If you’ve grown up here in Singapore, or at least lived here long enough, you would have heard of the figurative five Cs that Singaporeans strive to attain. Being one of the five, it’s no wonder that banks here offer a wide-range of credit cards that suit the different lifestyles prevalent in our society today. OCBC, Singapore’s second-largest bank and third-strongest in the world, offers 11 credit cards for you to choose from. No matter whichever stage of your life is at right now, we’ve done the homework for you to find out which OCBC credit card is the best based on your current profile type.
Here are Cardable’s top picks for the best OCBC credit cards suitable for you:
- The Working Fresh-Grad
- The Shopaholic-Wanderluster
- The Business-Traveller
- The Family Guy
- Summary of Best OCBC Credit Cards
- Similar Cards From Other Banks
The Working Fresh-Grad
You’re probably between 24 to 26 years old, fresh out of school and starting on your very first job. Your annual salary have hit the usual minimum annual salary requirement of S$30,000 and you are excited to own your very first credit card now. However, you also feel slightly daunting at the responsibility of owning a credit card and there are so many credit cards out there in the market, which one is the best for you?
Not to worry, here’s the OCBC credit card we feel is best-suited for you and owning the right credit card could actually help you save a lot more with features like cashback. Just remember; know what you’re spending it for, spend within your limits, and don’t miss a payment.
36The OCBC FRANK Card is the perfect lifestyle card to start off with. Get rewarded on your daily spending such as a 6% online transaction rebate from your favourite site and apps such as Grab, Lazada, ASOS, Spotify and Netflix, as well as 0.3% rebate on all other eligible spend!
Sign up now and spend a min. of S$300 by end of next month to earn S$40 cash back!
Highlight of OCBC FRANK Card
- Consider it a low-maintenance card as well, with a low annual fee of only S$80, and they’re even waiving it off for the first 2 years. Thereafter, If you meet their minimum spend of S$10,000 a year, they’ll waive off the fee entirely.
Other details
- Minimum spend of S$600 in offline transactions to qualify for 6% cashback from online spending & in-store mobile payment
- If S$600 minimum spend is not met, rebates will be at a rate of 0.3% will be rewarded
- Rebates are up to S$75 per month
- Minimum annual income of S$30,000 (Foreigners at S$45,000)
The Shopaholic-Wanderluster
You work to shop and/or travel. End of story. You’re a purveyor of all things trendy and experiential. While branded labels might still pique your interest once in awhile, new companies offering value-for-money luxury goods on Kickstarter also catch your attention. From bags to clothing, your shopping destination now ends with a “.com”. Not only that, you take these items with you to your next travel destination and pose in front of picturesque sceneries for that instagram-worthy shot.
Do not let anyone tell you you’re wasting your time and money on this superficial ideology; people choose how they want to leave their mark on this earth, we just do it with footprints across continents, albeit with more class.
For that sassy go-getter, here’s the OCBC credit card you should have:
3The OCBC Titanium Rewards Card is every bit robust as its name suggests. Every S$5 you spend on all retail on this card earn you 5 OCBC$. On top of that, there is also a bonus 45 OCBC$ awarded for every S$5 spend on selected shopping, department store and online spend, including Amazon, Qoo10, Shopee, Lazada, Ikea, Taobao & more! You could be earning up to 50 OCBC$ (worth 20 miles) with just S$5 spend!
These OCBC$ are exchangeable for rewards, listed here on OCBC’s website. Apply now and receive S$300 worth of welcome givt voucher.
Highlight of OCBC Titanium Rewards Card
- What’s really great about this card is the Krisflyer miles redemption exclusively for Titanium Rewards cardholders. When you earn 25,000 OCBC$, you’ll be able to redeem 10,000 Krisflyer miles! Alternatlively, you can also choose to redeem S$50 Titanium Cash when you earn 18,000 OCBC$.
Other details
- Annual fee of S$192.60 (First 2 years free)
- Annual fee waived if minimum spend of S$10,000 a year is met
- Minimum annual income of S$30,000 (Foreigners at S$45,000)
- Cap of 120,000 OCBC$ within one year starting from the month in which your card was issued
The Business-Traveller
Here you are, you are at a stage where you’re well-off in your career already, doing business travels and holding a ranking position that requires you to travel frequently. Your lifestyle demands a certain level of sophistication, convenience, and exclusivity; all to appease the unpredictable schedule you have. You dedicate 100% of focus into your work; but when it comes time to relax, you really just kick-back. Such premiership demands only the best.
Here’s the OCBC credit card best suited for you:
Top Travel Card | OCBC Voyage Card |
The VOYAGE Card is OCBC’s epitome of travel elegance. As stated on their website:
“Meticulously crafted to be the companion of the discerning traveller, OCBC VOYAGE Cards can get you to any city in the world, on any airline with your VOYAGE Miles, any day of the year.”
