fee-waiver–its competitor does not. Cardholders are exempt from the already low S$80.0 fee with just S$10,000 spend (about S$833/month). Ultimately, OCBC Frank Card is the best option for those who want to earn top rebates for online and mobile spend, but who don’t want to worry about minimum requirements or fees.

  • Stand-Out: 6% rebate on FX, online, and mobile purchases after just S$600 monthly spend
  • Promotions: New cardholders will receive S$50 cashback & S$50 Grab Vouchers
  • S$20 cashback (existing cardholders)
  • Additional 4% cashback on all bonus categories (online, in-store mobile contactless and foreign currency made in-store) min. spend of S$600. Capped at S$25
  • Read Our Full Review
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on FX & mobile contactless expenditures
  • 6% rebate on online purchases
OCBC Frank Card is undoubtedly one of the best cashback cards for young adults on the market. Cardholders begin earning boosted rewards rates after just S$600 spend–one of the lowest minimum requirements on the market. These boosted rates include: 6% on FX spend, online spend, and mobile contactless spend. An additional 0.3% rate is given on all other purchases, with no minimum spend required. Overall, members can earn up to S$75 per month (individual S$25 limits for online, FX & mobile contactless, and general spend).


OCBC Frank Card not only has a lower minimum spend requirement than its closest competitor, it also offers a fee-waiver–its competitor does not. Cardholders are exempt from the already low S$80.0 fee with just S$10,000 spend (about S$833/month). Ultimately, OCBC Frank Card is the best option for those who want to earn top rebates for online and mobile spend, but who don’t want to worry about minimum requirements or fees.

OCBC Titanium Card: Best Miles for Fashion & Retail

  • 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 Grabfood vouchers w/ S$300 min. spend in 1st mo (existing customers)
  • 2% cash rebate at BEST Denki
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently w/ S$10k annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
  • Discounted airport lounge & JetQuay Quayside access
OCBC Titanium Rewards Card is the best card on the market for frequent retail shoppers. Cardholders earn 10 points (4 miles) per S$1 spend on fashion, electronics, and with select retail merchants (Amazon, Lazada, Shopee, Qoo10 & many more). In addition, all kinds of transactions are rewards eligible–online, offline, locally and overseas. This makes OCBC Titanium Card far more versatile than competitors; cardholders can earn rewards on everything from beauty products to appliances with no merchant restrictions.


Another reason to consider OCBC Titanium Card is that is comes with a variety of perks, including a fee-waiver. Cardholders receive airport lounge & JetQuay Quayside access, plus eCommerce protection. In addition, the S$192.6 fee is waived with S$10,000 annual spend. The competitor comes with fewer benefits and lacks a fee-waiver. Ultimately, if you want a flexible retail card to maximise miles for shopping spend, consider OCBC Titanium Card.

  • Stand-Out: 4 mi/S$1 on fashion & merchants like Amazon, Lazada
  • Promotions: Free S$100 Grab Food Voucher (new customers) via our partnership with SGSaver
  • Free S$50 Grabfood vouchers w/ S$300 min. spend in 1st mo (existing customers)
  • 2% cash rebate at BEST Denki
  • Read Our Full Review
  • Annual fee: S$192.6, 2-year waiver, subsequently w/ S$10k annual spend
  • 10 Pts (4 miles) per S$1 spend on fashion retail & select merchants
  • Discounted airport lounge & JetQuay Quayside access
OCBC Titanium Rewards Card is the best card on the market for frequent retail shoppers. Cardholders earn 10 points (4 miles) per S$1 spend on fashion, electronics, and with select retail merchants (Amazon, Lazada, Shopee, Qoo10 & many more). In addition, all kinds of transactions are rewards eligible–online, offline, locally and overseas. This makes OCBC Titanium Card far more versatile than competitors; cardholders can earn rewards on everything from beauty products to appliances with no merchant restrictions.


Another reason to consider OCBC Titanium Card is that is comes with a variety of perks, including a fee-waiver. Cardholders receive airport lounge & JetQuay Quayside access, plus eCommerce protection. In addition, the S$192.6 fee is waived with S$10,000 annual spend. The competitor comes with fewer benefits and lacks a fee-waiver. Ultimately, if you want a flexible retail card to maximise miles for shopping spend, consider OCBC Titanium Card.

