If you’re looking for a credit or debit card in Singapore, you might want to consider OCBC. OCBC Bank is a well-established financial institution that offers a range of credit and debit cards to suit different lifestyles and spending habits. Whether you’re looking for a card that offers cashback, rewards points, or exclusive privileges, there’s likely an OCBC card that will meet your needs.
OCBC cards come with a variety of features and benefits, including discounts on dining, shopping, and entertainment, as well as travel perks like airport lounge access and travel insurance. Additionally, OCBC offers a user-friendly mobile app that allows you to manage your card, track your spending, and pay your bills on-the-go. Applying for an OCBC card is easy and can be done online or in-person at a branch location.
If you’re interested in learning more about OCBC credit and debit cards in Singapore, keep reading. In this article, we’ll provide an overview of the different types of cards available, as well as the rewards and benefits they offer. We’ll also cover how to apply for an OCBC card, how to use it for daily spending, and how to manage your account. Finally, we’ll discuss the fees and charges associated with OCBC cards, as well as some of the special features and additional services that are available.
Key Takeaways
- OCBC Bank offers a range of credit and debit cards to suit different lifestyles and spending habits in Singapore.
- OCBC cards come with a variety of features and benefits, including discounts on dining, shopping, and entertainment, as well as travel perks like airport lounge access and travel insurance.
- Applying for an OCBC card is easy and can be done online or in-person at a branch location.
OCBC Card Overview
If you are looking for a credit or debit card in Singapore, OCBC Bank has a wide range of options to choose from. With OCBC cards, you can enjoy exclusive perks and rewards tailored to your spending needs. In this section, we will give you a brief overview of the different types of OCBC cards and help you decide which one is best for you.
Types of OCBC Cards
OCBC offers a variety of credit and debit cards that cater to different lifestyles and needs. Here are some of the most popular ones:
- OCBC 365 Credit Card: This card is perfect for those who love to dine out and shop. With up to 6% cashback on dining, groceries, and online shopping, you can save a lot of money every month.
- OCBC Titanium Rewards Card: If you are a shopaholic, this card is for you. You can earn 10 OCBC$ (which can be converted to miles or vouchers) for every $1 spent on eligible online and offline transactions.
- OCBC Frank Card: This card is designed for young adults who love to hang out and have fun. With up to 6% cashback on entertainment, online shopping, and NETS FlashPay Auto Top-Up, you can enjoy your favourite activities without breaking the bank.
- OCBC Plus! Visa Debit Card: This card is perfect for those who prefer debit cards over credit cards. You can earn up to 3% rebates on your daily essentials, such as groceries, petrol, and recurring bills.
OCBC Credit Cards vs Debit Cards
OCBC credit cards and debit cards have their own unique features and benefits. Here are some of the key differences between the two:
- Credit cards: With OCBC credit cards, you can enjoy rewards points, cashback, and other perks. However, you will need to pay interest on your outstanding balances if you do not pay your bills in full and on time.
- Debit cards: With OCBC debit cards, you can enjoy rebates and convenience without the risk of overspending. You can only spend the money you have in your account, and you will not need to pay interest on your purchases.
In conclusion, OCBC offers a range of credit and debit cards to suit different lifestyles and needs. Whether you prefer cashback, rewards points, or rebates, there is an OCBC card for you.
Applying for OCBC Cards
If you’re interested in getting an OCBC Credit or Debit Card, the process is straightforward. Here’s what you need to know:
Eligibility Criteria
Before you apply, make sure you meet the eligibility criteria. You must be at least 21 years old and have an annual income of at least SGD 30,000 to apply for an OCBC Credit Card. For a Debit Card, the minimum age requirement is 16 years old, and there is no minimum income requirement.
Application Process
You can apply for an OCBC Card online or in-person at an OCBC branch. If you apply online, you can use MyInfo to complete the application process quickly. MyInfo is a Singapore government service that allows you to pre-fill your application with your personal information, so you don’t have to fill out the same information repeatedly.
