OCBC Titanium Rewards Card (Blue)

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Key Features

S$1 = 10 OCBC$
on Online, Offline, Local and Overseas spend
S$50 Titanium cash
with 18,000 OCBC$
10 OCBC$ = 4 Miles
Rewards to Miles Conversion

Promotion

Shopping

Earn 10x OCBC$ (equivalent to 10 points or 4 miles) for every S$1 spent on clothes, shoes, bags, department stores, kidswear, electronic gadgets, whether online or offline, locally or overseas.

Rewards

Earn unlimited base OCBC$ and receive up to 120,000 bonus OCBC$ per card anniversary year.
Use your OCBC$ to offset shopping costs with rebates and discount vouchers or exchange them for products and air miles.

Online Shopping

Principal and supplementary card fees are waived for the first 2 years (S$194.40 and S$97.20 per year, respectively). Subsequent years are waived with a minimum spend of S$10,000 per card anniversary year.
Take advantage of e-Commerce Protection, which protects you against non-delivery or if the seller fails to reimburse you.

Petrol

Enjoy a 14% discount at Esso stations, which includes a 5% Esso site discount, a 5% Smiles card discount, and a 4% OCBC card discount.
Receive a 16% upfront discount at Caltex stations, which includes the station onsite discount and an OCBC card discount.

Other Features

Earn 10x OCBC$ (equivalent to 4 air miles) for every S$1 spent on eligible online and retail purchases at participating merchants like Apple, Shopee, H&M, and more.
Earn 1x OCBC$ on all other eligible purchases.
Enjoy an additional 2% cash rebate at BEST Denki.
Get E-Commerce Protection to safeguard against non-delivery or if the seller fails to reimburse you.
Enjoy a first 2 years fee waiver for both the principal card (S$194.40 per year) and supplementary card (S$97.20 per year).
Please note that the information we provide may differ from what you see on the websites of financial institutions, service providers, or specific product sites. LOANPANDA shall not be liable to compensate the Customer should the information be less updated than that provided by our Partner.

Eligibility

Singaporean/PR Minimum Income

S$30,000

Non-Singaporean Minimum Income

S$45,000

Fees and Charges

Annual Principal Fee: S$194.40
Supplementary Annual Fee: S$97.20
Fee Waiver: Available
Interest Free Period: 23 days
Annual Interest Rate: 26.88%
Late Payment Fees: S$100
Minimum Monthly Repayment: 3% or S$50, whichever is higher
Foreign Currency Transaction Fee: 3.25%
Foreign Check Fee: N/A
Cash Advance Transaction Fee: 6% or S$15, whichever is higher
Overlimit Fee: S$40

Review

By LOANPANDA

The OCBC Titanium Rewards Card is a great option for those who enjoy shopping, both online and offline. Cardholders can earn 10x OCBC$ for every S$1 spent on eligible purchases, which can be converted into air miles.

Additionally, there are various rewards and promotions available, such as a 14% discount at Esso stations and a 16% upfront discount at Caltex stations. The card also comes with e-Commerce Protection and a fee waiver for the first two years. Overall, the OCBC Titanium Rewards Card offers great benefits for those looking to earn rewards while spending on their purchases.

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.