Here’s The MileLion’s review of the OCBC Rewards Card, better known by its former Titanium Rewards moniker.
For the longest time, this Blue and Pink dynamic duo was a fixture in many miles chasers’ wallets, and oh, the times we had. Who can forget the heady days of 4 mpd everywhere via mobile payments, 12 mpd on public transport, 12 mpd on IKEA, and 8 mpd on online shopping during the pandemic?
But every dream team has its Yoko, and in November 2023, the OCBC Titanium Rewards was on the receiving end of a massive nerf which saw the bonuses for electronics stores, IKEA and Courts removed, and the 4 mpd cap changed from S$13,335 annually to S$1,110 per month. As painful as the former was, it’s the latter that really nuked the value proposition, since the main use case for this card was big ticket spending.
January 2024 saw a rebrand that dropped the “Titanium” label and dual colour scheme in favour of the more generic “OCBC Rewards”, but that was merely cosmetic, and the card offered little that competing cards couldn’t do better.
Until now.
In another delightful twist, OCBC’s newly-launched quarterly bonus promotion has coincided nicely with the rise of HeyMax, and the two combined present an opportunity to earn 6 mpd on up to S$1,000 per month, on pretty much anything.
I don’t know whether that’s worth hopping onboard for the rest of 2024, but if nothing else it’s a nice reward for those who kept the faith.
๐ฆ MileLion Verdict | |
โ Take It โ Take It Or Leave It โ Leave It |
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What do these ratings mean? |
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While it’s only a temporary reprieve, the OCBC Rewards faithful have been rewarded with a 9-month window to earn 6 mpd on almost anything | |
๐ The good | ๐ The bad |
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Overview: OCBC Rewards
Let’s start this review by looking at the key features of the OCBC Rewards Card.
Apply | |||
Income Req. | S$30,000 p.a. | Points Validity | 2 years |
Annual Fee | S$196.20 (2 Years Free) |
Min. Transfer |
25,000 OCBC$* (10,000 miles) |
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 |
Some legacy matters to address here.
Back when this was known as the OCBC Titanium Rewards Card, both a blue and pink variant were available. Both cards were identical in every way except colour, and each card had its own bonus points cap. Customers were perfectly entitled to hold both cards, if they so wished (and many did).
In contrast, there is only a single OCBC Rewards Card. If you’re holding on to both the blue and pink Titanium Rewards Cards, you can enjoy double the bonus cap until they expire. After that, you’ll only receive a single OCBC Rewards Card as a replacement, and therefore no more double bonus cap.
How much must I earn to qualify for an OCBC Rewards Card?
The OCBC Rewards card has a minimum income requirement of just S$30,000 p.a., the MAS-mandated minimum.
If you do not meet the minimum income requirement, it’s possible to get a secured version of the card by depositing S$10,000 in a fixed deposit with OCBC. Visit any OCBC branch to do the necessary paperwork.
What welcome gifts are available?
Apply |
New-to-bank customers who apply for an OCBC Rewards Card through the links in this post can enjoy welcome gifts from SingSaver, including:
- Samsonite Volant Luggage + 1x AirTag (worth S$525.40)
- Apple AirPods 3rd Gen with MagSafe charging case (worth S$274)
- S$220 eCapitaVoucher
- S$200 cash
A minimum spend of S$500 within 30 days of approval is required. Gifts are often rotated, but you’ll always be able to see the latest options on the landing page and T&Cs.
New-to-bank customers are defined as those who do not currently hold a principal OCBC credit card, and have not cancelled one in the past 12 months.
How much is the OCBC Rewards Card’s annual fee?
Principal Card | Supp. Card | |
First 2 Years | Free | Free |
Subsequent | S$196.20 | S$98.10 |
The OCBC Rewards Card has an annual fee of S$196.20 for the principal cardholder, and S$98.10 for each supplementary card. These fees are waived for the first two years.
In subsequent years, a fee waiver will be automatically granted if you spend at least S$10,000 in a membership year, though based on personal experience, OCBC is not very strict about this requirement.
No points are awarded for the payment of the annual fee.
How many miles do I earn?