This OCBC credit card allows you to convert your spending both local and overseas into VOYAGE Miles, which can then be used in line with Krisflyer miles or redeemed for other rewards. The best thing is that VOYAGE Miles never expire and you can redeem flights on any airline, anytime, with no blackout dates (subject to availability of tickets on desired flight). Furthermore, enjoy complimentary travel insurance when you charge your air tickets to the VOYAGE card!
Highlights of OCBC Voyage Card
- It rewards up to 1.3 Voyage Miles with every S$1 spent on local retail, and these miles never expire nor are they restricted by black-out dates, which makes it very flexible compared to other miles rewards card.
- For overseas spending, get 2.2 Voyage miles with every S$1 spent in foreign currency.
- 1-for-1 conversion of VOYAGE miles to Krisflyer miles
- Being a holder of this prestigious card also gives you exclusive access to Voyage Exchange – a 24/7 personal concierge which gets you a whole slew of advantages such as priority invites to local and international concerts, events, and theatre; bespoke recommendations for your travel and shopping; convenience of last-minute travel and medical arrangements.
Other details
- 1 Voyage Mile for every S$1 spent with payment made on AXS Pay + Earn or payment charged to VOYAGE Payment Facilities
- Instant 19% off fuel spend at Caltex with no minimum spending required
- Principal card follows annual service fee options:
- S$488 with 15,000 Voyage Miles
- S$3210 with 150,000 Voyage Miles
- Supplementary card annual fee at S$188, first year waived for first 2 supplementary cards
- Minimum annual income of S$120,000
The Family Guy
You’ve settle down, have about one or two kids and keep yourself occupied with household responsibilities, apart from work. Overseas trips are limited to once or twice a year depending on your kid’s school holidays and your leave availability. Chances are that you and your spouse are constantly looking for better rewards or opportunities to get some money back from all the spending done on groceries, dining, petrol (if you own a car), shopping, etc.
You’re an all-rounder now; balancing between work and family. Your friends are actually inspired by you managing to put your life together so neatly; some of them are still rocking the same haircut from back in university. Whatever the case, you should be proud of what you have accomplished, and treat your family and yourself to some of the rewards these OCBC credit cards have to offer:
 | OCBC 365 Credit Card |
The OCBC 365 Credit Card honours its evident branding; it provides you with monthly rebates on practically all of your daily spending, all year round.
Highlights of OCBC 365 Card
- Enjoy 6% cashback on dining and online food delivery
- Get 3% cashback on groceries, land transport, utilities and online travel
- Enjoy 5% cashback on fuel spend at all petrol service stations + up to 22.1% fuel savings at Caltex
Other details
- 0.3% cashback on all other expenses
- Annual fee of S$192.60 (First 2 years free)
- Annual fee waived if minimum spend of S$10,000 a year is met
- Supplementary card annual fee of S$96.30 (First 2 years free)
- Minimum annual income of S$30,000 (Foreigners at S$45,000)
 | OCBC Platinum Credit |
The OCBC Platinum Credit Card is every bit a no frills, fuss-free, personal promotion gateway. It has a host of special dining, health, wellness, travel and recreational activities that tie in together with the card, and you get to earn 1 OCBC$ for every dollar you spend (exclusions apply). This makes it the ultimate family card to have in your wallet now.
Highlight of OCBC Platinum Card
- This card is for the person who likes it simple and straightforward, who doesn’t want to be pressured with thinking about rebates and miles and such. Just pay, get OCBC$, and redeem.
- Excludes: Monthly Instalment Payment Plans, Paylite, Cash-On-Instalments, cash advance, bank charges, refunded amounts, bills paid via Internet Banking/AXS/SAM, tax payments & TransitLink transactions.
Other details
- Annual fee of S$160.50 (First 2 years free)
- Annual fee waived if minimum spend of S$10,000 a year is met
- Supplementary card annual fee of S$80.25 (First 2 years free)
- Minimum annual income of S$30,000 (Foreigners at $45,000)
The OCBC NTUC Plus! Card is an exclusive card for NTUC Plus! members only. What’s more, you get the card for free (prevailing NTUC membership fee still applies). It’s the best OCBC credit card that gives you the most rebates for your weekly grocery-shopping.
Highlight of OCBC NTUC Plus! Card
- Being an exclusive card for NTUC Plus! Members has some generous perks attached to it as well, such as a 12% off everything you spend on at FairPrice, Unity and Warehouse Club store
- Up to 8% off on online purchases at FairPrice
- Up to 20.3% fuel savings at Esso, and instant 18% off on all fuel grades at Caltex.
Other details
- Eligible for NTUC Plus! Members only.
