Review & Rating OCBC 365 Credit Card 2021

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OCBC 365 Credit Card gives you an offer to an earn cashback 7 days a week, 365 days a year, everywhere. OCBC 365 Credit Card is one of the best everyday cashback cards on the market for average shoppers spending about S$2,000/month.

Credit Card
Rewards
3.0
Customer Service
4.0
Convenience
4.0
Trust
5.0

Oversea-Chinese Banking Corporation

Oversea-Chinese Banking Corporation, Limited (OCBC), is consistently ranked amongst the World's Top 50 Safest Banks by Global Finance and has been named Best Managed Bank in Singapore by The Asian Banker, was formed in 1932 by the merger of three local banks, oldest of which was founded in 1912. It is one of the highest-ranked banks as it is the second-largest financial services group in Southeast Asia by assets and is recognized for its financial strength and stability. OCBC Bank and its subsidiaries are widely acclaimed all throughout Singapore, Malaysia, Indonesia, and Greater China. It has more than 560 branches and representative offices in 19 countries and regions. OCBC Bank and its subsidiaries offer a comprehensive range of specialist financial and wealth management services and are listed on the SGT-ST as one of the largest listed companies in Singapore by market capitalization. It is also one of the largest listed banks in Southeast Asia by market capitalization and has more than 29,000 employees globally.

This card gives me $80 cash rebates every month.

OCBC 365 Credit Card / Oversea-Chinese Banking Corporation

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%.

OCBC credit card fraud department ensured that a fraudlent transaction never got through.

OCBC 365 Credit Card / Oversea-Chinese Banking Corporation

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 got to say that their customer services has improved tremendously

OCBC 365 Credit Card / Oversea-Chinese Banking Corporation

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.

OCBC bank will assign a courier man to drop by your place and a have you to sign on hardcopy forms

OCBC 365 Credit Card / Oversea-Chinese Banking Corporation

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.

You can hit $960 per year which makes it one of the best cash back card available.

OCBC 365 Credit Card / Oversea-Chinese Banking Corporation

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.

The App is very user friendly and avails all transactions there at a glance

OCBC 365 Credit Card / Oversea-Chinese Banking Corporation

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.

Excellent for those who drive often because of the huge petrol discount it has at Caltex

OCBC 365 Credit Card / Oversea-Chinese Banking Corporation

I have been using this card for close to a year now and think it’s excellent for those who drive often because of the huge petrol discount it has on Caltex. Meeting the minimum requirement of $800 is pretty easy provided that you spend on fuel, food, transport and use the card for utilities payment. The only issue is the cashback cap that they have pegged at $80 when it would have been better if there was no cap.

The only downside is the increased minimum spending to get cashback

OCBC 365 Credit Card / Oversea-Chinese Banking Corporation

It was very easy to apply for this card, I did the online application and it was rather fast. No issues and I received my card quite fast. Being that this is my main card, I get bonus interest on my OCBC account after hitting the minimum spending. The only downside is the increased minimum spending to get cashback. This I believe is now $800 minimum spending and cashback capped at $80. For a young adult, this card suits my spending needs and habits so I am satisfied with the experience.