To apply online, visit the OCBC website and select the card you want to apply for. Then, click the “Apply Now” button and follow the instructions. You’ll need to provide your personal details, employment information, and income details. Once you’ve submitted your application, you’ll receive an instant decision on your eligibility.
Documentation Required
When you apply for an OCBC Card, you’ll need to provide some documentation to support your application. For a Credit Card, you’ll need to provide your NRIC or passport, your most recent income tax notice of assessment, and your latest computerised payslip. For a Debit Card, you’ll need to provide your NRIC or passport.
In conclusion, applying for an OCBC Card is easy and straightforward. Make sure you meet the eligibility criteria, prepare your documentation, and apply online using MyInfo for a quick and hassle-free process.
Rewards and Benefits
When it comes to credit and debit cards, OCBC has you covered with a range of rewards and benefits. From cashback and rebates to miles and travel perks, there’s something for everyone. Here’s a closer look at what you can expect.
Cashback and Rebates
With OCBC credit cards, you can enjoy cashback and rebates on your everyday purchases. Whether you’re shopping for groceries, dining out, or buying petrol, you can earn cashback and rebates on your spending. Some of the cards even offer bonus cashback on specific categories, such as online shopping or entertainment. Plus, with the OCBC 365 Credit Card, you can earn up to 6% cashback on your spending, making it a great choice for those looking to maximise their rewards.
Miles and Travel Perks
If you’re a frequent traveller, you’ll love the miles and travel perks offered by OCBC credit cards. With cards like the OCBC VOYAGE Card, you can earn VOYAGE Miles on your spending, which can be redeemed for flights, hotels, and more. Plus, with the Premier Voyage Miles Programme, you can enjoy exclusive perks like airport lounge access and travel insurance.
Exclusive Discounts and Offers
In addition to cashback and miles, OCBC credit cards also offer exclusive discounts and offers. From dining deals to shopping discounts, you can save money on your favourite activities and purchases. Plus, with the OCBC Titanium Rewards Credit Card, you can earn rewards points on your spending, which can be redeemed for a variety of products and services.
Overall, OCBC credit and debit cards offer a range of rewards and benefits that can help you save money and earn great rewards. Whether you’re looking for cashback, miles, discounts, or rewards, there’s a card for you. So why wait? Apply for an OCBC credit or debit card today and start enjoying the benefits!
Using OCBC Cards for Daily Spending
Are you looking for a credit or debit card that offers exclusive perks and rewards for your daily spending? Look no further than OCBC Bank. With a variety of cards tailored to your spending needs, you can enjoy cashback, discounts, and other benefits every time you use your card.
Local and Overseas Transactions
OCBC cards are accepted at millions of merchants worldwide, making them the perfect choice for your local and overseas spending. With the ability to manage your overseas card usage easily through digital banking, you can travel with peace of mind knowing that your card is secure.
Online and Contactless Payments
In today’s digital age, online and contactless mobile transactions are becoming increasingly popular. OCBC cards offer a seamless and secure payment experience for your online and contactless spending needs. With the ability to link your card to mobile wallets such as Apple Pay and Google Pay, you can enjoy the convenience of paying with just a tap of your phone.
Dining and Entertainment
If you love dining out or enjoying a night of entertainment, OCBC cards have got you covered. With exclusive dining and entertainment promotions, you can enjoy discounts, cashback, and other benefits when you use your card at participating merchants. Whether you’re looking for a romantic dinner for two or a night out with friends, OCBC cards offer a range of benefits to enhance your experience.
In summary, whether you’re looking for cashback, discounts, or other benefits for your daily spending, OCBC cards have something for everyone. With the ability to manage your card usage easily through digital banking, enjoy a seamless and secure payment experience for your online and contactless spending needs, and exclusive promotions for dining and entertainment, using an OCBC card has never been more exciting.