๐ธ๐ฌ SGD Spend | ๐ FCY Spend | โญ Bonus Spend |
0.4 mpd | 0.4 mpd | 4 mpd on selected online and offline shopping |
SGD/FCY Spend
OCBC Rewards Card members earn:
- 5 OCBC$ for every S$5 spent in Singapore Dollars
- 5 OCBC$ for every S$5 spent foreign currency (FCY)
1 OCBC$ is worth 0.4 airline miles, so that’s an effective earn rate of 0.4 mpd for both local and FCY spending.
All transactions in FCY attract an FCY fee of 3.25%.
๐ณ FCY Fees by Issuer and Card Network |
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Issuer | โ MC & Visa | AMEX |
Standard Chartered | 3.5% | N/A |
American Express | N/A | 3.25% |
Citibank | 3.25% | N/A |
DBS | 3.25% | 3% |
HSBC | 3.25% | N/A |
Maybank | 3.25% | N/A |
OCBC | 3.25% | N/A |
UOB | 3.25% | 3.25% |
BOC | 3% | N/A |
CIMB | 3% | N/A |
Online and Offline Shopping
OCBC Rewards Card members earn:
- 50 OCBC$ for every S$5 spent (4 mpd) on online and offline shopping
This bonus applies to both local and FCY spend, and is capped at 10,000 bonus OCBC$ per calendar month, or S$1,110 per calendar month.
Prior to 1 November 2023, the bonus cap was applied per membership year, allowing cardholders to utilise their entire 4 mpd cap on a single big ticket purchase of up to S$13,335. That’s no longer possible, and nerfs one of the best use cases for this card.
Moreover, it was relatively easy to make one large transaction that maxed out the 120,000 bonus OCBC$ cap, then stop spending on the card for the rest of the year. Now, you’ll have to make transactions of S$1,110 for 12 consecutive calendar months, which realistically speaking would mean bonus OCBC$ left on the table.
What is online and offline shopping?
MCC whitelist
OCBC defines shopping as purchases made at any merchant with the following MCCs:
๐ณ OCBC Rewards Bonus Whitelist (Based on MCC) |
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MCC | Examples (non-exhaustive) |
MCC 5309 Duty-Free Shops |
Lotte Duty Free, King Power Duty Free, The Shilla Duty Free |
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 Womenโs Accessory and Speciality Stores |
Tory Burch, Love Bonito, Pandora |
MCC 5641 Childrenโs and Infantsโ Wear Stores |
Kiddy Palace, Mummys Market, Pupsik, Motherswork |
MCC 5651 Family Clothing Stores |
Uniqlo, ASOS, Club 21, Burberry, Yoox |
MCC 5655 Sports and Riding Apparel |
Nike, Lululemon, Adidas |
MCC 5661 Shoe Stores |
Skechers, Charles & Keith, Bata, Foot Locker, Pazzion |
MCC 5691 Menโs and Womenโs Clothing Stores |
Ezbuy, Zalora, Fartech |
MCC 5699 Miscellaneous Apparel and Accessory Shops |
Qoo10, Cotton On, Reebonz |
MCC 5941 Sporting Goods Stores |
Decathlon, Fila, New Balance |
MCC 5948 Luggage or Leather Goods Stores |
Louis Vuitton, Coach, Rimowa |
Do note that the OCBC Rewards Card no longer offers bonuses on computers (MCC 5045) or electronics stores (MCC 5732) ever since 1 November 2023, so this isn’t the right card to use at places like Best Denki, Courts, Harvey Norman or iStudio.
For avoidance of doubt, Amaze does not change the MCC of a transaction, so all the abovementioned transactions will still earn bonuses when you pair the OCBC Rewards Card with Amaze. This could come in useful when shopping at overseas factory outlet stores, for example.
Specific merchants
In addition to the MCC whitelist, transactions at the following merchants are also eligible for 4 mpd:
๐ณ OCBC Rewards Bonus Whitelist (Based on Merchant Name) |
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^Amazon and Mustafa Centre transactions under MCC 5411 are not eligible to earn any OCBC$ *Shopee Pay transactions under MCC 5262 are not eligible to earn any OCBC$ |
Do note that Courts and IKEA were removed from this list on 1 November 2023.
