I notice that my reward transaction history looks different from how it did before. Why?
In June 2024, we enhanced the design of the reward transaction history page to allow you to view more information upfront. You can now view the merchant, item and points earned/exchanged for each reward transaction at a glance.

How many transactions can I see at a time?
You can choose to view all the transactions made within the last 180 days.

Can I view the reward transaction history for cards that have been suspended, locked or cancelled?
Yes, you can. Suspending/locking/cancelling a card will prevent unauthorised users from using it; however, the history of reward transactions made using the card will not be removed.

Will I be able to view my reward transaction history as a supplementary cardholder?
No. Only principal cardholders can view and exchange reward points.

The exchange transaction I wish to make comes with an admin fee. Which account will this fee be charged to?
Any admin fee will be automatically charged to the card account that was used to make the exchange transaction. Do note that exchange transactions can only be made by the principal cardholder.

I notice that the merchant name shown for certain transactions differ between my credit card transaction history and reward transaction history. Why is this so?
A merchant name shown in your credit card transaction history may differ from that in your reward transaction history if its registered business name differs from the name it is typically known by.

For example:

• Transactions made at IKEA: Shown as IKEA SINGAPORE SG in the credit card transaction history but as IKANO PTE LTD in the rewards transaction history
• Transactions made at Lazada: Shown as LAZADA SINGAPORE in the credit card transaction history but as ALIPAY S’PORE INVT HLD PTE LTD in the rewards transaction history
We are currently working to standardise how the merchant names are shown in the credit card transaction history and reward transaction history.

Do reward points expire?
OCBC$ will expire 24 months after they are earned. 90˚N Miles and VOYAGE Miles do not expire.

Where can I find my point balance?
Your point balance will be shown in your monthly credit card statements, below your card transactions. Alternatively, visit www.ocbc.com/rewards, log in to OCBC Internet Banking > Rewards or log in to STACK Rewards.

When will my reward points be credited to my account?
We will credit reward points earned from a purchase to your account when the transaction is posted (i.e. when the merchant processes your payment and the funds are deducted from your account). This is usually done within 7 working days of the transaction date.

Can I combine reward points that are in different currencies (OCBC$/90˚N Miles/VOYAGE Miles)?
You can combine points only if they are in the same currency. To have your points be in the same currency, use the Point Exchange tool – available via STACK Rewards – to exchange points of a certain currency for points in another currency.

For example, if you wish to ‘combine’ 1,000 OCBC$ and 1,000 VOYAGE Miles, you can first exchange 1,000 OCBC$ for VOYAGE Miles. You can then combine the points in the form of VOYAGE Miles.

To use the Point Exchange tool, you must have a STACK Rewards account. Do note that there is a minimum number of OCBC$/90˚N Miles/VOYAGE Miles required – and an admin fee of $25 – for each exchange transaction. For details, visit https://www.stackreward.com/Home/About#frequentlyaskedquestions

Can I transfer my points to another person’s credit card account?
If you are a principal cardholder, you can transfer your reward points to another principal cardholder. To do so, log in to OCBC Internet Banking > Rewards > Point transfer. You should indicate the amount you wish to transfer and the other person’s credit card number. 2,300 points in the relevant reward currency will be deducted for each transfer.

What happens to the points that are earned by my supplementary cardholder?
Points earned by your supplementary cardholder are credited to the principal cardholder’s account. The principal cardholder will be able to use these points.

View and redeem OCBC reward points (i.e. OCBC$, VOYAGE Miles and 90N Miles)

Via the OCBC app or Internet Banking

Via the OCBC app

1. Login to OCBC app.
2. Scroll down to the banner that shows details of your OCBC reward points (i.e. OCBC$, VOYAGE Miles and 90N Miles)
3. Tap the banner to see the deals you can redeem using OCBC reward points

Alternatively, tap ‘Rewards’ at the bottom navigation bar.

1. Log in to OCBC Internet Banking
2. Under ‘Rewards’, click on ‘Rewards’
3. Click on ‘Redeem your rewards’. A pop-up will appear
4. Choose the card with the rewards points you wish to redeem and click on ‘Next’. A new browser will open automatically.
5. If you wish to:
   Redeem e-vouchers or make a points exchange
   Tap ‘STACK Reward’ and log in to the STACK Marketplace
   
   Redeem cash credit or KrisFlyer Miles
   Scroll down to see our rewards catalogue
   
   Note:
   If you wish to redeem e-vouchers or offers under ‘Hot deals’, or make a limousine booking, you must use a STACK account. The account must be opened using your email address in our records.

When will my points be deducted from my account?
They will be deducted from your account immediately after you use them to redeem a reward.

When will I receive my cashback/cash rebates?

• For the OCBC NXT and Great Eastern Cashflo Credit Card: Base rebates earned will be credited to your account by the end of each billing cycle.
• For the OCBC 365 and BEST-OCBC Credit Card: Any cashback earned for the transactions made in a month will be credited to your account in the next month.
• For the OCBC INFINITY Cashback Card: Any cashback earned for the transactions made in a month will be credited to your account by the end of the next month.
• For the FRANK Credit Card: Any cashback earned for the transactions made in a month will be credited to your account in – and shown in the monthly billing statement for – the next month.
What types of transactions do I not earn cashback/cash rebates for?
For details, view the T&Cs of the card you hold:
• OCBC 365 Credit Card
• OCBC NXT Credit Card
• OCBC Great Eastern Cashflo Credit Card
• BEST-OCBC Credit Card
• OCBC INFINITY Cashback Card
• FRANK Credit Card