Credit Card Compare

OCBC 365 Credit Card

Data last updated 7 October 2026
27.78%
Purchase rate
S$196.20
Annual fee
23 days
Interest-free
Application

CardIQ

46Fair

Fair

Overall score, out of 100 · How this works

  • Cashback79
  • Rewards13

Customer reviews

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Pros & cons

What's good

  • The 27.78% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 27.8% p.a.).
  • Earns cashback on eligible spending.

Worth noting

  • Includes GST. Waived for the first 2 years, then waived each year you spend S$10,000. The S$196 annual fee is still toward the top of the market (the median is S$0).
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
S$98.10 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
None

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
S$30,000 p.a.
Residency
Singaporean or Singapore PR aged 21 to 55 (S$30,000 a year) or above 55 (S$15,000 a year); foreigner aged 21 and above (S$45,000 a year)
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
28.92% p.a.
Purchases
27.78% p.a.

Fees

Additional cardholder fee
S$98.10
Annual fee
S$196.20 p.a.
Cash advance fee
8% of the amount
Foreign transaction fee
3.25%
Late payment fee
S$100
Over limit fee
S$50

Repayments

Interest-free period
Up to 23 days on purchases
Minimum repayment
S$50 or 3% of the total balance, whichever is higher, and any overdue amount

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Cashback

Cashback cap
S$160 per month
Ongoing cashback
0.25% on eligible spend
Sign-up cashback
S$300
Spend required
S$800 in 2 months

With S$800 of spend in a calendar month: 6% fuel, 5% dining, 3% groceries, land transport, Watsons, utilities, streaming and EV charging, capped at S$80 a month (S$800 tier) or S$160 (S$1,600 tier); below S$800 a flat 0.25%; up to 1% on marketing-platform spend with no cap or minimum. Categories, rates and cap change on 1 November 2026 (one S$800 tier, S$160 cap).

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate27.78%Tied for best (1st of 10 cards)
Overseas fee3.25%Top 25% (2nd of 10 cards)
Annual feeS$196 a yearTop 25% (3rd of 10 cards)
Interest-free days23 daysBetter than most (3rd of 8 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
OCBC