Unlike the previous section, bonuses here are awarded based on specific merchant name. If you use a card that modifies the name of the merchant, such as Amaze, you will not earn the bonus.
Quarterly 6 mpd promotion
Since January 2024, OCBC has been running a quarterly promotion that gives Rewards Cardholders 6 mpd at selected merchants such as duty-free stores and departmental stores in Singapore and overseas.
- Q1: TANGS & SHEIN
- Q2: Duty-free shopping, department stores and Watsons
- Q3/4: Department stores and Watsons
No registration is required, and the 6 mpd earn rate is capped at S$1,000 per calendar month. Any spending above this threshold will earn the usual 4 mpd up till S$1,110, and 0.4 mpd after that.
Component | Monthly Cap (OCBC$) |
Monthly Cap (S$) |
Base: 5 OCBC$ per S$5 (0.4 mpd) |
N/A | N/A |
Regular Bonus: 45 OCBC$ per S$5 (3.6 mpd) |
10,000 OCBC$ | S$1,110* |
Special Bonus: 25 OCBC$ per S$5 (2 mpd) |
5,000 OCBC$ | S$1,000 |
*Really S$1,111, but remember that OCBC only awards points in blocks of S$5 |
What this means is that ever since the start of April, and all the way till the end of December, OCBC Rewards Cardholders have been able to earn 6 mpd on up to S$1,000 per month at department stores under MCC 5311.
Even if you don’t shop at Takashimaya or TANGS, this is a big deal because HeyMax, the website better known for its MCC lookup tool, also sells vouchers for a staggering array of merchants.
๐ 1,000 Max Miles joining bonus |
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Sign up for a HeyMax account and get up to 1,000 Max Miles as a welcome bonus (redeemable for 25 airlines & hotels at a 1:1 ratio) |
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1,000 bonus Max Miles |
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These would normally code under a wide range of MCCs, but when purchased as vouchers through HeyMax, will universally code as MCC 5311.
I hope you see where I’m going here. Whether you’re buying electronics or furniture, booking activities, taking a Grab or gojek, ordering food delivery, buying eSIMs or shopping online, you can use HeyMax to turn that into a 6 mpd opportunity for the OCBC Rewards Card.
The sheer variety of HeyMax voucher coverage means you should be easily maxing out the S$1,000 cap each month. To sweeten the deal even further, you can earn Max Miles from voucher purchases on top of your credit card miles, convertible to 25 different airline and hotel programmes at a 1:1 ratio.
So in a way, HeyMax is hard carrying OCBC here. OCBC’s offering the 6 mpd, but HeyMax is providing the bridge to everyday life. 6 mpd on S$1,000 each month is like the good old days of the UOB Lady’s Card, only that you don’t need to pick a bonus category!
When are OCBC$ credited?
Base points will be awarded when the transaction posts (typically in 1-3 working days).
Bonus points will be received by the end of the next calendar month.
Base Points (1X) | Credited when transaction posts |
Bonus Points (9X) | Credited by the end of the next calendar month |
If you’re earning points under the limited-time quarterly 6 mpd promotion, the extra 5X points (2 mpd) will also be credited by the end of the next calendar month.
How are OCBC$ calculated?
Here’s how you can work out the OCBC$ earned on your OCBC Rewards Card:
Base Points (1X) | Round down transaction to nearest S$5, then divide by 5 and multiply by 5 |
Bonus Points (9X) |
Round down transaction to nearest S$5, then divide by 5 and multiply 45 |
On 1 June 2020, OCBC started awarding credit card points in blocks of S$5. This means you’ll be penalised should your transaction not be in a block of S$5. For example, a S$9.90 transaction will earn the same number of points as a S$5 transaction, and a S$4.99 transaction will earn zero points. In other words, the minimum transaction to earn points is S$5.
Here’s how this policy affects the miles you earn on the OCBC Rewards Card, compared to another 4 mpd card like the Citi Rewards.
