ocbc 365 credit card review, benefits and complaints

Unveiling the Perks and Benefits: A Comprehensive OCBC 365 Credit Card Review

In the world of credit cards, finding the perfect one can be a game-changer for your financial life. The OCBC 365 Credit Card is a popular choice in Singapore, known for its array of perks, cashback offers, and lifestyle benefits. In this comprehensive review, we’ll take a deep dive into the features, advantages, and potential drawbacks of the OCBC 365 Credit Card, helping you make an informed decision about whether it’s the right card for you.

An Overview of the OCBC 365 Credit Card

The OCBC 365 Credit Card is designed with the modern lifestyle in mind, offering cashback on a wide range of everyday spending categories. From dining to groceries, online shopping to transportation, this card aims to provide year-round rewards that align with your day-to-day needs.

The Cashback Bonanza

One of the standout features of the OCBC 365 Credit Card is its cashback program. It offers competitive cashback rates on various spending categories, making it a card that truly rewards you for your everyday expenses. With cashback percentages on essential categories such as dining, groceries, fuel, and online shopping, you can maximize your savings without changing your spending habits.

A Culinary Delight

For the foodies out there, the OCBC 365 Credit Card is a gem. It offers attractive cashback rates on dining, making it an ideal choice for those who love exploring new restaurants or simply enjoy dining out regularly. Whether you’re indulging in local delights or treating yourself to a fancy dinner, this card can put money back in your pocket.

Grocery Savings

We all need to stock up on groceries, and the OCBC 365 Credit Card ensures that you get rewarded for this essential spending. With cashback on groceries, you can save a significant amount over the course of a year, making your grocery shopping a little lighter on the wallet.

Fueling Your Savings

Commuting is a daily reality for many, and the OCBC 365 Credit Card recognizes this by offering cashback on fuel expenses. This feature can be especially beneficial for those who rely on personal transportation.

Online Shopping Delights

The card doesn’t forget the digital-savvy shoppers either. With cashback on online shopping, you can make the most of your e-commerce sprees. Whether you’re buying electronics, fashion items, or anything else online, you’ll be getting a little something back each time.

Travel and Transport Benefits

In addition to its cashback program, the OCBC 365 Credit Card also offers travel and transport benefits, including discounts on Grab rides. For those who use ride-hailing services frequently, this can add up to significant savings.

Annual Fee Waiver and Easy Eligibility

The OCBC 365 Credit Card offers an annual fee waiver for the first two years, making it an attractive option for those looking to enjoy the benefits without the added cost. The eligibility criteria for this card are also relatively accessible, making it an option for a wide range of individuals.

Pros and Cons: A Balanced View


  • Competitive cashback rates on multiple spending categories
  • Attractive benefits for dining, groceries, fuel, and online shopping
  • Annual fee waiver for the first two years
  • Travel and transport benefits, including Grab discounts
  • Easy eligibility criteria


  • Limited cashback cap
  • Some restrictions on qualifying transactions for cashback

Customer Experiences: Real Reviews

Let’s hear from customers who have experienced the benefits of the OCBC 365 Credit Card:

“I’ve been using the OCBC 365 Credit Card for over a year, and it’s been fantastic. The cashback on dining and groceries has been a game-changer for my family. We’ve saved a significant amount, and the annual fee waiver is a great bonus.” – Jessica L.

“This card is a great fit for my lifestyle. I use it for my daily commute and enjoy the cashback on fuel expenses. The Grab discounts are also a nice perk, and the application process was straightforward.” – John W.

“I love the cashback on online shopping. It’s like getting paid to shop! The dining benefits are also a huge plus, and I’ve recommended this card to my friends.” – Sarah S.

Final Verdict: A Rewarding Addition to Your Wallet

In conclusion, the OCBC 365 Credit Card offers a range of benefits that cater to everyday spending, making it a strong contender for those looking to maximize their cashback rewards. With its competitive rates on dining, groceries, fuel, and online shopping, as well as its travel and transport benefits, this card has the potential to put more money back in your pocket.

While the cashback cap and certain transaction restrictions may be considerations, the overall value offered by the OCBC 365 Credit Card, including the annual fee waiver and easy eligibility, makes it an attractive option for a wide range of individuals.

If you’re seeking a credit card that aligns with your lifestyle and rewards your everyday expenses, the OCBC 365 Credit Card is definitely worth considering. Explore its features, read the reviews, and see if it’s the perfect addition to your financial toolkit.

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