The OCBC 360 Account is a deposit account that pays you bonus interest when you do all or any of these:

• Credit your salary through GIRO
• Save and increase your account balance
• Spend on your OCBC Credit Card
• Insure or invest with OCBC

The account comes with e-statements and you can choose to have a cheque book.

1. Earn up to 1.5% per year for crediting your salary of at least S$2,000 through GIRO and/or
2. Earn up to 0.6% per year for increasing your account's average daily balance by at least S$500 from the previous month and/or
3. Earn up to 0.6% per year for spending at least S$500 across your OCBC Credit Cards and/or
4. Earn up to 1.2% per year for 12 consecutive months when you purchase a new eligible insurance and/or investment product from OCBC and/or
5. Earn 1% per year if your account's average daily balance is at least S$200,000 or more.

¹ The maximum interest earned is computed based on the effective interest rate of the respective bonus interest categories and the bonus interest balance cap.

In addition to the above FIVE bonus interest categories that is earned on the first S$70,000:

You will earn 1% per year on your account's incremental balances between your account's average daily balance in the current month and previous month, capped at S$1,000,000.

Please refer to the online calculator available on this page to find out more.

Your bonus interest will be reflected in your e-statement, Online Banking and Mobile Banking transaction history as follows

• 360 SALARY BONUS
• 360 CC SPEND BONUS
• 360 STEP UP BONUS
• 360 WEALTH BONUS
• 360 GROW BONUS
• 360 BOOST BONUS

If you close your account before the bonus interest crediting date, the bonus interest for the previous month will be forfeited.

Each customer is only allowed to open ONE OCBC 360 Account where he/she is the Primary Account holder. The signing mandate can be either signed singly or joint alternate.

Yes you can. There is no lock-in period for this account. You can withdraw money with a debit card and/or access your money through OCBC Online Banking.

You need to credit a minimum salary of S$2,000 to your OCBC 360 Account every calendar month. You can meet this minimum salary requirement through a single credit or multiple credits each calendar month. If there are multiple joint account holders, the total salary amount credited to the account will be considered in meeting the Salary Credit Bonus requirement.

While there are many ways salary gets credited into an account, only direct salary credits through GIRO with the description "GIRO - SALARY" in your statements will qualify for this bonus. Other forms of salary credit such as cheques, cash deposit, fund transfer, etc., strictly do not qualify for this bonus interest.

You just need to inform your HR department of your OCBC 360 Account number as the salary crediting account. You will only need to do it once.

You need to spend a minimum of S$500 across your OCBC Credit Cards (examples of eligible cards are 365, Titanium, Platinum, FRANK, Robinsons, Plus! and Best Denki). Eligible transactions with posting date within the calendar month will be considered, less off and excluding amounts in all transactions that are terminated, voided, reversed or cancelled.

You must also be the Primary Account Holder of the OCBC 360 Account as well as the Principal Cardmember of the eligible OCBC Credit Card(s).

If there are multiple joint account holders, only card spends by the Primary Account holder who is the principal cardmember will be considered in meeting the Credit Card Spend Bonus requirement.

On top of the bonus interest, you will also enjoy all existing privileges of OCBC Credit Cards. Hence, you could be doubly rewarded! Should you not qualify for the bonus interest, you still enjoy all the privileges of OCBC Credit Cards.

Your spending on these cards does not qualify for this bonus:

• Debit cards
• ATM cards
• Corporate cards
• Business cards
• Private label cards

These transactions do not qualify for this bonus:

• Balance transfers
• Cash advance
• Cashwise
• Paylite
• Smartchange
• Fund transfers
• Fees and charges

If you have transactions converted to instalment payment plans through PayLite, Apple (via Telesales or Retail Store), and Samsung Online Store, the transacted and posted amount will be eligible for the relevant calendar month of transaction. Any subsequent monthly repayments to such instalment payment plans will not be eligible.

If you have Cashflo or Instalment Payment Plan purchases, only the monthly instalment amount will qualify.

Any transaction 1) on credit cards that are terminated at any time and 2) that is subsequently cancelled, reversed or made void, will not qualify.

