Can someone enlighten me on how I can get to know if I have fully utilized the OCBC 365 credit card for cashback?

I fancy the OCBC 365 credit because it has cash rebate of $80, but only after you full fill their criteria. They require a minimum spending of $800 per month which in turn earns interest from different spending. This card suits me just fine being that I have broad spending habit and in the process it gives me $80 cash rebates every month. My only dislike is the rebate on the general spending which is 0.3%.

My card got hacked recently and I was prompted by the OCBC credit card fraud department that my credit card had been compromised. Fortunately the discovery by OCBC at the right time ensured that the transaction never got through. For security reasons, my card was suspended and I had to wait for my new card to arrive. This 365 card is really good in cash rebates and implement some promotion of 1 for 1 for dining.

I have used this card for many years and I agree that it used to be the best card among other banks, until when they increased the cap from $600 to $800. Their customer service used to be very poor, however over the years, I got to say that their customer services improved tremendously, especially solving customer dispute. I have recommend this card to my friends over the years and will continue to do so.

I realised that OCBC bank will assign a courier man to drop by your place and ask you to sign on the hardcopy form. I would say it is "very unique". It happens to my sister and my brother-in-law who eventually also applied OCBC 365 card. I think the bank officer call them to offer them, and then the officer fill up the form for them. Then it is understandable for a courier man is assigned to drop by and a signature on hardcopy form is requested.

This card gives rebate for dining, petrol and shopping. This card is widely accepted and has many promotions tied up with many merchants too which I find to be very convenient. With $80 maximum rebate per month, you can hit $960 per year which makes it one of the best cash back card available.

For me bill payment was easy and practically stress-less as it was done directly with my OCBC savings account. The App I found is pretty user friendly and avails all transactions there at a glance. They also have a ton of other promotions especially for dining and petrol which comes in handy with savings.

I am quite very disappointed with this card as I have never received the vouchers for all the points I have accumulated so far. I have on several occasions made complaints via the phone and even in person, but all to no avail. I would not recommend this card to anyone for this reason, i have to say unfortunately.

The Citi SMRT card is a pretty decent card for spending but they unfortunately exclude travel related online merchants. This to me is the downside of the card and may be a reason to get another card for travel websites.

For me nothing beats the 5% year-round cash rebates on dining, groceries, petrol and transport (that is taxis, ride hailing, trains and buses inclusive), locally and overseas when you spend minimum S$600 per month. And the cash rebate is capped at S$150 per month. So if you don’t drive, not to worry as you can enjoy 5% cash rebate for your transportation needs, be it a taxi ride, a booking made via ride hailing apps, or trains/buses.

Unfortunately, the HSBC advance card is not an unlimited cashback card as they have a cap on the cashback per month, even for advance banking clients. Furthermore, if you are not an advance banking client, you would not get subsequent card fee waiver if you do not get to spend at least $12,000 in a year.

My family had a really fun time with the 10% off Siam Adventure Club Family Package Booking which came with breakfast for 2 adults and up to 2 kids with a Kids room setup in room and full access to kids activities. We even enjoyed daily evening drinks for whole family on selected menu from 5pm to 6pm.

If you target to spend on major event tickets and high price items with the plan to split by instalment then this card is for you. However I notice that if you have an existing OCBC saving account, it makes bill payments much more seamless. And aside from being able to split payment into monthly instalments interest free, you can earn up to 1% rebate on your purchase. Only few cards in the market that allow auto convert spending into interest free instalment and still be entitled to 0.5% or 1% cash rebate.