Earn Rate: 4 mpd |
Earn Rate: 4 mpd |
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S$5 | 20 miles | 20 miles |
S$9.99 | 20 miles | 36 miles |
S$15 | 60 miles | 60 miles |
S$19.99 | 60 miles | 76 miles |
S$25 | 100 miles | 100 miles |
S$29.99 | 100 miles | 116 miles |
If you’re an Excel geek, here’s the formulas you need to calculate points:
Base Points (1X) | =ROUNDDOWN (X/5,0)*5 |
Bonus Points (9X) |
=ROUNDDOWN (X/5,0)*45 |
Where X= Amount Spent |
For the full list of formulas that banks use to calculate credit card points, do refer to these articles:
OCBC does provide a breakdown of points earned, though this is somewhat poorly executed since OCBC uses reference numbers rather than merchant names for tracking. You’ll need to cross reference your card statement to figure out which transaction is which.
Full instructions are provided below.
What transactions aren’t eligible for OCBC$?
A full list of transactions that do not earn OCBC$ can be found in the T&Cs.
I’ve highlighted a few noteworthy categories below:
- Charitable Donations
- Education
- GrabPay Top-Ups
- Government Services
- Insurance Premiums
- Non-Profit and Government Hospitals
- Real Estate Agents & Managers
The OCBC Rewards will not earn 4 mpd on platforms like CardUp, ipaymy and RentHero.
You can earn points on bus/MRT rides with SimplyGo, but there’s no reason to settle for 0.4 mpd when much better options exist.
For avoidance of doubt, Amaze transactions are eligible to earn 4 mpd with the OCBC Rewards, subject to the MCC falling under the relevant bonus categories.
What do I need to know about OCBC$?
โ Expiry | โ๏ธ Pooling | ๐ฐ Transfer Fee |
2 years | Yes |
S$25 (per conversion) |
โฌ๏ธ Min. Transfer | โ๏ธ No. of Partners | โฑ๏ธ Transfer Time (KF) |
10,000 OCBC$ | 9 | <24 hours |
Expiry
OCBC$ earned on the OCBC Rewards Card expire after 2 years.
For example, OCBC$ earned from 1-31 July 2020 will expire on 31 July 2022, and OCBC$ earned from 1-30 November 2023 will expire on 30 November 2025.
Pooling
OCBC$ pool across all OCBC$-earning cards, but not with cards earning 90ยฐN Miles or VOYAGE Miles.
For example, if you have 20,000 OCBC$ on the OCBC Rewards Card, and 10,000 OCBC$ on the OCBC Premier Visa Infinite, you can redeem 30,000 OCBC$ at one shot and pay a single conversion fee. However, you cannot combine 90ยฐN/VOYAGE Miles together with OCBC$ in a single redemption.
Since OCBC$ pool, you do not need to transfer them out before cancelling your OCBC Rewards Card, assuming it’s not your last OCBC$-earning card.
Transfer Partners & Fee
After numerous delays, OCBC has finally added eight new airline and hotel partners to its rewards programme.
Frequent Flyer Programme | Conversion Ratio (OCBC$ : Miles) |
25,000 : 10,000 |
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10,000 : 4,000 | |
10,000 : 4,000 | |
10,000 : 4,000 | |
10,000 : 3,600 | |
10,000 : 3,600 | |
10,000 : 2,900 | |
10,000 : 2,800 | |
10,000 : 2,000 |
Unfortunately, the transfer ratios for the eight new partners leave a lot to be desired.
I would at the very least have expected Asia Miles to enjoy the same conversion ratio as KrisFlyer. That’s the way it is for every other bank on the market, and it effectively eliminates Asia Miles as a viable transfer partner. After all, why on earth would you take a 25% haircut on the value of your OCBC points (and therefore your card spending rebate) when no other bank forces you to do that?
Likewise, it’s disappointing to see that there’s a 10% haircut for British Airways Executive Club and Etihad Guest, when Citibank and the HSBC TravelOne Card offer transfers to both at the same ratio as KrisFlyer.
