Best OCBC Credit Cards in Singapore 2025

Suitesmile rating:

✍️ Short summary
This card gives you a strong earn rate of 4 miles per dollar at specific online/offline shopping merchants (e.g. clothing/shoes, toys, duty free, luggage etc.), up to $1,000 per calendar month, with no minimum spending requirement.

Related: How to check Merchant Category Code (MCC) before paying

Cardholders will only earn 0.4 mpd on other categories and spending above $1,000 per calendar month.

However, at the moment, OCBC only has 2 transfer partners with decent transfer ratios; KrisFlyer and Flying Blue. As flexibility is very important in the Miles Game, I recommend maximizing the limits of other 4 mpd cards first, before using this one.

Not into Miles or travel-hacking? Redeem your points for 2.78% cashback instead, on the aforementioned spending categories.

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💸 Annual fee
$196.20
(First 2 years waived)

💼 Income requirement
$30,000/year

🤑 Foreign currency fee
3.25%
(Lower this fee by linking this card to Amaze)

⏰ Points expiry
2 years from transaction

🫱‍🫲 Transfer partners
KrisFlyer, Flying Blue

💯 Transfer ratio
2.5 OCBC$ = 1 mile

🧮 Transfer block
25,000 OCBC$ (10,000 miles)

💲Transfer fee
$25 per transfer

🤗 Points pooling
OCBC$ from this card cannot be combined with those from other OCBC cards.

❓How/When points are credited
Earn 5 base point per $5 dollar spent, plus 45 bonus points for eligible shopping transactions (equivalent to 4 mpd in total). Base points are credited immediately when the transaction is posted, while bonus points are credited by the end of the following calendar month.

📜 Terms & conditions