Choosing the right credit card can make a world of difference in maximising the returns on every dollar spent. But with the multitude of options available in Singapore, how do you find your perfect fit? Fret not, for we have done the heavy lifting for you. Whether you're a frequent traveller looking to earn miles or are simply looking to get cashback on your daily expenses, we've got you covered with our curated selection of the best OCBC credit cards for each need.

Best miles credit card for travellers

For the wanderlust-driven traveller or digital nomad, the OCBC 90°N Card is your ultimate gateway to a world of incredible adventures. With the OCBC 90°N Card, you can earn 1.3 miles for every S$1 spent in local currency and 2.1 miles for every S$1 spent in foreign currency, making your purchases valuable milestones towards your next trip.

The best part? These miles never expire, granting you the freedom to redeem miles at your own pace and plan your dream getaway whenever the time is right. But the benefits of the OCBC 90°N Card do not stop here.

The credit card also offers the flexibility to exchange your miles for loyalty points across a network of nine esteemed airline and hotel partner programmes, including Singapore Airlines KrisFlyer. This means you can choose the rewards that resonate with your travel preferences to create your ideal vacation.

And for those who prefer other rewards, the OCBC 90°N Card offers the option of offsetting your credit card bills with up to 2.1% cash rebates – no limits and no minimum spending required. This added perk ensures that your expenditures not only make your travel dreams more accessible, but also more rewarding.

Best buy now pay later card for flexibility

Perhaps you have a big-ticket item purchase coming up and would like to spread out the cost of the purchase over a longer period. Or maybe you prefer splitting all your expenses into interest-free instalments to have better cash flow. Regardless of your circumstances, the OCBC NXT Credit Card enables you to navigate your financial journey on your terms.

This credit card automatically splits your transactions into manageable monthly instalments without additional interest charges. By enabling cardholders to buy now and pay later, the card offers the ideal solution for easing your monthly cash flow.

Additionally, with cash rebates of up to 1% based on your monthly bill, every dollar you pay becomes an opportunity to save more. Through these ways, the OCBC NXT Credit Card offers not only the financial flexibility you need, but also the added benefit of incentivising your purchases.

Best credit card for savvy shoppers

Is shopping your cardio? Or perhaps you are perpetually on a hunt for deals with the best value and cost savings? If so, then two exceptional credit cards offered by OCBC Singapore should be on your radar: the OCBC 365 Card and the OCBC Titanium Rewards Card.

OCBC 365 Credit Card for the best cashback
Imagine earning cashback simply by paying for your favourite meals, weekly grocery hauls, refuelling your car, or even a Netflix subscription. With the OCBC 365 Credit Card, this is entirely possible when you spend across any of the following categories:

• Transport: Whether it’s bus and train rides, private hire services or taxi rides, generous cashback of up to 3% is awarded for your daily commute and travel expenses. Vehicle owners also receive an impressive 6% cashback on fuel spend at all petrol service stations, alongside 3% cashback for electric vehicle charging.
• Dining: Satisfy your cravings and make each dining experience, whether at home or abroad, more rewarding with 5% cashback on all dining and food delivery.
• Grocery: From your weekly grocery hauls at your neighbourhood grocer to orders from online supermarkets, earn rewards from your spending on these essentials with 3% cashback.
• Pharmacy: Earn 3% cashback on purchases made at pharmacies like Guardian or Watson. Streaming services: Reward yourself with your favourite shows or the latest music hits and earn benefits in the process. Get entitled to 3% cashback when you make payment to popular streaming platforms like Netflix and Disney+.
• Utilities: Pay for recurring telco and electricity bills, and you can easily earn 3% cashback on these must-spends.

With its extensive range of benefits and savings opportunities, the OCBC 365 Credit Card makes one of the best choices of credit cards for the discerning shopper in Singapore to get the most cashback out of every purchase.

For the savvy shoppers that frequent Johor Bahru to stock up on your daily necessities, this is the best card for you, as you can also earn cashback on overseas spend at restaurants, petrol stations, grocery stores and pharmacies.

OCBC Titanium Rewards Card for the best rewards
When it comes to shopping for big-ticket items, opt for the OCBC Titanium Rewards Card. This credit card gives you an incredible 10 times the OCBC$ (or 4 air miles) for every S$1 spent in specific retail categories, including beauty and electronics. With the generous reward rate, your purchases of high-value items will easily accumulate, allowing you to maximise your gains quickly.

As a bonus, cardholders are entitled to a 2% cash rebate on electronics when shopping at Best Denki and e-commerce protection when they pay for online orders with the OCBC Titanium Rewards Card. With this feature, you can shop with peace of mind knowing you’re protected against non-delivery or when e-sellers fail to reimburse you for damaged goods.

This makes the OCBC Titanium Rewards Card your best option for unlocking greater rewards for each online and in-store purchase within and beyond Singapore.

Unlock greater value with OCBC Credit Cards

Ultimately, choosing the right OCBC credit card requires careful consideration of your needs and spending habits, and there’s no one-size-fits-all solution. To truly maximise your rewards and savings, you may want to consider having multiple cards that complement different aspects of your lifestyle.

But regardless of your choice, using the OCBC 90°N Card, OCBC 365 Card, OCBC NXT Credit Card or OCBC Titanium Rewards Card all come with a bonus interest of 0.6% a year on the first S$100,000 if you have an OCBC 360 Savings Account and spend at least S$500 monthly.

If you're still unsure about which credit card is best for you, browse all our OCBC credit card offerings today so you can make an informed decision and start making every dollar you spend count.