OCBC Titanium Rewards Card (Pink)

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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

Rewards

With the OCBC credit card, you can earn unlimited base OCBC$ as well as up to 120,000 bonus OCBC$ per card anniversary year.
Use your accumulated OCBC$ to offset your shopping expenses with rebates and discount vouchers, or exchange them for products and air miles.

Shopping

Earn 10x OCBC$ (equivalent to 4 air miles) for every S$1 spent on eligible online and retail purchases at popular merchants such as Apple, Shopee, and H&M.

Online 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.
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

Get 10x OCBC$ (equivalent to 4 air miles) per S$1 spent on eligible online and retail purchases at Apple, Shopee, H&M, and more.
Earn 1x OCBC$ on all other eligible purchases.
Enjoy an additional 2% cash rebate at BEST Denki.
Benefit from e-Commerce Protection, which safeguards you against non-delivery or if the seller fails to reimburse you.
Enjoy a first 2 years fee waiver for principal and supplementary card (S$194.40 per year and S$97.20 per year, respectively).
Please note that at LOANPANDA, we make every effort to ensure that our information is accurate and up to date. However, the information you see when you visit a financial institution, service provider, or specific product site may differ from ours. LOANPANDA is not responsible for any discrepancies and is not liable to compensate the customer.

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 versatile credit card that offers generous rewards for both online and offline spending. Cardholders can earn 10 OCBC$ for every S$1 spent on eligible purchases, which can be converted to air miles or used to offset shopping expenses.

The card also offers attractive discounts at Esso and Caltex petrol stations and a 2% cash rebate at BEST Denki. With a minimum income requirement of S$30,000 for Singaporeans and PRs, the card is accessible to many consumers. The first 2 years of the principal and supplementary card fees are waived, making it a good option for those looking for a cost-effective rewards card.

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.