Managing Your OCBC Card
As an OCBC Credit or Debit Cardholder in Singapore, you have access to a range of features and tools to manage your card. Here are some of the ways you can manage your card:
Online Banking and Mobile App
With OCBC’s online banking and mobile app, you can easily manage your card from anywhere, at any time. Log in to your account to view your card balance and transaction history, pay your bills, and set up automatic payments. You can also update your personal information, such as your address or phone number, through the online banking portal.
Transaction Alerts and Security
OCBC takes online fraud seriously and offers several security features to protect your card. You can set up transaction alerts to receive SMS notifications every time a transaction is made on your card, giving you peace of mind that your card is being used safely. Additionally, OCBC uses One-Time Password (OTP) authentication for online transactions, adding an extra layer of security to your card.
Card Activation and Deactivation
When you receive your new OCBC Credit or Debit Card, you will need to activate it before you can start using it. You can activate your card through the online banking portal or the OCBC mobile banking app. If you ever need to deactivate your card, you can do so quickly and easily through the same channels.
Overall, managing your OCBC Credit or Debit Card is simple and convenient with OCBC’s digital tools and security features.
Fees and Charges
If you’re considering getting an OCBC credit or debit card, it’s important to understand the fees and charges associated with them. Here’s what you need to know:
Annual Fees and Waivers
Most OCBC credit cards come with an annual fee, but the good news is that many of them are waived for the first year. Additionally, some cards offer waivers for subsequent years if you meet certain spending requirements.
For example, the OCBC 365 Credit Card has an annual fee of S$192.60, but it’s waived for the first two years. After that, you can get the fee waived for the third year and beyond if you spend at least S$10,000 per year on the card.
Interest Rates and Charges
If you carry a balance on your OCBC credit card, you’ll be charged interest on that balance. The interest rate varies depending on the card you have and your creditworthiness.
For example, the OCBC Cashflo Credit Card has an interest rate of 25.92% per annum, while the OCBC Titanium Rewards Credit Card has an interest rate of 26.88% per annum.
Foreign Currency and Overseas Fees
If you use your OCBC credit or debit card for foreign currency transactions or overseas transactions, you may be charged additional fees.
For foreign currency transactions, you’ll be charged a fee of 1.8% of the transaction amount. For overseas transactions, you’ll be charged a fee of 2.8% of the transaction amount.
It’s worth noting that some OCBC credit cards offer waivers for these fees. For example, the OCBC Voyage Card offers a waiver for foreign currency transaction fees.
In conclusion, while there are fees and charges associated with OCBC credit and debit cards, many of them can be waived if you meet certain requirements. Be sure to read the terms and conditions carefully before applying for a card to ensure you understand all the fees and charges involved.
Special Card Features
If you’re looking for a credit or debit card that offers more than just basic features, OCBC has got you covered. With a range of cards that come with unique perks and benefits, you’re sure to find one that suits your lifestyle. Here are some of the special features of OCBC Credit & Debit Cards Singapore:
OCBC Titanium Rewards Card
The OCBC Titanium Rewards Card is perfect for those who love to shop. With this card, you can earn 10X OCBC$ (or 4 air miles) for every S$1 spent on eligible purchases at Best Denki stores, electronics, and appliances. Plus, you can earn 10X OCBC$ (or 4 air miles) for every S$1 spent on flights and hotel bookings through Expedia, Agoda, and more. With no minimum spend required, you can start earning rewards right away.
OCBC 365 Credit Card
The OCBC 365 Credit Card is designed to help you save money on your daily expenses. With this card, you can earn up to 6% cashback on dining, groceries, petrol, and online shopping. Plus, you can earn 3% cashback on recurring telco bills and 5% cashback on all other spend. With no minimum spend required, you can start earning cashback right away.