OCBC 90°N Card: Hybrid Rewards for Affluent Consumers

  • Earn unlimited cashback & miles, no conversion fees
  • Promotions: Up to 10% off Expedia bookings
  • Apply with MyInfo and get instant approval and use of a digital card (via partnership with SingSaver)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
OCBC 90°N Card is the best option on the market for high spenders interested in earning both cashback and miles. Cardholders directly earn Travel$, where 1 Travel$ is equal to S$0.01 cash rebate or 1 air mile. As such, consumers earn at a rate of an unlimited 1.2% cashback locally (1.2 miles per S$1 spend) and 2.1% overseas (2.1 miles). These rates, especially for overseas, are quite competitive. In fact, no other unlimited cashback card offers as high a rebate rate on foreign currency transactions. The closest competitor requires S$2k minimum spend to access its boosted rate; OCBC 90°N Card does not have any minimum spend requirements. In terms of miles, the 2.1 rewards rate is 0.1 higher than the industry standard of 2 miles per S$1 spend. Overall, rewards can be redeemed for cashback or miles at an equivalent valuation; most rewards cards devalue points that are redeemed for cash rebate. And, perhaps best of all, rewards never expire and there are no transfer or conversion fees.


Beyond its stand-out versatility, OCBC 90°N Card also offers a few perks. Cardholders receive 10k Travel$ yearly, which can be redeemed for S$100 rebate or 10,000 air miles. No unlimited cashback card on the market currently offers such a yearly bonus, and such bonuses are even uncommon amongst travel cards with similar price points. This renewal gift also deftly offsets the S$192.6 annual fee. Finally, cardholders also gain discounted access (US$32/person) to airport lounges worldwide. Ultimately, OCBC 90°N Card is an excellent option for high spenders seeking unlimited rewards, both as miles and cashback.

  • Stand-Out: Earn unlimited cashback & miles, no conversion fees
  • Promotions: Up to 10% off Expedia bookings
  • Apply with MyInfo and get instant approval and use of a digital card (via partnership with SingSaver)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Renewal bonus: 10,000 Travel$ (worth 10,000 miles or S$100)
  • Miles Option: 1.2 miles per S$1 locally, 2.1 miles overseas
  • Cashback Option: 1.2% rebate locally, 2.1% overseas
  • No conversion fees & rewards never expire
  • Access to Mastercard Airport Experiences
OCBC 90°N Card is the best option on the market for high spenders interested in earning both cashback and miles. Cardholders directly earn Travel$, where 1 Travel$ is equal to S$0.01 cash rebate or 1 air mile. As such, consumers earn at a rate of an unlimited 1.2% cashback locally (1.2 miles per S$1 spend) and 2.1% overseas (2.1 miles). These rates, especially for overseas, are quite competitive. In fact, no other unlimited cashback card offers as high a rebate rate on foreign currency transactions. The closest competitor requires S$2k minimum spend to access its boosted rate; OCBC 90°N Card does not have any minimum spend requirements. In terms of miles, the 2.1 rewards rate is 0.1 higher than the industry standard of 2 miles per S$1 spend. Overall, rewards can be redeemed for cashback or miles at an equivalent valuation; most rewards cards devalue points that are redeemed for cash rebate. And, perhaps best of all, rewards never expire and there are no transfer or conversion fees.


Beyond its stand-out versatility, OCBC 90°N Card also offers a few perks. Cardholders receive 10k Travel$ yearly, which can be redeemed for S$100 rebate or 10,000 air miles. No unlimited cashback card on the market currently offers such a yearly bonus, and such bonuses are even uncommon amongst travel cards with similar price points. This renewal gift also deftly offsets the S$192.6 annual fee. Finally, cardholders also gain discounted access (US$32/person) to airport lounges worldwide. Ultimately, OCBC 90°N Card is an excellent option for high spenders seeking unlimited rewards, both as miles and cashback.

OCBC Voyage: Boosted Miles for Dining, Luxury Perks

OCBC Voyage Card
OCBC Voyage Card
  • Boosted miles rewards for local dining spend
  • Promotions: Receive 15,000 annual bonus miles
  • Read Our Full Review
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
OCBC Voyage Card stands out as one of the most flexible travel cards on the market. Cardholders earn high rates of 2.3 miles per S$1 overseas, 1.2 miles locally and a boosted 1.6 miles for local dining. This makes it easy to earn rewards no matter where you are–travelling, or at home for an extended period of time. In addition, miles can be redeemed with no black-out dates, no conversion fees, and minimal processing time.


