Best OCBC Credit Cards 2019

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.

Table of Contents

OCBC 365 Credit Card: Best No-Fee Cashback Card

Consider this if you are looking for a credit card for general day-to-day use

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

Just as the name suggests, OCBC 365 Credit Card is an ideal card for everyday. It provides superb rebates on many categories like dining (6%), grocery (3%), petrol (23.9%). These essentially covers most of everyone's daily essentials. This card is also quite accessible as a result of its fee waiver for anyone who spends more than S$10,000 per year.


  • Annual fee: S$192.6, waived for 2 years and subsequently waived for annual spend of only S$10,000
  • Rebates: up to 6% on dining, 3% on online shopping, groceries and recurring monthly bills
  • Up to 22.2% on petrol
  • Min annual income: S$30,000 (S$45,000 for foreigners)
  • Promotion: S$50 cashback when you apply for 2 OCBC credit cards online
  • Read Our Full Review

OCBC Frank Card: Best No-Fee Card for Online Shopping & Entertainment

Consider this if you frequently spend money shopping for luxury goods and entertainment

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

OCBC Frank Card is an awesome cashback card for people who like to indulge themselves. Even its design caters to everyone's whims, with 120 unique card designs ranging from teddy bears to racing cars. Its rewards include 6% on online expense and up to 5% on entertainment expenses to help you save on shopping and leisure. Its super low annual fee of S$80 is waived for 2 years, and subsequently waived for anyone who meets the low spending requirements of S$10,000 per year. This card clearly is laser-focused on making you happy.


  • Annual fee: S$80, waived for 2 years and subsequently waived for annual spend of over S$10,000
  • 6% rebate on all eligible online spend, including online shopping, travel bookings and food delivery orders (Requires S$400 of offline spend)
  • 5% rebate on all entertainment expenses on weekends, 3% on weekdays
  • 14% off on petrol at Caltex & Esso stations
  • Min annual income: S$30,000 (S$45,000 for foreigners)
  • Promotion: S$50 cashback when you apply for 2 OCBC credit cards online
  • Read Our Full Review

OCBC Cashflo Card: Best No-Fee 0% Instalment Credit Card

Consider this if you want to earn rebates on your 0% instalment payments

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

If you are looking for a no-fee credit card with 0% instalment plan, OCBC Cashflo Credit Card is likely your best bet. This is the only card with a 0% instalment payment plan that provides an annual fee waiver: its fee of S$160.5 is waived for the first 2 years, and then waived in subsequent years for people who spend at least S$10,000 on the card annually. This card also rewards up to 1% of rebate on all of your purchases, including those made with the instalment plan.


  • Annual fee: S$160.5, waived for 2 years & subsequently if you spend at least S$10,000 annually
  • 1% cash rebate with monthly bill of at least S$1,000
  • 0.5% cash rebate with monthly bill below S$1,000
  • No fee 0% instalment payment plan: earn rewards, pay over 3 months when you spend below S$1,000, over 6 months when you spend above S$1,000
  • Min annual income: S$30,000 (S$45,000 for foreigners)
  • Promotion: S$50 cashback when you apply for 2 OCBC credit cards online
  • Read Our Full Review

OCBC Titanium MasterCard Credit Card: Best No-Fee Miles Card for Shopping

Consider this if you want to accrue miles from your shopping purchases

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

Since its major rebranding in late 2016, OCBC Titanium has, in our estimation, risen to become one of the best air miles credit cards for frequent shoppers. It now provides mile rewards equivalent with those awarded by the Citi Rewards Visa Card, awarding 4 miles for every S$1 spent on shopping and 0.4 miles per S$1 spent otherwise. As it waives its annual fee of S$192.6 for the first 2 years, it is actually cheaper than the Citi Rewards Visa Card, which only waives its annual fee for the first year. Not only that, it also has an added benefit of providing 4 miles for every S$1 spent via mobile payments like Apple Pay and Android Pay, which is widely accepted everywhere in Singapore. Furthermore, this card's annual fee can also be waived as long as you spend a minimum of S$10,000 annually, making it an excellent miles card for frequent shoppers who want to avoid paying high annual fees.