As for hotel partners, the ratios for IHG and Marriott Bonvoy aren’t that appealing when you factor in the opportunity cost- you’re basically forgoing 1 KrisFlyer mile (~1.5 SG cents) for every IHG (~0.5 US cents/0.67 SG cents) or Bonvoy (~0.7 US cents/0.94 SG cents)
What about Accor? This is an easier comparison since Accor works like a cashback programme where 2,000 points = โฌ40. This implies an opportunity cost of 1.5 SG cents per KrisFlyer mile, which is marginal, really. I would only consider it if Accor brings back one of its conversion bonuses.
OCBC, to its credit, does offer periodic transfer bonuses which can improve the ratios, but most of these aren’t I’d call “must take” deals:
- July 2024: 70% transfer bonus to Marriott Bonvoy
- June 2024: 15% transfer bonus to British Airways Executive Club
- November 2023: 15% transfer bonus to Asia Miles
- October 2023: 20% transfer bonus to Flying Blue (this was a good deal, to be fair)
- October 2023: 50% transfer bonus to IHG One Rewards
Regarding minimum conversion blocks:
- Transfers for KrisFlyer miles must be in blocks of 25,000 OCBC$
- Transfers for all other programmes must be a minimum of 10,000 OCBC$, but subsequent conversions can be in blocks of 1,000 OCBC$.
A S$25 fee applies to all conversions.
Transfer Times
OCBC splits its partners across two different platforms:
- Transfers for KrisFlyer miles are done via the OCBC Rewards portal, and are usually processed within 24 hours
- Transfers for the other programmes are done via the STACK Rewards portal, under the Points Exchange tab. Transfers should be more or less instantaneous (with the exception of Accor Live Limitless, which will take a few working days), because they’re powered by Ascenda Loyalty which has a direct API linkage with the airlines.
Other card perks
Bonus interest with OCBC 360 account
๐ฆ OCBC 360 Interest Structure | ||
First S$75K | Next S$25K | |
Salary | 2.0% | 4.0% |
Save | 1.2% | 2.4% |
Spend | 0.6% | 0.6% |
Wealth (Insure) | 1.2% | 2.4% |
Wealth (Invest) | 1.2% | 2.4% |
Base Interest | 0.05% | |
Max EIR | 7.65% | |
Additional Grow bonus of 2.4% p.a. available if minimum ADB at least S$200,000 |
OCBC Rewards Cardholders who spend at least S$500 per month on their card will be eligible for a bonus 0.6% p.a. on the first S$100,000 in an OCBC 360 Account.
Assuming you keep the full S$100,000 inside, that works out to an extra S$600 interest per year.
Terms and Conditions
- OCBC Rewards Terms and Conditions
- OCBC Rewards 6 mpd promotion
- OCBC$ Rewards Programme Terms and Conditions
Summary Review: OCBC Rewards Card
Apply | |
๐ฆ MileLion Verdict | |
โ Take It โ Take It Or Leave It โ Leave It |
In my last review of the OCBC Rewards Card, I confidently said that you could leave it, because there were many other cards I’d sooner use which offered higher earn rates, bigger bonus caps, or wider bonus whitelists.
But everything changed in April when MCC 5311 became a 6 mpd category, and now that it’s been extended till 31 December 2024, a rethink might be necessary.
Obviously, this is great news for those who kept the faith and held on to the card, because it’s an easy opportunity to earn up to 54,000 miles from S$1,000 of spending each month- just add HeyMax. That’s as big a “take it” as I can think of.
Where it gets a bit trickier is if you (like me) cancelled the card already. Given that it’s already July, is it worth hopping back on?
Well, if you’re eligible for a new-to-bank welcome offer through SingSaver, I’d say why not (though I might apply for an OCBC 365 Card or OCBC 90ยฐN Visa first, since the SingSaver sign-up reward is better at the time of writing, then apply for the OCBC Rewards as an existing customer). You can make the most of the remaining months, and get a nice gift for your efforts.
This, after all, is the only 6 mpd card left in the market at the moment (yes, keyboard gang, the UOB Lady’s Card can offer 6 mpd too, but you’ll need to jump through the UOB Lady’s Savings Account hoop). And it’s just very hard to say no to 6 mpd.
