Best OCBC Credit Cards Singapore (Miles & Cashback)

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$45,000Annual fee: S$196.20 (first 2 years waived; request waiver every year)

 Earn 4 mpd on shopping (online and in-person), up to S$1,110 per calendar month
 No minimum spending

0.4 mpd earn rate on non-bonus spending
S$5 earning block ^{Transactions under S$5 earn zero miles.}
2-year points expiry term
Only 2 good-value points transfer partners
Bonus category is MCC-sensitive
3.25% foreign transaction fee

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$45,000Annual fee: S$196.20 (first year waived; always comes with 10,000 miles, but request waiver every year ^{Paying S$196.20 for 10,000 miles is not worth it, unless if you need the miles urgently.})

 No minimum spending
 Uncapped earn rates
 Miles don’t expire

Low earn rates (spend with 4 mpd cards instead):
• 1.3 mpd on local spending
• 2.1 mpd on foreign currency spending S$5 earning block ^{Transactions under S$5 earn zero miles.}
Only 2 useful miles transfer partners
3.25% foreign transaction fee

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More information on the

OCBC 90°N Card

Suitesmile rating:

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✍️ Short summary
This card gives you an earn rate of 1.3 miles per dollar on SGD spending, and 2.1 miles per dollar on foreign currency transactions.

There are 2 variants of the OCBC 90°N Card (Visa and Mastercard), both with similar earn rates and benefits.

Miles earned on this card do not expire.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
Miles earned from this card do not expire

🫱‍🫲 Transfer partners
KrisFlyer, Flying Blue

💯 Transfer ratio
1 90°N Mile = 1 KrisFlyer mile

🧮 Transfer block
10,000 90°N Miles

💲Transfer fee
S$25 per transfer

🤗 Miles pooling
90°N Miles from this card cannot be combined with miles/points earned from other OCBC cards.

❓How/When miles are credited
Earn 6.5 90°N Miles per S$5 spent locally (equivalent to 1.3 mpd) and 10.5 90°N Miles per S$5 spent in foreign currencies. 90°N Miles are credited immediately when the transactions are posted.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: S$120,000
Annual fee: S$498 (no waiver; always comes with 15,000 miles)

 Get unlimited airport lounge visits ^{Get unlimited free airport lounge visits worldwide via DragonPass. Entitlement can be used for lounges only (no restaurants and spas), for the principal cardholder only. Supplementary cardholders get 2 free visits per calendar year.}
 No minimum spending
 Uncapped earn rates
 Miles don’t expire

Low earn rates (spend with 4 mpd cards instead):
• 1.3 mpd on local spending
• 2.2 mpd on foreign currency spending S$5 earning block ^{Transactions under S$5 earn zero miles.}
Only 2 useful miles transfer partners
3.25% foreign transaction fee

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OCBC Voyage Card

Suitesmile rating:

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✍️ Short summary
This card gives you an earn rate of 1.3 miles per dollar on SGD spending, and 2.2 miles per dollar on foreign currency transactions.

Principal cardholders can enjoy unlimited free airport lounge visits via DragonPass. However, this entitlement is limited to lounges only (no restaurants and spas) and cannot be used for guests (chargeable at US$32 per visit). Supplementary cardholders get 2 free lounge visits per calendar year.

Miles earned on this card do not expire.

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💸 Annual fee
S$498
(No waiver, always comes with 15,000 miles)

💼 Income requirement
S$120,000

🤑 Foreign currency fee
3.25%

⏰ Miles expiry
Miles earned from this card do not expire

🫱‍🫲 Transfer partners
KrisFlyer, Flying Blue

💯 Transfer ratio
1 Voyage mile = 1 mile

🧮 Transfer block
10,000 Voyage miles

💲Transfer fee
S$25 per transfer

🤗 Miles pooling
Voyage miles from this card cannot be combined with miles/points earned from other OCBC cards.

❓How/When miles are credited
Earn 6.5 Voyage miles per S$5 spent locally (equivalent to 1.3 mpd) and 11 Voyage miles per S$5 spent in foreign currencies (2.2 mpd). Voyage miles are credited immediately when the transactions are posted.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$45,000Annual fee: S$196.20 (first 2 years waived; request waiver every year)

 Get 6% cashback on petrol
 Get 5% cashback on dining
 Get 3% cashback on groceries, public transport, ride-hailing, utilities and EV charging
 Get uncapped 1% cashback on selected advertising platforms

Minimum spending for bonus cashback (per calendar month):Tier 1: S$800
Tier 2: S$1,600 Bonus cashback caps (per calendar month):Tier 1: S$80 per calendar month
Tier 2: S$160 per calendar month Bonus categories are MCC-sensitive
0.25% cashback on non-bonus spending
3.25% foreign transaction fee

📄 Quick review

More information on the

OCBC 365 Card

Suitesmile rating:

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✍️ Short summary

This card gives you 3 to 6% cashback on selected bonus categories upon meeting the monthly minimum spending requirement.

Here are the bonus categories and cashback amounts:

1. Petrol: 6%
2. Dining & Food Delivery: 5%
3. Groceries: 3%
4. Public Transport & Ride-Hailing: 3%
5. Recurring Utility & Telco Bills: 3%
6. Watsons: 3%
7. Streaming: 3%

Bonus cashback comes with the following minimum spending and caps (per calendar month):

• Tier 1: Min. spend S$800, bonus cashback capped at S$80
• Tier 2: Min. spend S$1,600, bonus cashback capped at S$160

Cardholders can also receive uncapped 1% cashback with no minimum spending requirement when spending at the following advertising platforms:

• 99.co
• EdgeProp
• PropertyGuru
• StreetSine
• Facebook & Meta (with MCC 7311)

This is a decent card for dining and transport spending (5% cashback) but the cashback earn rates on other categories are really weak for a card with an S$800/month minimum spending requirement. Consider using better Cashback credit cards.

Get just 0.25% cashback on other spending categories.

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💸 Annual fee
S$196.20
(First 2 years waived)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Bonus cashback is credited by the end of the following calendar month.

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000-S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$45,000Annual fee: S$196.20 (first year waived; request waiver every year)

 No minimum spending
 Uncapped earn rate

Low earn rate of 1.6% cashback (spend with better cashback cards)
3.25% foreign transaction fee

📄 Quick review

More information on the

OCBC Infinity Cashback Card

Suitesmile rating:

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✍️ Short summary

This card gives you uncapped 1.6% cashback on almost everything, with no minimum spending requirement.

The low earn rate is somewhat acceptable for local spending, especially for those who wants a fuss-free card. However, this is not a good card to use for foreign currency spending, which comes with a 3.25% FX fee. Consider using better cashback credit cards.

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💸 Annual fee
S$196.20
(First year waived)

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$45,000/year (Foreigner)

🤑 Foreign currency fee
3.25%

❓How/When cashback is credited
Cashback is credited in the following statement month.

📜 Terms & conditions

🎁 Sign-up promo