OCBC Voyage Card also stands out for its perks. Cardholders enjoy unlimited airport lounge access worldwide. They also receive free travel insurance, free limo transfers, and discounted green fees at fairways across SE Asia. While there’s a S$488 fee, it’s clearly reflected in the exclusive perks and high rewards rates. If you want a flexible travel card with luxury privileges, you may want to consider OCBC Voyage Card.

OCBC Voyage Card
OCBC Voyage Card
  • Stand-Out: Boosted miles rewards for local dining spend
  • Promotions: Receive 15,000 annual bonus miles
  • Read Our Full Review
  • Annual fee: S$488
  • 1.2 miles per S$1 local spend, 1.6 miles local dining, 2.3 miles overseas
  • Unlimited lounge access, free limo transfers, golfing privileges
  • Free travel insurance & global concierge service
OCBC Voyage Card stands out as one of the most flexible travel cards on the market. Cardholders earn high rates of 2.3 miles per S$1 overseas, 1.2 miles locally and a boosted 1.6 miles for local dining. This makes it easy to earn rewards no matter where you are–travelling, or at home for an extended period of time. In addition, miles can be redeemed with no black-out dates, no conversion fees, and minimal processing time.


OCBC Voyage Card also stands out for its perks. Cardholders enjoy unlimited airport lounge access worldwide. They also receive free travel insurance, free limo transfers, and discounted green fees at fairways across SE Asia. While there’s a S$488 fee, it’s clearly reflected in the exclusive perks and high rewards rates. If you want a flexible travel card with luxury privileges, you may want to consider OCBC Voyage Card.

OCBC Cashflo Card: Rebates on 0% Instal Plan

  • 1% rebate on purchases made w/ 0% interest instalment plan
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Up to 55% off single trip travel insurance
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$10,000 annual spend
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below)
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments at specified threshold
OCBC Cashflo Card offers the only 0% interest instalment plan on the market that allows you to net-earn on split transactions. Cardholders earn 1% flat rebate after S$2,000 spend (0.5% if below). This rate is very low, but it applies to purchases made on the instalment plan. Most card plans do not reward split payments; plans that do offer rewards often charge processing fees that outweigh earnings. OCBC Cashflo Card, on the other hand, does not charge for processing fees–so nothing will detract from your earnings.


Another way in which OCBC Cashflo Card stands out is for its fee-waiver. Cardholders spending S$10,000/year are exempt from the fee. Given that this card is best used for very large purchases–perhaps for wedding planning or for paying large hospital bills–it may be reasonable to achieve this spend threshold. Overall, if you like to make big purchases and pay them back over time, there’s no better option than OCBC Cashflo Card.

  • Stand-Out: 1% rebate on purchases made w/ 0% interest instalment plan
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Up to 55% off single trip travel insurance
  • Read Our Full Review
  • Annual fee: S$160.5, 2-year waiver, subsequently with S$10,000 annual spend
  • 1% flat rebate with S$1,000 minimum spend (0.5% if below)
  • 0% Interest Instalment Plan with no processing fee, payments earn rebates
  • Trigger scheme automatically splits payments at specified threshold
OCBC Cashflo Card offers the only 0% interest instalment plan on the market that allows you to net-earn on split transactions. Cardholders earn 1% flat rebate after S$2,000 spend (0.5% if below). This rate is very low, but it applies to purchases made on the instalment plan. Most card plans do not reward split payments; plans that do offer rewards often charge processing fees that outweigh earnings. OCBC Cashflo Card, on the other hand, does not charge for processing fees–so nothing will detract from your earnings.


Another way in which OCBC Cashflo Card stands out is for its fee-waiver. Cardholders spending S$10,000/year are exempt from the fee. Given that this card is best used for very large purchases–perhaps for wedding planning or for paying large hospital bills–it may be reasonable to achieve this spend threshold. Overall, if you like to make big purchases and pay them back over time, there’s no better option than OCBC Cashflo Card.

