Oversea-Chinese Banking Corporation Rating & Review 2024

I would recommend the card for use by people who frequently purchase clothing and electronics and also in particular from known on online merchants like AliExpress, Amazon, Lazada, Shopee and Taobao.You get 10X points when you shop at retails for babies and children's wear, clothes, bags and shoes, department stores, electronics and gadgets; which cover almost all retails. Also the OCBC Reward is a $10 rebate for 3600 points which I think is fare.

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%.

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.

OCBC Frank Card stands out for its low minimum spend requirement and annual fee waiver however, it’s not a great match for consumers seeking everyday cashback. Online spend on utilities, recurring bills, and school and hospital payments are all not eligible for rebate. Dining, groceries, and other categories are also not rewarded. Ultimately, OCBC Frank Card offers young adults a great, no-fee way to earn cashback from social and online spend. OCBC Frank Card is definitely worth consideration.

OCBC Voyage Card is perfect for well-off consumers with a shifting travel schedule, who want to earn high miles locally and overseas. Consumers earn 2.4 miles per S$1 spend overseas and 1.2 miles on general local spend, which aligns with similar cards. Consumers are most likely to benefit from OCBC voyage card if they spend most of their budget locally, with at least 25% of local spend on dining.

Even as the OCBC Plus! Visa is not a cashback card, thus there is no cap, or "maximum" cash back, you get to still earn rebates in the form of cash rebates and LinkPoints by shopping at NTUC. However do note that there is a minimum spend of $500 in places outside NTUC before the full range of rebates and LinkPoints can be unlocked.

I love that I can enjoy Interest rates starting from 5.80% p.a. (EIR 11.38% p.a.) on their 12-month instalment plan which allows for fixed monthly repayments.The monthly repayment for your Cash-on-Instalments is fixed, allowing you to manage your finances with ease of mind. That works perfect for me as it helps me to be more organized and I give them thumbs up.

So it is really convenient that I can get and use my card instantly when I apply via MyInfo. And the cards instant digital card that can be used for mobile wallets, online and mobile app purchases. Now aside from the same day physical credit card issuance for online applications you also get S$50 cash rebate upon approval with no minimum spend required. However that is only for new OCBC Credit Card applications.

The OCBC Arts Credit Card offers a thrilling 10% off Flex and Flex Plus fares and 5% off Saver fares valid on Economy Class and Business Class to all Emirates-operated destinations.These special fares came in handy and very helpful on my last overseas trip using emirates. Please be aware that all the fares stated are after discount anyway

This is probably the only multi-partner loyalty program that allows you to manage your points, exchanges and programmes almost effortlessly. The really try to make rewards programme members really happy.The card allows us to manage rewards points balances and expiring points across participating rewards programmes, all on one single platform. So you can in effect do away with the pain of slow point’s accumulation.

I was really surprised and delighted when I found out I could get free Delivery when I get to spend a minimum of S$200 in a single receipt on bulky items, mostly items that do not fit into a car boot like my furniture set and home appliances. Those types of purchases have been delivered to mefor free.

Sadly despite this card’s variety and flexibility, rewards are still limited to item-based purchases. Spend that are more closely linked to experiences like dining, entertainment and travel earn just 1 point per S$1. On the flip side, OCBC Titanium Card does offer regional dining discounts, deals at Cathay Cineplexes, and discounted airport lounge and JetQuay Quayside access. However, consumers who spend more on experiences than on items might prefer an alternative Card.

OCBC Titanium card is one of the best shopper cards on the market because its S$192.6 fee is waived with just S$10,000 annual spend. Consumers can pair this with another card to earn high rates in multiple categories with no added cost. Ultimately, OCBC Titanium Rewards Card is an excellent option for shoppers seeking high rates and flexibility.

With a 10x OCBC$ that is 10 points or 4 Miles for every $1 spent on clothes, shoes, bags, department stores, kids wear, electronic gadgets, online, offline, locally and overseas and a 2% Cash Rebate when you spend at BEST Denki, on top of the existing 10 OCBC$ (worth 4 Miles) OCBC Titanium Rewards Card members earn on a usual basis.

I like the cards feature which gives a 10x OCBC$ 10 points or 4 Miles for every $1 spent on clothes, shoes, bags, department stores, kids wear, electronic gadgets, online, offline, locally and overseas. Check out the offering of up to 16% discount at Caltex and Esso stations and the exclusive access at USD 27 per visit per person to more than 800 lounges regardless of the airline

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 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.

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.

If you’re looking for a hassle-free shopping card for big purchases, there’s no better option than the OCBC Cashflo Card. This card offers a 0% interest instalment plan that, unlike the competition, does not charge a processing fee and rewards payments of up to 1% rebate which actually the highest on the market.

OCBC Cashflo Card offers a ‘trigger’ system that is set up to automatically split payments at a given threshold. Almost all other cards require you to call ahead and apply before making the purchase however that is not the case with OCBC Cashflo Card which allows you to conveniently shop now and pay later, and even enjoy 1% cashback on instalments.

OCBC Cashflo Card benefits consumers who frequently spend more than they can immediately afford by providing a convenient 0% interest instalment plan and by offering 1% flat rebate after $1,000 monthly spend (0.5% if below). Cardholders can not only enjoy worry-free shopping, they can also earn on most of their expenditures.

Not to sound too familiar but I actually find OCBC Cashflo Card’s instalment plan to be especially convenient. It offers a unique trigger system that permits consumers to make big, spontaneous purchases without calling ahead or waiting for approval. Consumers specify a threshold for which transactions are automatically split into instalments, with duration based on the total transaction amount. Consumers can then split charges as low as S$100 across as little as 3 months.

The OCBC Cashflo Credit Card is very perfect for big spending as it automatically splits the payments into monthly instalments that is paying over a 3 months period when spending $100 to $1,000 or paying over a 6 months period when spending above $1,000. With the help of monthly instalment it turns out I do not have to keep track of my monthly spending in order to meet minimum spending of $500 for additional interest for my saving account.

I love the cashflo card because it automatically converts your big purchases into zero interest monthly instalments based on the amount you have set in your system. It also does not charge any admin fee or transaction fee which essentially makes this card even more attractive for users. I recommend this card to anyone interested in a decent deal.

Really good card if you’re primary intentions are to spend on big event tickets and pricey purchase and intend to split payment by instalment. I would like to add that it helps if you have an existing OCBC saving account as well as this helps to makes bill payments very seamless.

A very convenient option offering the choice to split your payments into monthly instalments interest free and also allowing you to earn up to 1% rebate on your purchase. Useful for your big ticket items. There are actually few cards in the market that auto convert spending into interest free instalment plus on top of that still entitle you to 0.5% or a 1% cash rebate.