It remains to be seen what OCBC does after this promo ends, but assuming a return to status quo, my previous advice still holds. Under normal circumstances, I can think of many other cards I’d sooner use than the OCBC Rewards (e.g. DBS Woman’s World Card, Citi Rewards, UOB Preferred Platinum Visa), so the OCBC Rewards only comes into the picture if:
- You’re a big spender who maxed out the bonus caps on other 4 mpd cards already
- You’re buying a big ticket item where the cost can be split over several cards, and the merchant is on the bonus whitelist
So that’s my review of the OCBC Rewards Card. What do you think?
Overall a solid card. I think it would be 4.5* if OCBC had a greater range of transfer partners.
Was careful to rate it a step below wwmc, because of xfer partners + More restricted 4 mpd
Personally, I feel that they cater to different use cases, although I see where you’re coming from. This would be the card I use if I had a purchase costing more than $2K.
โFor example, if you have 20,000 OCBC$ on both the Blue and Pink versions of the OCBC Titanium Rewards Card, you can redeem 40,000 OCBC$ at one shot and pay a single conversion fee.โ I think the example is slightly misleading as you cannot redeem 40,000 OCBC$ at one shot since you must convert in multiples of 25,000 OCBC$. Also, it seems from OCBC rewards redemption website that it is possible to transfer OCBC$ from one principal cardholder to another principal cardholder for 2,300 OCBC$ which may be useful if you have less than 25,000 OCBC$ and wish… Read more »
Hi, anyone knows if there’s a way to track how much I’ve spent in the membership year?
I had to call them to check and confirm. Other way is pretty manual i.e. going through the statements (can do on their app) but only for up to 180 days
Does this work when you link the card to the Amaze card?
Think it does. But unsure how it will work overseas, cos now cannot find the MCC of merchants easily, let alone overseas.
Letโs say Iโm going to Uk/France, any tips on finding out whether I can get 4mpd on shops like Primark or even boutiques like Chanel/LV?
Recently used the OCBC Titanium Rewards card at Goyard in Paris and was suprised to learn that the MCC for Goyard is 7631 – Clock, Jewellery and Watch Repair from the OCBC CSO so no bonus points. I did point out to the CSO that the MCC doesn’t seem correct because Goyard does not sell clocks, jewellery or watches? Anyway, it doesn’t seem to make any difference for the bonus. I wished there were a comprehensive list/warning list which stores (local & overseas) will not get bonus with OCBC Titanium Rewards but also it would be great if OCBC would… Read more »
All’s good until they refuse to waive off annual fee…
exactly. ocbc gives 0 customer leeway.
Just to clarify that we wonโt get the bonus points if we buy airline tickets such as Singapore Airlines, or buy cruise packages with this card since no related MCC could be found in the T&C?
Canโt recall the annual spending requirements for wavier but mine seems to get have annual fee waived off automatically so itโs been a no brained for me to keep this card.
@aaron do you put annual fee cost and waivers into rating consideration
due to the MCC issue, Was not given bonus point last i swiped it in LV store in MBS, learnt the lesson hardway
wow must be painful! what was LV’s MCC?
Based on data points, LV should be 5948 – uggage and leather goods. Would be good if there is a crowd source consolidated list of data point for shopping boutiques
but you don’t need to guess anymore….
https://milelion.com/2022/10/08/how-to-check-merchant-category-codes-mccs-before-spending/
Big purchase coming up, car downpayment of at least 12k, but dont think this card earn any bonus points at car dealers?
Do you know if we’re getting the bonus if we shop on Amzon fresh?
for the 9x bonus points, it will be eligible if I buy something from Apple online store or Courts online store via apple pay using OCBC titanium credit card?
Hello, i am new to the miles game so trying to understand all the benefits/limitations. I have a question for points validity. I am someone who intends to keep my points/miles to hopefully redeem an upgrade for a flight in the future – i can see that the citipremier miles has no expiry so for this purpose it would be good, but it is 1.2 mpd. Does that mean that, for this purpose (keep points for future flight upgrade), cards that have points expiry (e.g. womans card that is 4mpd but validity of 1 year) will not be of use… Read more »
Effective timeline for your exame would be 1 year as reward points + 3 years (assuming krisflyer) as frequent flyer points after transfer
Does anyone know if Shopee pay top ups are eligible for bonus OCBC$? Thanks!
could you kindly try top up a bit and see how it goes? Kindly share with us here!