OCBC Robinsons Group Card: Perks & Rebates for Loyal Shoppers

  • Up to 10% rebate on Robinsons Group store purchases
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$3,000 annual spend
  • 5% rebate on 1st S$5k spend w/ Robinsons every 6mo, 10% on amts above
  • 0.5 Robs$ per S$1 general local spend (worth about 0.25%–0.31% cashback)
  • 1.5 Robs$ per S$1 overseas spend (worth about 0.75%–0.94% cashback)
  • Bi-annnual 25% off discount letter w/ S$500 Robinsons or Mark & Spencer spend
  • 1-Hr free weekend parking at select malls w/ S$50+ in-store spend
  • 0% interest instalment plans for Robinsons Group transactions of S$250+
OCBC Robinsons Group Card is a great option for department store shoppers who want to pair top cashback for their spend with exclusive store perks in order to make the most of every spree. Cardholders earn 5% rebate on the 1st S$5k Robinsons Group spend within each 6 month period, boosted to 10% for amounts above. This is quite competitive, especially as there are no earnings caps–most shopping cards, though rarely merchant-restricted, offer just 4 miles per S$1 spend (roughly equal to 4% cashback).


OCBC Robinsons also offers a variety of perks. Cardholders enjoy special store privileges, plus bi-annual 25% off discount letters with S$500 Robinsons Group spend, 1-hour free weekend parking at select malls with S$50 in-store spend, and 0% interest instalment plans for transactions of S$250+ at Robinsons or Mark & Spencer. While general spend rewards rates are negligible, cardholders can easily earn a fee waiver with just S$3k annual spend. This allows shoppers to use OCBC Robinsons Group Card as a low-maintenance complement to a more flexible everyday card.

  • Stand-Out: Up to 10% rebate on Robinsons Group store purchases
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver, subsequently with S$3,000 annual spend
  • 5% rebate on 1st S$5k spend w/ Robinsons every 6mo, 10% on amts above
  • 0.5 Robs$ per S$1 general local spend (worth about 0.25%–0.31% cashback)
  • 1.5 Robs$ per S$1 overseas spend (worth about 0.75%–0.94% cashback)
  • Bi-annnual 25% off discount letter w/ S$500 Robinsons or Mark & Spencer spend
  • 1-Hr free weekend parking at select malls w/ S$50+ in-store spend
  • 0% interest instalment plans for Robinsons Group transactions of S$250+
OCBC Robinsons Group Card is a great option for department store shoppers who want to pair top cashback for their spend with exclusive store perks in order to make the most of every spree. Cardholders earn 5% rebate on the 1st S$5k Robinsons Group spend within each 6 month period, boosted to 10% for amounts above. This is quite competitive, especially as there are no earnings caps–most shopping cards, though rarely merchant-restricted, offer just 4 miles per S$1 spend (roughly equal to 4% cashback).


OCBC Robinsons also offers a variety of perks. Cardholders enjoy special store privileges, plus bi-annual 25% off discount letters with S$500 Robinsons Group spend, 1-hour free weekend parking at select malls with S$50 in-store spend, and 0% interest instalment plans for transactions of S$250+ at Robinsons or Mark & Spencer. While general spend rewards rates are negligible, cardholders can easily earn a fee waiver with just S$3k annual spend. This allows shoppers to use OCBC Robinsons Group Card as a low-maintenance complement to a more flexible everyday card.

Learn More About Maximising Rewards with OCBC


With over 100 competitive credit cards on the Singaporean market, it's easy to get caught up amongst all of the options available. If you've narrowed your selection down to just a few cards, here are a few things to consider that might break the tie:

  • Minimum Spend Requirement: Nearly all cashback credit cards require cardholders to spend a minimum amount every month in order to unlock advertised rewards rates. While a S$800 minimum is the market standard, actual requirements can range from S$400–S$2,000+. Consumers who cannot meet this minimum spend requirement earn at a base rate of approximately 0.4%, so it's very important to select a card with a minimum you can easily and consistently meet. It's worth mentioning that travel credit cards rarely have minimum spend requirements, so this factor may be less important if you're looking to earn miles.
  • Annual Fees: Paying an annual fee can feel frustrating, and rightfully so. If you opt for a card with a higher fee, you may end up paying more than you'll actually earn in rewards. While there are a few cards on the market that are perpetually free, there are far more that instead offer potential fee waivers. Most fee waivers are contingent on a minimum annual spend amount. For example, you might earn an exemption by spending about S$1,000/month (S$12,000/year). Other cards offer up to 3 years free upfront, with no contingencies (though you'd need to pay the fee thereafter). If you're considering a few cards, think about how much you're likely to spend and earn every month. Can you count on spending enough to earn the waiver, or to earn enough in rewards to offset the fee? Again, it's worth mentioning that miles cards are typically more expensive and are less likely to come with waivers. Usually, these cards come with travel perks however. The higher fee is then offset by the value of the offered privileges.
  • Monthly Earnings Caps: As with both minimum spend requirements and annual fees, knowing your monthly spend level is very important to selecting a card that will optimise your rewards. Credit card rewards typically fall within a spectrum of very high rewards with lower rewards caps and very low rewards with high (or no) rewards caps. If you're a lower or moderate spender, you might prefer a card with higher rates that also has earnings caps. In such a case, you may be able to max out rewards to their fullest without feeling limited by the caps. If you're a higher spender, however, such cards could prematurely cut off your earnings. You could potentially earn more from an unlimited card that has a lower rewards rate. This way, you'll continue earning no matter how large your budget is. When thinking about the best credit card for you, consider how much you'd need to spend to reach the given card's earnings cap. If this amount is roughly equal to your spend level, the card could be a great fit; if it's lower, you may want to search for a card with a higher cap.

OCBC 365 Card v. POSB Everyday Card

  • Promotional rebates of up to 15% in key spend categories
  • Annual Fee:S$192.6
  • Promotions: S$200 cashback with no minimum spend using promo code "DBSFLASH" (must make 1 transaction)
  • Read Our Full Review
POSB Everyday Card is a great all-in-one card for rebates on essentials, with the added convenience of EZ-Link functionality. Cardholders typically earn promotional rates of up to 15% cashback on online food delivery, dining & groceries, transport, health & wellness, and recurring bills. While many of these categories are merchant-restricted, the vendors selected are quite popular (Sheng Siong groceries, MRT rides, Watsons personal care products and more). OCBC 365 Card’s rates are often slightly lower, but cardholders can earn a fee waiver; POSB Everyday Cardholders do not have this option. In general, if you want no-fee rebates on essentials, OCBC 365 Card is a better match. If you’re willing to shop with select merchants and buy in large volumes, you may prefer POSB Everyday Card.

OCBC 365 Card v. UOB One Card

  • Up to 5% rebate on all spend, S$300/quarter
  • Annual Fee:S$192.6
  • Promotions: New cardholders will receive S$80 cash via Paynow upon approval
  • Read Our Full Review
UOB One Card is actually one of the best everyday cards on the market because if offers up to 5% rebate on all spend–from groceries to bills to online shopping and beyond. There are no merchant restrictions (though select vendors earn an even bigger discount through UOB SMART$ Programme) and no category specifications. This makes UOB One Card one of the most flexible cards on the market. Even better, cardholders who spend S$2,000/month can earn up to S$1,200/year.


OCBC 365 Card does have category restrictions, most of which have a lower maximum rebate rate. However, OCBC 365 Cardholders begin earning after just S$800 spend on a month-to-month basis. UOB One Card requires consistent spend across an entire quarter, and people spending between S$500–S$1,000/month can only earn 3.33% up to S$50/quarter (compared to a potential S$240/quarter with OCBC 365 Card). Even further, OCBC 365 Card comes with a fee-waiver, while UOB One Card does not. Overall, UOB One Card is a great match if you’re an average consumer with a steady budget; if your spend level varies, however, you might prefer OCBC 365 Card.

OCBC Frank Card v. Citi SMRT Card

  • Rebates w/ popular merchants, 2% on Auto Top-Ups
  • Annual Fee:S$192.6
  • Promotions: Receive up to S$120 cashback with S$1.2k min. spend in 1st 3mo
  • Read Our Full Review
Citi SMRT Card is a great choice for young professionals on a budget. There’s no minimum spend requirement, and cardholders can earn up to 7% on groceries, 5% on fast food, coffee & cinemas, 3% for online shopping, and 2% on health & wellness. The card is EZ-Link compatible and Auto Top-Ups earn 2% rebate.


OCBC Frank Card also appeals to lower spenders. While it rewards fewer categories, these categories are not merchant-restricted. In addition, OCBC Frank Card comes with a fee-waiver, while Citi SMRT Card does not. Ultimately, Citi SMRT Card is a great match if you’re looking for an everyday card without a minimum spend requirement; OCBC Frank Card is your best option if you spend a great deal online & on local entertainment and want to avoid paying an annual fee.