OCBC Voyage and Platinum Cards
If you’re a frequent traveler, the OCBC Voyage and Platinum Cards are perfect for you. With these cards, you can earn air miles on your everyday spend and redeem them for flights, hotels, and more. Plus, you can enjoy exclusive travel perks such as free travel insurance, lounge access, and more.
No matter which OCBC Credit & Debit Card you choose, you can enjoy interest-free instalment payments with the OCBC PayLite feature. This feature allows you to split your purchases into monthly instalments, making it easier to manage your finances.
With so many unique features and benefits, OCBC Credit & Debit Cards Singapore are a great choice for anyone looking for a credit or debit card that offers more than just basic features.
Additional Card Services
If you are looking for additional services that come with your OCBC credit or debit card, you are in luck! OCBC offers a variety of services to help you manage your finances and make your life easier. Here are some of the additional card services that you can enjoy:
Supplementary Cards
Do you have a family member or loved one who would benefit from having their own credit or debit card? OCBC offers supplementary cards that you can give to your family members or friends. These cards are linked to your account, so you can set a credit limit and monitor their spending. It’s a great way to help your loved ones build their credit history and manage their finances.
Balance Transfer and Cash Advance
If you have a high-interest credit card or personal loan, you can transfer your balance to your OCBC credit card and enjoy a lower interest rate. OCBC offers balance transfer plans with interest rates as low as 0% for a limited time. You can also take out a cash advance on your credit card if you need cash quickly. Just be aware that cash advances come with a higher interest rate and fees.
Concierge and Lounge Services
As an OCBC cardholder, you can enjoy concierge services that can help you with travel arrangements, restaurant reservations, and more. You can also enjoy access to airport lounges around the world, regardless of your airline or class of service. Just present your OCBC credit or debit card at the lounge and enjoy complimentary food, drinks, and Wi-Fi.
Overall, OCBC credit and debit cards offer a range of additional services that can help you manage your finances and enjoy your travels. Whether you need a supplementary card for a loved one, want to transfer your balance to a lower interest rate, or need help with travel arrangements, OCBC has you covered.
Frequently Asked Questions
How can I get in touch with the customer support for OCBC card services?
If you have any queries or concerns regarding your OCBC credit or debit card, you can contact the customer support team via phone, email, or online chat. To speak to a representative, you can call the OCBC hotline at +65 6363 3333. Alternatively, you can send an email to [email protected] or chat with a representative online through the OCBC website.
What are the standout benefits of the OCBC 365 Credit Card?
The OCBC 365 Credit Card is a popular choice among Singaporeans due to its attractive benefits. Some of the standout perks include up to 6% cashback on dining, 3% cashback on groceries, and 5% cashback on fuel spend. In addition, cardholders can also enjoy discounts on dining and petrol at selected merchants.
What’s the minimum income requirement to be eligible for an OCBC credit card?
The minimum income requirement for an OCBC credit card varies depending on the type of card you are applying for. For example, the minimum income requirement for the OCBC 365 Credit Card is S$30,000 per annum, while the requirement for the OCBC Titanium Rewards Credit Card is S$48,000 per annum.
Which OCBC credit card offers the most rewarding perks for users?
The OCBC credit card that offers the most rewarding perks depends on your spending habits and lifestyle. The OCBC 365 Credit Card is a popular choice for those who frequently dine out and spend on groceries, while the OCBC Titanium Rewards Credit Card is ideal for those who enjoy shopping and travelling.
Can I use my OCBC ATM card for direct debit transactions?
Yes, you can use your OCBC ATM card for direct debit transactions. However, do take note that direct debit transactions are only available for selected merchants and services.
How do I distinguish between my OCBC debit and credit card features?
To distinguish between your OCBC debit and credit card features, you can refer to the card type indicated on the card. Debit cards are typically labelled as “ATM Card” or “Debit Card”, while credit cards are labelled as “Credit Card”. Additionally, you can also check your card statement for details on the transactions made.