@Aaron Wong, do you know of any card that gives 4mpd for watch purchases in boutique shops? Seems like they fall under MCC5944, which does not fall under the OCBC titanium or Citi Rewards shopping categories? Amaze would only cover the first 1K…
@Aaron: I assume this card is no good for Airline ticket purchase (eg: Business class to Europe). I struugle currently with monthly spending caps of Citi Rewards and HSBC Revo when I have to buy business class tickets
you can use the DBS altitude visa for 3mpd capped at $5k per month
i Have gotten the card approved on 19 Jan 2023 for exiting card holder and made the $100 spending within 30 days but the Product Manager mentioned to the service agent that my application is not tagged along the promotion and I am wondering what kind of tag they are referring.
Limited MCCs…
Is there any CC worth using for say, Rimowa luggage purchase over 2K SGD? Or is it just local general spending being the only way?
This card is it good for payment for Rimowa luggage?
Should be “Shopee Pay transactions under MCC 5262 are not eligible to earn any OCBC$” instead of 5626, at least according to TnC governing OCBC Titanium Rewards Programme with effect from 1 Mar 2023
Hi all, anyone knows if Chanel qualify in any of the mcc categories for ocbc titanium card?
Starting from 01 Nov2023, MCC 5732 Electronics Stores, MCC 5045 Computers, Peripherals, and Software will be excluded from the bonus. How sad
Hi! Where did you get this info? I am planning to purchase a Mac Mini at the Apple Store soon. Will this be affected?
https://milelion.com/2023/10/01/nerf-ocbc-titanium-rewards-to-cap-bonus-ocbc-by-month-remove-bonus-for-electronics/
Thanks Aaron. Iโm fairly new with this whole thing of cards mile game and learned most of it from your milelion. Actually iโve just received my Titanium, Citi Rew, HSBC Revo and DBS Womans this month.
somehow with this nerfing of the OCBC card, it diminished its value prop especially with my intention purchasing big electronics items , ~8k. Any advice or work around on this? Appreciate your patience on a noob like me.
Hello Aaron, Iโm confused by the below 2 paragraphs: โFor avoidance of doubt, Amaze does not change the MCC of a transaction, so all the abovementioned transactions will still earn bonuses when you pair the OCBC Titanium rewards Card with Amaze. This could come in useful when shopping at overseas factory outlet stores, for example. โ And then in a later paragraph: โDo note that bonuses are awarded based on specific merchant name, so if you use a card that modifies the name of the merchant (e.g. Amaze), you will not earn the bonus.โ So would using Amaze get the… Read more »
the two statements can be true at the same time.
100% agree. Leave it. Most useles bank and useless card in Singapore.
Does the 4mpd work when you use FavePay to buy vouchers in HeyMax as I can’t seem to use credit card to purchase vouchers in HeyMax as it returns an error
I believe FavePay has different MCC for different merchants. You should test the MCC using Amaze/DBS to make sure it’s in the OCBC whitelist.
heymax has always used favepay; the naked credit card options are new. the website says it’s 5311 regardless.
The naked credit card option on HeyMax does not work for me
this card + heymax + amazon prime deal was an epic combination
This card cheats at least from my one-time experience. I bought a dress at a women’s clothing store at Orchard Central, the MCC assigned was for book store, therefore no bonus points
sorry to hear that, but your gripe isn’t with ocbc- it’s with the merchant. ocbc has no control over how mcc are assigned.
I don’t think so. The merchant is a well-known brand, it’s not likely it has any foul play involved on MCC and I also checked MCC through the Instarem App. It clearly shows as 5621(clothing) instead of 5942 for the bookstore.
I bought $100 of foodpanda vouchers on heymax using favepay and OCBC Rewards card, i got back exactly 100 OCBC$, there is no bonus at all.
Is this page updated?