OCBC Frank Card v. UOB YOLO Card

  • Top weekend rebates of up to 8% for social spenders
  • Annual Fee:S$192.6
  • Promotions: New cardholders will receive S$80 cash via Paynow upon approval
  • Read Our Full Review
UOB YOLO Card is one of the best rebate cards for social weekend spenders on the market. Cardholders earn up to 8% cashback on weekend dining, entertainment and Grab rides after S$600 minimum spend. Cardholders also earn on online fashion and travel spend, though these rates often vary with promotions. The card stands out by offering deals tailored to young adults, including 1-for-1 food & drink specials, nightclub privileges and discount cinema tickets. There’s a S$192.6 fee, waived 1 year.


OCBC Frank Card is the closest competitor to this option. It has a much lower minimum spend (just S$400 offline), and even comes with a fee-waiver. OCBC Frank Card’s rebate rates are comparatively lower, but the card is much more accessible and affordable for young adults.

OCBC Titanium Card v. Citi Rewards Card

  • Up to 4mi/S$1 spend on fashion retail & all online spend
  • Annual Fee:S$192.6
  • Promotions: New cardholders get a set of Airpods Pro (worth S$379) or S$300 upon activating and spending within 60 days of approval
  • Read Our Full Review
With Citi Rewards Card, cardholders earn 10 points (4 miles) per S$1 spend on both online transactions and fashion retail. This includes everything from online food delivery and ride-hailing services to retail clothing, bags, shoes and more. Even better, there are no merchant restrictions. OCBC Titanium Card offers the same rewards rate, but limits rewards beyond fashion to select retailers (Amazon, Shopee, Lazada & more). Nonetheless, OCBC Titanium Card offers a fee-waiver, which Citi Rewards Card does not. Ultimately, if you're a frequent shopper looking to avoid an annual fee, you may prefer OCBC Titanium Card.

OCBC Voyage v. Citi Prestige MasterCard

  • Unltd lounge access, free travel insurance & bonus hotel nights
  • Annual Fee:S$535.0
  • Promotions: New cardholders get a set of Airpods Pro (worth S$379) or S$300 upon activating and spending within 60 days of approval
  • Read Our Full Review
Citi Prestige MasterCard is an excellent option for travellers who prioritise luxury perks. Cardholders enjoy free travel insurance, unlimited airport lounge access, 6 free green fees/year, JetQuay access, bonus 4th hotel nights & much more. In addition, cardholders earn 1.3 miles per S$1 locally and 2 miles overseas, and receive 25,000 annual renewal miles (worth S$250). These work towards offsetting the S$535 annual fee.


OCBC Voyage Card also offers top-notch luxury perks–including free travel insurance & unlimited lounge access–in addition to higher miles rewards rates. It’s annual fee is lower, at S$488. Cardholders do not receive annual renewal miles, however. Ultimately, OCBC Voyage Card is better if you’re looking for flexible miles redemption; Citi Prestige MasterCard may be a better fit if you want to earn bonus miles to offset the annual fee.

OCBC Voyage v. Standard Chartered Visa Infinite Card

Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card
  • Up to 3mi/S$1 overseas, earn rewards for tax payments
  • Annual Fee:S$588.5
  • Promotions: Receive up to 35,000 welcome miles
  • Read Our Full Review
Standard Chartered Visa Infinite Card offers the highest overseas rewards rate at 3 miles per S$1 spend, in addition to an impressive 1.4 miles per S$1 spend locally. This card stands out even moreso, however, for offering rewards for banking activity. In addition to these benefits, cardholders enjoy perks like 6 free lounge visits/year, discounted green fees & free travel insurance.


OCBC Voyage Card, on the other hand, offers lower rates. It does have a boosted rate for local dining, however, as well as more extensive perks–unlimited lounge access and free limo transfers, for example. Overall, if you want a flexible travel card that allows you to earn for dining out at home, OCBC Voyage Card is a great fit. If you spend most of your time and budget overseas, you’ll earn more with SC Visa Infinite Card.

