The OCBC Titanium Rewards Card may not be quite as versatile as the Citi Rewards Card or DBS Woman’s World Card, but still has an important part to play in my overall card strategy. With an annual 4 mpd cap of S$13,335, it serves as a great solution for big ticket purchases, and you can double your cap by applying for both the Blue and Pink variants.
If you don’t have an OCBC Titanium Rewards Card yet, OCBC is running an excellent sign-up offer from now till 31 March 2023. New and existing customers can earn 28,800 and 14,400 bonus OCBC$ respectively, with a minimum spend of just S$100.
OCBC Titanium Rewards sign-up bonus
From 16 January to 31 March 2023, customers who are approved for a new OCBC Titanium Rewards Card (Blue or Pink) will be eligible for up to 28,800 bonus OCBC$.
|New customers||Existing customers|
|Sign-up bonus||28,800 OCBC$|
|New customers are defined as those who do not hold an existing OCBC principal credit card, and have not cancelled one in the past 6 months.|
A minimum spend of S$100 within the first 30 days of card approval is required. The gift can be clawed back if the OCBC Titanium Rewards Card is closed within six months from the end of the promotion period.
For avoidance of doubt, you will only qualify for the sign-up bonus once, even if you apply for both the Blue and Pink variants
- A new customer who applies for both the Blue and Pink OCBC Titanium Rewards Cards will receive 28,800 OCBC$
- An existing customer who applies for both the Blue and Pink OCBC Titanium Rewards Cards will receive 14,400 OCBC$
Existing OCBC Titanium Rewards Cardholders are ineligible for this promotion.
Is this worth it?
For a mere S$100 spend, you’ll be taking home 5,760 or 11,520 miles. That’s a simply unbeatable spend to miles ratio (115 mpd!), and even if you chose to convert those OCBC$ to cash credit (please don’t), you’re still talking about a S$40 or S$80 rebate.
Don’t forget that OCBC$ will soon be convertible to nine different airline and hotel programmes, so you’ll be able to trade them for some hotel points or “exotic” miles. A standard S$25 fee applies.
|Frequent Flyer Programme||Conversion Ratio |
The OCBC Titanium Rewards Card’s annual fee is waived for the first two years. You can get an annual fee waiver from the third year onwards with a minimum spend of S$10,000, but in my experience, you don’t need to spend anywhere near that amount to get it.
When will bonus points be credited?
Your bonus OCBC$ will be credited according to the following timeline.
|Card Approval||Credited By|
|16-31 January 2023||April 2023|
|1-28 Feburary 2023||May 2023|
|1-31 March 2023||June 2023|
What spending is eligible?
Cardholders must make a minimum qualifying spend of S$100 within 30 days of card approval.
Qualifying spend refers to any retail transaction, whether face to face or online, but excludes OCBC’s standard exclusions list. This includes:
- Charitable donations
- Education expenses
- Government payments
- GrabPay top-ups
- Insurance premiums
- Real estate agents
- Utilities bills
For the full list of exclusions, refer to the OCBC Titanium Rewards T&Cs, at point 3 (i).
Terms & Conditions
The Terms & Conditions for this OCBC Titanium Rewards Card sign-up bonus can be found here.
Overview: OCBC Titanium Rewards Card
|Income Req.||S$30,000 p.a.||Points Validity||2 years|
(2 Years Free)
|Miles with |
|FCY Fee||3.25%||Transfer Fee||S$25|
|Local Earn||0.4 mpd||Points Pool?||Yes|
|FCY Earn||0.4 mpd||Lounge Access?||No|
|Special Earn||4 mpd on online and offline shopping||Airport Limo?||No|
|Cardholder Terms and Conditions|
OCBC Titanium Rewards Card members earn 50 OCBC$ for every S$5 spent on online and offline shopping, whether in local or FCY spend. This is an effective earn rate of 4 mpd, capped at S$13,335 per membership year.
OCBC defines shopping as purchases made at any merchant with the following MCCs:
|MCC 5311 Departmental Stores||Takashimaya, TANGS, Isetan, OG, Metro, BHG, Marks & Spencer|
|MCC 5611 Men’s and Boys’ Clothing and Accessories Stores||Benjamin Barker, Timberland, Edit Suits, Berluti|
|MCC 5621 Women’s Ready to Wear Stores||Zara, H&M, Mothercare|
|MCC 5631 Women’s Accessory and Speciality Stores||Tory Burch, Love Bonito, Pandora|
|MCC 5641 Children’s and Infants’ Wear Stores||Kiddy Palace, Mummys Market, Pupsik, Motherswork|
|MCC 5651 Family Clothing Stores||Uniqlo, ASOS, Club 21, Burberry, Yoox|
|MCC 5661 Shoe Stores||Skechers, Charles & Keith, Bata, Foot Locker, Pazzion|
|MCC 5691 Men’s and Women’s Clothing Stores||Ezbuy, Zalora, Fartech|
|MCC 5045 Computers, Peripherals, and Software||Apple, Aftershock, Prism Plus, Dell|
|MCC 5732 Electronics Stores||Best Denki, Harvey Norman, Gain City|
|MCC 5699 Miscellaneous Apparel and Accessory Shops||Qoo10, Cotton On, Reebonz|
In addition to this, transactions at the following websites are also eligible for 4 mpd:
- Amazon (discontinued from 1 March 2023 if MCC codes as 5411 [supermarkets])
- Mustafa Centre (discontinued from 1 March 2023 if MCC codes as 5411 [supermarkets])
The main drawbacks are the S$5 earning blocks, as well as the lack of transfer partners (which will no longer be an issue from February).
For a full review of the OCBC Titanium Rewards Card, refer to the article below.
OCBC is offering a very generous sign-up bonus for the OCBC Titanium Rewards Card that’s available to both new and existing customers. With a minimum spend that’s almost token, there’s no reason why you shouldn’t take this opportunity to hop onboard.
Remember that your approval must come in by 31 March 2023, so don’t leave it till the last minute to apply.