  • Annual fee: S$192.6, 2-year annual fee waiver, with subsequent years waived with annual spend of S$10,000
  • 4 mile for every S$1 on shopping (offline, online and overseas)
  • 4 miles for every S$1 spent on mobile payments (Apple Pay, Android Pay, Samsung Pay)
  • Min annual income: S$30,000 (S$45,000 for foreigners)
  • Promotion: S$50 cashback when you apply for 2 OCBC credit cards online
  • Read Our Full Review

OCBC Voyage: For Busy Professionals and Luxury Diners

Consider this if you have a high annual income and eat out frequently

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000

OCBC Voyage is one of the latest additions to the travel rewards card market. It targets customers who have high spending power but are always busy with unpredictable schedules. It is the only miles rewards program we've seen that allows you to redeem miles for any flight at any time, without a long process time or blacked-out dates. This feature is quite ideal for young professionals who cannot predict their work schedule weeks in advance. Although it has a rather high annual fee of S$488, OCBC Voyage more than makes up for the fee with 1.6 miles for S$1 spent on local dining & retail and 2.3 miles awarded for every S$1 spent overseas. Given these characteristics, we think this card is ideal for busy professionals or for luxury diners.


  • Annual fee: S$488, no waiver
  • 1.6 mile per S$1 spent on local dining and retail spend, 2.3 miles for S$1 spent overseas
  • Flexible miles redemption program that allows you to book any flight you want at anytime
  • Unlimited VIP lounge access, complimentary travel insurance and free airport limo service
  • Min annual income: S$120,000
  • Promotion: S$50 cashback when you apply for 2 OCBC credit cards online
  • Bonus: Welcome bonus of 15,000 miles and ability to buy 150,000 KrisFlyer Miles for S$3,210 (S$0.02 per mile)
  • Read Our Full Review

Compare the Best OCBC Credit Cards

In case you want a quick look at our picks, here are ValueChampion's best OCBC credit cards.

Best OCBC CardsSummaryAnnual Fee
OCBC 365Best No Annual Fee Cashback CardS$192.6Learn More
OCBC TitaniumBest No Annual Fee Miles Card for ShoppingS$192.6Learn More
OCBC FrankNo Fee Entertainment CardS$80.0Learn More
OCBC VoyageMost Flexible Miles RedemptionS$488.0Learn More
OCBC Cashflo1% rebate on 0% Interest Instalment PlanS$160.5Learn More
Best OCBC CardsSummaryAnnual Fee
OCBC 365Learn MoreBest No Annual Fee Cashback CardS$192.6
OCBC TitaniumLearn MoreBest No Annual Fee Miles Card for ShoppingS$192.6
OCBC FrankLearn MoreNo Fee Entertainment CardS$80.0
OCBC VoyageLearn MoreMost Flexible Miles RedemptionS$488.0
OCBC CashfloLearn More1% rebate on 0% Interest Instalment PlanS$160.5

Similar cards from other banks to consider

To help you find your ideal rewards card, we have compared and contrasted each of the OCBC cards with similar cards from other banks. Most of these cards offer fantastic rewards that cater to people with different needs. We also show how much money one can earn or save by using a certain card over a 2-year period. By adding up the cashback, mile awards and promotions that you can earn with each card, we can give you an idea of which Standard Chartered credit card is the best for your circumstances. Do note, however, that your choice depends heavily on your individual spending habits and reward preferences, so you should make sure to read our credit card reviews that we've prepared.

A graph displaying how best OCBC credit cards compare to other cards in Singapore in terms of their rewards
A Graph Comparing 2-Year Dollar Value of OCBC Cards to Cards from Other Banks

OCBC 365 vs POSB Everyday

POSB Everyday card is one of the best cashback cards in the market, and it's quite ideal for everyday use. In a way, it's a more expensive version of OCBC 365. Its grocery cashback of 5% at Sheng Siong is higher than OCBC's, and it also provides rebates on petrol up to 20.1%. Most importantly, POSB Everyday does not have a cap on how much cashback you can earn, and therefore represents an opportunity to earn hundreds if not thousands of dollars in cashback every year, depending on your expenditure. However, POSB Everyday does cost more because its S$128.4 of annual is only waived for the first year. We think highly of both cards, and would recommend making the decision based on your tolerance for annual fees.

OCBC 365 vs Citi Cash Back

Citi Cashback Card is a great card for maximizing discounts on food. While some cards only offer rebates on dining or groceries, Citi Cashback card offers 8% discount on both. 8% is also on the very top end of rewards rates for these categories. While OCBC 365 has a more comprehensive list of benefits, we think Citi Cashback could be a better choice for people whose expenses skew towards taking care of meals in and out of their homes.