OCBC Voyage v. UOB PRVI Miles American Express Card

  • Up to 20k bonus miles & fee waiver w/ S$50k annual spend
  • Annual Fee:S$256.8
  • Promotions: New cardholders will receive S$80 cash via Paynow upon approval
  • Read Our Full Review
If you’re an above average spender, UOB PRVI Miles Amex Card is a great card for rapid miles accumulation, with the added benefit of a fee-waiver. Cardholders earn 1.4 miles per S$1 locally, 2.4 miles overseas, and 10 miles with major hotels & airlines. In addition, spending S$50,000/year earns exemption from the S$256.8 fee. At this spend level, cardholders also receive 20,000 annual bonus miles (worth S$200).


While these rates are higher than those offered by OCBC Voyage Card, UOB PRVI Miles Card offers far fewer perks (namely free travel insurance & limo transfers). If luxury travel perks are important to you, you’ll likely prefer OCBC Voyage Card. However, if you want to rapidly accrue miles and avoid an annual fee, you might prefer UOB PRVI Miles Card.

OCBC 365 Card v. POSB Everyday Card
POSB Everyday Card is a great all-in-one card for rebates on essentials, with the added convenience of EZ-Link functionality. Cardholders typically earn promotional rates of up to 15% cashback on online food delivery, dining & groceries, transport, health & wellness, and recurring bills. While many of these categories are merchant-restricted, the vendors selected are quite popular (Sheng Siong groceries, MRT rides, Watsons personal care products and more). OCBC 365 Card’s rates are often slightly lower, but cardholders can earn a fee waiver; POSB Everyday Cardholders do not have this option. In general, if you want no-fee rebates on essentials, OCBC 365 Card is a better match. If you’re willing to shop with select merchants and buy in large volumes, you may prefer POSB Everyday Card.
OCBC 365 Card v. UOB One Card
UOB One Card is actually one of the best everyday cards on the market because if offers up to 5% rebate on all spend–from groceries to bills to online shopping and beyond. There are no merchant restrictions (though select vendors earn an even bigger discount through UOB SMART$ Programme) and no category specifications. This makes UOB One Card one of the most flexible cards on the market. Even better, cardholders who spend S$2,000/month can earn up to S$1,200/year.


OCBC 365 Card does have category restrictions, most of which have a lower maximum rebate rate. However, OCBC 365 Cardholders begin earning after just S$800 spend on a month-to-month basis. UOB One Card requires consistent spend across an entire quarter, and people spending between S$500–S$1,000/month can only earn 3.33% up to S$50/quarter (compared to a potential S$240/quarter with OCBC 365 Card). Even further, OCBC 365 Card comes with a fee-waiver, while UOB One Card does not. Overall, UOB One Card is a great match if you’re an average consumer with a steady budget; if your spend level varies, however, you might prefer OCBC 365 Card.

OCBC Frank Card v. Citi SMRT Card
Citi SMRT Card is a great choice for young professionals on a budget. There’s no minimum spend requirement, and cardholders can earn up to 7% on groceries, 5% on fast food, coffee & cinemas, 3% for online shopping, and 2% on health & wellness. The card is EZ-Link compatible and Auto Top-Ups earn 2% rebate.


OCBC Frank Card also appeals to lower spenders. While it rewards fewer categories, these categories are not merchant-restricted. In addition, OCBC Frank Card comes with a fee-waiver, while Citi SMRT Card does not. Ultimately, Citi SMRT Card is a great match if you’re looking for an everyday card without a minimum spend requirement; OCBC Frank Card is your best option if you spend a great deal online & on local entertainment and want to avoid paying an annual fee.

OCBC Frank Card v. UOB YOLO Card
UOB YOLO Card is one of the best rebate cards for social weekend spenders on the market. Cardholders earn up to 8% cashback on weekend dining, entertainment and Grab rides after S$600 minimum spend. Cardholders also earn on online fashion and travel spend, though these rates often vary with promotions. The card stands out by offering deals tailored to young adults, including 1-for-1 food & drink specials, nightclub privileges and discount cinema tickets. There’s a S$192.6 fee, waived 1 year.


OCBC Frank Card is the closest competitor to this option. It has a much lower minimum spend (just S$400 offline), and even comes with a fee-waiver. OCBC Frank Card’s rebate rates are comparatively lower, but the card is much more accessible and affordable for young adults.

