OCBCMastercardCredit Card

OCBC Rewards Card

4 mpd on shopping and selected merchants (15X on Lazada/Shopee).

OCBC Rewards Card card
Base earn rate
0.4 MPD
Max reward rate
4 MPD
top rate
Annual fee
S$196.20
Min income
S$30,000
Local applicants

Reward rules

How this card earns — every rate, cap, and condition.

10X Shopping MCCs (4.0 mpd)

Cap: Up to 4,000 bonus miles per month

Merchant categories included
Fashion5611 Men’s and Boys’ Clothing and Accessories Stores · 5621 Women’s Ready-to-Wear Stores · 5631 Women’s Accessory and Specialty Shops · 5641 Children’s and Infants’ Wear Stores · 5651 Family Clothing Stores · 5655 Sports Apparel, Riding Apparel Stores · 5661 Shoe Stores · 5691 Men’s/Women’s Clothing Stores · 5699 Miscellaneous apparel stores · 5948 Luggage and Leather Goods Stores
Retail Shopping5309 Duty Free Stores · 5311 Department Stores · 5941 Sporting Goods Stores
Merchant categories excluded
Groceries5411 Grocery Stores, Supermarkets

Extracted from Terms & Conditions

To earn Bonus OCBC$, retail transactions made locally or overseas must fall within any of the following MCCs: MCC 5309 – Duty Free Stores MCC 5311 – Departmental Stores MCC 5611 – Men’s and Boys’ Clothing and Accessories Stores MCC 5621 – Women’s Ready to Wear Stores MCC 5631 – Women’s Accessory and Speciality Stores MCC 5641 – Children’s and Infants’ Wear Stores MCC 5651 – Family Clothing Stores MCC 5655 – Sports and Riding Apparel Stores MCC 5661 – Shoe Stores MCC 5691 – Men’s and Women’s Clothing Stores MCC 5699 – Miscellaneous Apparel and Accessory Shops MCC 5941 – Sporting Goods Stores MCC 5948 – Luggage or Leather Goods Stores Bonus 45 OCBC$ will be awarded for every S$5 spend (“Bonus OCBC$”) on shopping spend categories. The maximum Bonus OCBC$ earned from spending in the abovementioned categories that can be credited to each Eligible Cardmember’s card account in each calendar month is 10,000 OCBC$. ** Transactions under MCC 5411 (Grocery stores, Supermarkets) are not eligible to earn any Bonus OCBC$

4×multiplier
Rounded per S$5

10X Online/Retail Merchants (4.0 mpd)

Cap: Up to 4,000 bonus miles per month

Merchant name contains
ALIBABA, ALIEXPRESS, AMAZON, EZBUY, GUARDIAN, LAZADA, MUSTAFA, NTUC UNITY, SHOPEE, TAOBAO, TIKTOK SHOP, WATSONS
Merchant categories excluded
Groceries5411 Grocery Stores, Supermarkets
Retail Shopping5262 Marketplaces

Extracted from Terms & Conditions

On top of that, we also recognise the following list as eligible merchants** (or as stated on the OCBC Rewards Card Website from time to time) which will earn Bonus OCBC$ on any purchases made with these merchants: Alibaba, Guardian, Shopee*, AliExpress, Lazada, Taobao, Amazon, Mustafa Centre, TikTok Shop, Daigou, NTUC Unity, Watsons, Ezbuy, Qoo10 * Shopee Pay transactions under MCC 5262 are not eligible to earn any OCBC$ ** Transactions under MCC 5411 (Grocery stores, Supermarkets) are not eligible to earn any Bonus OCBC$ Bonus 45 OCBC$ will be awarded for every S$5 spend (“Bonus OCBC$”). The maximum Bonus OCBC$ earned that can be credited to each Eligible Cardmember’s card account in each calendar month is 10,000 OCBC$.

4×multiplier
Rounded per S$5

Base (0.4 mpd)

Extracted from Terms & Conditions

5 OCBC$ will be awarded for every S$5 spend (“Base OCBC$”) on all retail spend. For avoidance of doubt, all OCBC$ earned shall be calculated based on each block of S$5 charged to the Card per transaction, and Cardmembers shall not be entitled to any partial or pro-rated award of any OCBC$ for any amount charged that does not amount to a S$5 block. Amounts charged in multiple transactions will not be combined to make up a S$5 block.

0.4×multiplier
Rounded per S$5

Exclusions

0×earn

No miles are earned on 37 merchant categories, including cash advances, education, entertainment and healthcare.

Cash Advances
6010 Financial Institutions – Manual Cash Disbursements · 6051 Quasi Cash / Non-Financial · 6540 Non-Financial Institutions – Stored Value Card Purchase/Load
Education
8211 Elementary & Secondary Schools · 8220 Colleges, Universities · 8241 Correspondence Schools · 8244 Business and Secretarial Schools · 8249 Vocational and Trade Schools · 8299 Schools/Instruction Services
Entertainment
7995 Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting, and Wagers at Race Tracks
Healthcare
5047 Dental/Lab/Medical/Ophthalmic Hospital Equipment & Supplies · 8062 Hospitals
Insurance
5960 Direct Marketing – Insurance Services · 6300 Insurance Sales / Premiums
Retail Shopping
5199 Nondurable Good · 5262 Marketplaces · 5993 Cigar Stores and Stands · 7349 Clean/Maint/Janitorial Services
Telecommunications
4829 Wire Transfer Money Orders
Transport
4784 Tolls and Bridge Fees · 7523 Automobile Parking Lots and Garages
Utilities
4900 Utilities
Other
6012 Financial Institutions – Merchandise, Services, and Debt Repayment · 6211 Securities — Brokers/Dealers · 6513 Real Estate Agents / Managers · 8398 Charitable/Social Organizations · 8651 Political Organizations · 8661 Religious Organizations · 8675 Automobile Associations · 8699 Membership Organizations Not Elsewhere Classified · 9211 Court Costs, Including Alimony and Child Support · 9222 Fines · 9223 Bail and Bond Payments · 9311 Tax Payments · 9399 Government Services (Not Elsewhere Classified) · 9402 Postal Services – Government Only · 9405 Intra-Government Purchases – Government Only
Specific merchants
GRABPAY · YOUTRIP · SHOPEE PAY · SHOPEEPAY · SINGTEL DASH · NETS FLASHPAY · TRANSIT LINK · ENETS · EZ-LINK · EZLINK · AXS
Ready when you are

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