OCBC Voyage Card vs Citi Prestige MasterCard Credit Card

Citi Prestige MasterCard Credit Card is a great luxury travel card. First of all, if you are a Citigold member, Citi Prestige card will provide much better benefits for you than OCBC Voyage. While it has a slightly higher annual fee than OCBC Voyage (S$535 vs S$488), its 25,000 annual bonus reward miles actually make Citi Prestige the card cheaper to use. One of the biggest differences between the two cards, in our opinion, is the reward focused on travel and dining. Most mile rewards programs have specific flights blacked out and require you to book in weeks or months in advance, and Citi Prestige is no exception. OCBC Voyage Card is unique in that it provides a much easier way of redeeming miles via its “anytime and any flight” redemption program. Also, if your expense is concentrated around dining, OCBC Voyage can earn miles faster for you than Citi Prestige. However, if you are looking for a more versatile and well-rounded luxury travel card to use on all your expenses, Citi Prestige MasterCard Card could be a better fit for you since it provides 1.3 miles per S$1 spent locally vs OCBC's 1 mile per S$1 offer.

OCBC Voyage Card vs Standard Chartered Visa Infinite Credit Card

Standard Chartered Visa Infinite Card is quite similar to Citi Prestige MasterCard Credit Card. However, Standard Chartered Visa Infinite has its own unique perks. Standard Chartered Visa Infinite is the most expensive card we have reviewed, with an annual fee of S$588.5 (S$100 more than OCBC Voyage). But its flat rate mile award is extremely high at 1.4 miles for local spend and 3 miles for overseas spend, which is even more generous than Citi Prestige. Based on these factors, we think Standard Chartered Visa Infinite Credit Card is ideal for frequent business travelers who spend a lot of time overseas; for others, it may be rather difficult to benefit extensively from the 3 miles per S$1 award. Because miles used for short haul to long haul business class tickets are valued somewhere around S$0.03 to S$0.06, an overseas expenditure of S$5,000-S$10,000 per year can yield S$450 to S$1,800 of value from air miles.

OCBC Voyage Card vs UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card provides an alternative method of earning luxury-rate award miles without the high annual fee. UOB PRVI Miles American Express Card's 1.4 miles per S$1 spent locally and 2.4 miles per S$1 spent overseas matches the top offers from other luxury cards. However, it costs an annual fee of only S$256.8 (waived for 1st year) to use compared to OCBC's S$488. Its travel mile award is actually better than other luxury cards at 6 miles per S$1 spent on travel booking. One downside of this card, though, is that its miles expire every 2 years, and it tends to lag on travel perks like free lounge access and hotel benefits. Lastly, OCBC Voyage Card definitely has a richer bonus that awards 150,000 miles for a payment of S$3,210 (2 cents per mile), as opposed to UOB PRVI Miles Card that requires you to spend S$50,000 a year (over S$4,000 a month) to earn bonus 20,000 miles (about S$2 per mile), a hefty budget for most people who would be sensitive to annual fees.

OCBC Titanium vs Citi Rewards Visa Card

Frequent shoppers looking for a good miles credit card may be interested in the Citi Rewards Visa Card, an excellent alternative to the OCBC Titanium that could be perfect for those who don't mind a relatively higher annual fee (S$192.6, not waived). Like the OCBC Titanium, the Citi Rewards Visa Card provides 4 miles for every dollar spent online, offline, and overseas; and 0.4 miles for every S$1 spent otherwise. However, unlike the OCBC Titanium, it is also more specialised for shopping, with up to 8 miles per S$1 spent at specific shops and retailers. The Citi Rewards Visa Card also features a promotional offer in the form of a S$120 cash credit welcome gift.

OCBC Titanium vs HSBC Revolution card

HSBC Revolution Card is another excellent travel card for those with a low budget. It is actually one of the 2 air miles card that we have reviewed without an annual fee. Just because it's free, however, doesn’t mean its benefits are subpar. HSBC Revolution has a rich rewards system of 2 miles per S$1 spent on online, on dining and on entertainment. While all other spend only gets 0.4 miles, we think HSBC Revolution’s set of rewards is still one of the best available because it addresses some of the biggest spending areas for an average consumer. Like OCBC Titanium, there’s no minimum monthly spend that qualifies you for the award. While both OCBC Titanium and HSBC Revolution cards are great for people with a limited budget and reluctance to pay annual fees, we think the HSBC Revolution card will add more value than OCBC Titanium for people who want to earn miles on a diverse set of needs outside of shopping.

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Duckju Kang

Duckju is the Senior Vice President of ValueChampion Singapore. He covers the financial services industry, consumer finance products, budgeting, and investing. He previously worked in the financial services industry, including at such hedge funds as Tiger Asia and Cadian Capital.

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