- No annual card fee (NTUC membership fee applies).
- NTUC’s annual membership fee is $117 ($9 per month from January to November and $18 for December)
- Supplementary cards are free (Up to 3).
- Minimum annual income of $30,000 (Foreigners at $45,000).
Summary of Best OCBC Credit Cards
Here’s a quick summary of the best OCBC’s credit cards:
| Profile | Best OCBC Cards | Summary | Annual Fee |
| The Working Fresh-Grad | OCBC FRANK Card | Best Lifestyle & Entertainment Card | S$80 |
| The Shopaholic-Wanderluster | OCBC Titanium Rewards Card | Best Air Miles Card for Shopping | S$192.60 (First 2 years free) |
| The Business-Traveller | OCBC Voyage Card | Best Flexible Air Miles Redemption | S$488 (free 15k Voyage Miles) |
| The Family Guy | OCBC 365 Card | Best All-expense Cashback Card | S$192.60 (First 2 years free) |
| OCBC Platinum Card | Best No-Frills Rewards Card | S$160.50 (First 2 years free) | |
| OCBC NTUC Plus! Card | Best Grocery Shopping Card | No annual fee (NTUC membership fee applies) |
Similar Cards from Other Banks
If you decide that OCBC isn’t the bank you want to roll with, but desire some of the benefits that are prevalent in OCBC credit cards, don’t worry; we got it covered for you. Let’s see how the credit cards from some of the other banks match up to some of the profiles listed here.
OCBC Frank vs UOB YOLO Credit Card
 | UOB EVOL (Previously YOLO Card) |
The UOB YOLO card is another card focused on the millennial generation; it sports a unique 4-row vertical-stack for the 16 digit numbers, coined the “first quick-read card”. Along with the black to blue gradient fixed onto triangle vectors, it does look pretty suave. Of course, it’s not just the looks. The card offers up attractive rebates and privileges for the young, swipe-happy crowd.
Highlights of UOB YOLO Card
- 8% cashback on weekend dining, entertainment, Grab & UOB travel spend (local & overseas).
- 3% cashback on online fashion and travel spend, weekday dining, entertainment, Grab & UOB travel spend
- 0.3% cashback on all other spend
- Up to 2.5% interest rates per annum with UOB One Account
Other details
- To qualify for full 8% and 3% rebate, customers must spend a minimum of $600 per statement month. If not, customers will only earn 0.3% rebate on all spends.
- Total rebate capped at $60 per month.
- Minimum annual income of $30,000 for Singaporeans ($40,000 at foreigners).
- Annual card fee of $192.60, with a first-year free waiver.
- First supplementary card free for life, second at $96.30.
OCBC Titanium Rewards vs HSBC Revolution Credit Card
 | HSBC HSBC Revolution Credit Card |
Back to being a nomadic-shopaholic, another card that might catch your attention is HSBC’s Revolution Card. Its reward-point system encompasses most of a consumer’s daily spending such as online, local dining and local entertainment transactions; instead of just being limited to a certain category.
Highlight of HSBC Revolution Card
- Each of your spending in online, food delivery or travel bookings will earn you up to 10x Reward points, which are redeemable for a plethora of goodies; from shopping, dining, travelling & home and living
Other details
- No minimum spend required to earn points.
- No limit on points earned.
- No annual card fee
- Minimum annual income of $30,000 ($40,000 at foreigners).
- Get up to S$200 cashback when you sign up
OCBC Voyage vs Standard Chartered Visa Infinite Credit Card
 | Standard Chartered Visa Infinite |
Another practical miles card that you might consider is the Standard Chartered Visa Infinite Card. It’s pretty generous with its miles conversion, offering up to 3 miles for every dollar spent overseas, and 1.4 miles for every dollar spent locally.
Highlights of the Standard Chartered Visa Infinite Card
- As this card does not restrict your spending categories, you get more well-rounded options of how you choose to spend.
- Earn 3 miles for every $1 spent overseas
- Enjoy 35,000 miles as welcome gift when you sign up
- It also includes a variety of travel and lifestyle privileges, such as its complimentary $1,000,000 travel insurance coverage
Other details
- Minimum charge of $2000 in a statement cycle to receive full rates..
- Annual fee of $588.50 with no waiver.
- Minimum annual income of $30,000 for Singaporeans ($60,000 at foreigners).
The kind of card that you would carry is largely dependent on the kind of lifestyle you have. It’s also a reflection of your personality and values, whether is it getting your dollar’s worth of rewards or just simply enjoying the convenience. No particular card is the best and they all have their benefits and drawbacks.
If you do associate similarly with one of the profiles identified above, indulge yourself with more information and explore the possibilities of owning one. Just remember, always be financial responsible and don’t spend more than you earn.
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