OCBC cashback cards: OCBC 365 and INFINITY Cashback

OCBC 365 Credit Card

A broad everyday card: high rates on dining, petrol, groceries and land transport once you spend S$800 a month, with one overall cap. From 1 November 2026 all four categories pay 6%.

Changing on 1 November 2026. From 1 November 2026: 6% on dining, groceries, land transport and petrol, Watsons 3% until 31 March 2027, and one tier — S$800 minimum, S$160 cap. Telco and electricity bills, streaming and EV charging drop to the 0.25% base.

The bonus rates need S$800 of spend in the calendar month, which also sets a S$80 cap; at S$1,600 the cap rises to S$160. Below S$800 everything earns 0.25%.

• Minimum spend: S$800 a month. Counted per calendar month
• Cap: S$80 a month (S$160 from S$1,600 of spend). We count the S$80 cap; spend S$1,600 or more and it doubles
• Annual fee: S$196.20. Waived for the first two years; after that, waived if you spend S$10,000 in a year
• Minimum income: S$30,000 a year (Singaporeans and PRs)
• Card: credit card

What doesn't earn cash back

• instalments, tax, interest, cash advances and balance transfers
• bill payments through internet banking, AXS and SAM
• top-ups of EZ-Link, Transit Link, NETS FlashPay, GrabPay, ShopeePay, YouTrip and similar
• insurance, education, hospitals, government services, parking and charities

Promotion until 31 December 2026: New cardmembers: S$300 cashback for S$800 of spend within 60 days. Terms

Sources: OCBC 365 Credit Card; OCBC 365 cashback terms, to 31 October 2026 (PDF); OCBC 365 cashback terms from 1 November 2026 (PDF). Checked 13 October 2026.

OCBC INFINITY Cashback Card

A flat 1.6% on eligible spend, with no minimum, no cap and no categories to track.

• Minimum spend: none. No minimum; spend in Singapore dollars and in foreign currencies both earns
• Cap: no overall cap. No cap
• Annual fee: S$196.20. Waived for the first year; after that, waived if you spend S$10,000 in a year
• Minimum income: S$30,000 a year (Singaporeans and PRs)
• Card: Mastercard credit card

What doesn't earn cash back

• instalments, tax, interest, cash advances and balance transfers
• bill payments through internet banking, AXS and SAM
• top-ups of EZ-Link, Transit Link, NETS FlashPay, GrabPay, ShopeePay, YouTrip and similar
• insurance, education, hospitals, government services, parking and charities

Sources: OCBC INFINITY Cashback Card; OCBC INFINITY Cashback terms (updated 18 August 2023, PDF). Checked 13 October 2026.

Is the OCBC 365 worth it?

It pays off if you put at least S$800 a month on it and a good part of that goes on dining, petrol, groceries or land transport. In a month under S$800, everything earns just 0.25%. From 1 November 2026 those four categories all pay 6%, up to S$160 a month.

Who is eligible for the OCBC 365?

OCBC asks for a minimum income of S$30,000 a year from Singaporeans and PRs; the conditions for foreigners and the documents needed are on the card's page at OCBC.

What is the minimum spend on the OCBC 365 Credit Card?

S$800 of eligible spend a month. Counted per calendar month.

What is the cash back cap on the OCBC 365 Credit Card?

S$80 a month (S$160 from S$1,600 of spend). We count the S$80 cap; spend S$1,600 or more and it doubles.

Is there an annual fee on the OCBC 365 Credit Card?

S$196.20 a year, including GST. Waived for the first two years; after that, waived if you spend S$10,000 in a year.

What is the minimum spend on the OCBC INFINITY Cashback Card?

There is no minimum monthly spend: the OCBC INFINITY Cashback Card pays its rates from the first dollar of eligible spend. Spend in Singapore dollars and in foreign currencies both earns.

What is the cash back cap on the OCBC INFINITY Cashback Card?

There is no overall monthly cap.

Is there an annual fee on the OCBC INFINITY Cashback Card?

S$196.20 a year, including GST. Waived for the first year; after that, waived if you spend S$10,000 in a year.