OCBC Titanium Card v. Citi Rewards Card
With Citi Rewards Card, cardholders earn 10 points (4 miles) per S$1 spend on both online transactions and fashion retail. This includes everything from online food delivery and ride-hailing services to retail clothing, bags, shoes and more. Even better, there are no merchant restrictions. OCBC Titanium Card offers the same rewards rate, but limits rewards beyond fashion to select retailers (Amazon, Shopee, Lazada & more). Nonetheless, OCBC Titanium Card offers a fee-waiver, which Citi Rewards Card does not. Ultimately, if you're a frequent shopper looking to avoid an annual fee, you may prefer OCBC Titanium Card.
OCBC Voyage v. Citi Prestige MasterCard
Citi Prestige MasterCard is an excellent option for travellers who prioritise luxury perks. Cardholders enjoy free travel insurance, unlimited airport lounge access, 6 free green fees/year, JetQuay access, bonus 4th hotel nights & much more. In addition, cardholders earn 1.3 miles per S$1 locally and 2 miles overseas, and receive 25,000 annual renewal miles (worth S$250). These work towards offsetting the S$535 annual fee.


OCBC Voyage Card also offers top-notch luxury perks–including free travel insurance & unlimited lounge access–in addition to higher miles rewards rates. It’s annual fee is lower, at S$488. Cardholders do not receive annual renewal miles, however. Ultimately, OCBC Voyage Card is better if you’re looking for flexible miles redemption; Citi Prestige MasterCard may be a better fit if you want to earn bonus miles to offset the annual fee.

OCBC Voyage v. Standard Chartered Visa Infinite Card
Standard Chartered Visa infinite Credit Card
Standard Chartered Visa infinite Credit Card
Standard Chartered Visa Infinite Card offers the highest overseas rewards rate at 3 miles per S$1 spend, in addition to an impressive 1.4 miles per S$1 spend locally. This card stands out even moreso, however, for offering rewards for banking activity. In addition to these benefits, cardholders enjoy perks like 6 free lounge visits/year, discounted green fees & free travel insurance.


OCBC Voyage Card, on the other hand, offers lower rates. It does have a boosted rate for local dining, however, as well as more extensive perks–unlimited lounge access and free limo transfers, for example. Overall, if you want a flexible travel card that allows you to earn for dining out at home, OCBC Voyage Card is a great fit. If you spend most of your time and budget overseas, you’ll earn more with SC Visa Infinite Card.

OCBC Voyage v. UOB PRVI Miles American Express Card
If you’re an above average spender, UOB PRVI Miles Amex Card is a great card for rapid miles accumulation, with the added benefit of a fee-waiver. Cardholders earn 1.4 miles per S$1 locally, 2.4 miles overseas, and 10 miles with major hotels & airlines. In addition, spending S$50,000/year earns exemption from the S$256.8 fee. At this spend level, cardholders also receive 20,000 annual bonus miles (worth S$200).


While these rates are higher than those offered by OCBC Voyage Card, UOB PRVI Miles Card offers far fewer perks (namely free travel insurance & limo transfers). If luxury travel perks are important to you, you’ll likely prefer OCBC Voyage Card. However, if you want to rapidly accrue miles and avoid an annual fee, you might prefer UOB PRVI Miles Card.


In some cases, credit cards can be paired with savings accounts to boost the maximum effective interest rate [EIR] earned on the savings account's balance. In the case of OCBC 360 Account, spending at least S$500/month with OCBC 365, Frank, or Titanium Rewards Card can boost the interest rate by +0.30% p.a. on the first S$35k and +0.60% p.a. on the next S$35k. Spending S$500/month is rather reasonable for the average consumer. In fact, cardholders must spend at least S$800/month to access OCBC 365 Card's elevated rewards rates. Consumers can further boost their overall interest rate by crediting their salary, growing their month-on-month balance, or taking out insurance or investments with OCBC. Those who unlock all bonus rates can earn up to 3.48% p.a. at a balance of S$70k.

Opening a savings account is worthwhile in its own right. As an alternative to a fixed deposit–which requires consumers to invest a set amount for a specific amount of time, earning interest at a predetermined rate–savings accounts are much more flexible and accessible. Account holders can typically make withdrawals whenever necessary, as long as they don't allow their balance to fall below a stipulated minimum. Most banks also offer boosts and bonuses that allow consumers to earn higher interest rates for ancillary banking activities. And, as a balance continues to grow over time, interest earned every year increases substantially. Choosing the right savings account–especially one that also rewards credit card spending–can further maximise your earnings without much additional effort.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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