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OCBC 365 Card: Best Dining Cashback in Singapore
Ideal for food lovers but watch the fees and spend requirement.
The Quick Version
If dining out is your thing, the OCBC 365 Credit Card is a clear winner with 6% cashback on restaurant spends. But there's a catch: you need to spend at least S$800 monthly to get the full benefit, and the S$194.40 annual fee can sting if you don't meet the waiver conditions.
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
OCBC 365 Credit Card
Singapore's top card for dining cashback at 6%
Fees & Rates
According to OCBC's official page, the card carries a 27.9% p.a. interest rate, which is steep. The annual fee is S$194.40, but it's waived if you spend enough. You'll need to hit a minimum spend of S$800 per month to max out the cashback benefits.
The rewards rate peaks at 6% for dining and fuel, 3% for groceries and online purchases, and drops to 0.25% for everything else.
What's Actually Good
The OCBC 365 stands out with its lucrative 6% cashback on dining — higher than most competitors. It also offers 3% cashback on groceries and online shopping, making it versatile for everyday use. As a Visa card, it's widely accepted globally, adding to its appeal for frequent travelers.
The Catch
The hefty S$194.40 annual fee can be a dealbreaker if you don't consistently meet the spending threshold for a waiver. Also, the 27.9% interest rate is brutal if you carry a balance. Additionally, the cashback on non-dining expenses is modest compared to other cards.
This Card Is For You If...
You're a food enthusiast who spends big on dining and can consistently meet the S$800 monthly spending requirement. It's also suitable if you appreciate a card that rewards grocery and online shopping. But if you can't pay off your balance monthly, look elsewhere — the interest rate is punishing.
The Bottom Line
The OCBC 365 Credit Card is unbeatable for dining cashback in Singapore, but the fees and spending requirement mean it's not for everyone. If dining is your main expense, this card could be your best companion. For more top cards of 2026, check out Why These Credit Cards Lead the Pack in 2026.