You need to increase your account's average daily balance by at least S$500 from the previous month's average daily balance.

You need to purchase any eligible financial product of at least the minimum amount through OCBC Bank to earn up to 1.2% per year. Only new purchases made from 1 November 2018 will qualify. Purchases of the same financial product will be aggregated, if their effective date post free look/cancellation period or 14 days, whichever is longer, falls in the same calendar month.

For eligible financial product purchases done prior to 1 November 2018, where you had qualified for wealth bonus interest of 1.2% per year on the first S$70,000 of your account balance, and have not completed the 12 month bonus period, you will continue to receive 1.2% per year on the first S$70,000 of your account balance for the remaining bonus period after 1 November 2018.

Table below shows a customer whose account balance is S$70,000 and was eligible for Wealth Bonus of 1.2% per year from September 2018 to August 2019.

For eligible financial product purchases done prior to 1 November 2018, where you have qualified for wealth bonus interest of 0.6% per year on the first S$70,000 of your account balance, and have not completed the 12-month bonus period, you will receive 0.6% per year on the first S$35,000 and 1.2% per year on the next S$35,000 of your account balance for the remaining bonus period after 1 November 2018.

Table below shows a customer whose account balance is S$70,000 and was eligible for Wealth Bonus of 0.6% per year from September 2018 to August 2019.

Note: To ensure that the product you purchase meets your financial needs, our financial consultants will perform a Financial Needs Analysis (FNA) with you in order to help you make an informed decision.

You will receive the wealth bonus for 12 consecutive months after the effective date of purchase post free-look period or 14 days, whichever is later. Effective date refers to the inception date of the insurance product, trade date of unit trust, deposit start date of structured deposit and transaction date of other relevant investment products.

For example:

Unit trusts or structured deposits investments that are subsequently cancelled will not be considered towards the minimum qualifying amount within the relevant calendar month.

The wealth bonus earned on your 360 Account will be extended for another 12 consecutive months after the effective date of (your most recent) purchase post free-look period or 14 days, whichever is later.

Yes. You will continue to get this bonus interest.

There are many ways to pay for insurance or investment products:

• Insurance: Cash, cheque or credit card (except for PrimeGold Bonus 2 which also can be purchased using funds from your SRS account (any agent bank)
• Structured Deposits: Funds from your OCBC deposit account or SRS account (any agent bank)
• Unit Trusts: Funds from your OCBC deposit account, or CPF/SRS account (any agent bank) for applicable funds
• Bonds, Equity-Linked Convertible Investments, Reverse Equity-Linked Convertible Investments, Structured Investments and Structured Notes: Funds from your OCBC deposit account

For insurance:

• Regular & Single Premium Endowment Insurance Plans, please click here.
• MaxRetirement & MaxRetirement Flex, please click here.
• Regular Premium Protection Plans, please click here.
• Universal Life Plans & PremierLife Legacy, please contact your Premier Banking Relationship Manager.

For investments:

• Unit Trusts, please click here.
• Structured Deposits, please click here or visit any OCBC Bank branch.
• Bonds, Equity-Linked Convertible Investments, Reverse Equity-Linked Convertible Investments, Structured Investments and Structured Notes, please contact your Premier Banking Relationship Manager.

Alternatively, please leave your contact details here and we will get in touch with you.

These are examples of financial products that do not qualify for this bonus:

• Cash Equities
• Dual Currency Returns
• Financing Facility
• Foreign Exchange (FX)
• OCBC Blue Chip Investment Plan
• OCBC RoboInvest

You will enjoy this bonus interest if your account's average daily balance is at least S$200,000.

For example:

To qualify, increase your account's average daily balance from the previous month's average daily balance.

Your account's average daily balance in the previous month must have at least S$0 or positive balances. This bonus interest will be paid on the incremental balance (difference between your account's average daily balance in the current month and previous month), capped at S$1,000,000.

For illustration purpose: Existing account as of Oct 2018.

If you open a new account, the bonus interest will be based on the average daily balance in the month of account opening.

You will qualify for this bonus in subsequent months based on the incremental balance in the respective months, capped at S$1,000,000.

For illustration purpose: New account opened in Nov 2018.