Since early 2024, the OCBC Rewards Card has been running a quarterly 6 mpd promotion, offering upsized miles for selected merchants and MCCs.
The most recent edition, which covered Watsons and department stores, ended on 30 June 2025. OCBC has now launched a new offer that runs till the end of 2025, and while Watsons has been retained, department stores have been replaced by online shopping platforms, namely Shopee, Lazada, TikTok Shop and Taobao.
This will be bad news for anyone who was buying HeyMax vouchers โ which code as department stores โthough at least itโs not as restrictive as previous bonus categories, like duty-free or TANGS.
OCBC Rewards offering 6 mpd for Watsons and online shopping platforms
From 1 July to 31 December 2025, OCBC Rewards Cardholders will earn 6 mpd at the following merchants:
- Watsons
- Shopee
- Lazada
- TikTok Shop
- Taobao
This offer is available to all cardholders, and no registration is required. Bonuses will be awarded for both SGD and FCY spend, whether offline or online.
Bonuses are awarded based on merchant name, rather than MCC. Thatโs a good thing, mind you, because e-commerce platforms like Shopee and Lazada can process transactions over a wide range of MCCs. Do note that in the case of Shopee, transactions made using Shopee Pay under MCC 5262 are ineligible.
However, this also means that if you were to pair the OCBC Rewards Card with Amaze (for whatever reason), you wouldnโt earn the bonus because the merchant name will be changed to Amaze.
The 6 mpd earn rate is capped at S$1,000 per calendar month; any spend above this will earn the usual 4 mpd up till S$1,110, then 0.4 mpd afterwards.
| Component | Monthly Cap (OCBC$) |
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$5 |
||
Both principal and supplementary cardholder spend will be aggregated when awarding the bonus OCBC$, but supplementary cards do not have their own bonus cap.
If you happen to have a legacy OCBC Titanium Rewards Blue and Pink Card, each is treated as a separate product, so each principal card will have its own bonus cap.
When will bonus miles be credited?
The additional 25 OCBC$ per S$5 (2 mpd) will be credited by the end of the next calendar month, following the relevant transaction posting date.
This is the same timeframe for the posting of the additional 45 OCBC$ per S$5 (3.6 mpd) that is an evergreen feature of the card.
Terms and Conditions
The T&Cs of this offer can be found here.
Overview: OCBC Rewards Card
| OCBC Rewards Card |
|||
| Apply | |||
| Income Req. | S$30,000 p.a. | Points Validity | 2 years |
| Annual Fee | S$196.20 (2 Years Free) |
Min. Transfer (KF) |
25,000 OCBC$ (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 | |||
The OCBC Rewards Card has a minimum income requirement of S$30,000 p.a. and offers a two-year waiver of its S$196.20 annual fee.
Cardholders can earn 4 mpd on selected online and offline shopping, capped at S$1,110 per calendar month (if you have the legacy Blue and Pink versions of the Titanium Rewards, each card has its own bonus cap).
| ๐ณ OCBC Rewards Bonus Whitelist | |
| MCC | Examples (non-exhaustive) |
| MCC 5309 Duty-Free Shops |
Lotte Duty Free, King Power Duty Free, The Shilla Duty Free |
| MCC 5311 Departmental Stores |
Takashimaya, TANGS, Isetan, OG, Metro, BHG, Marks & Spencer |
| MCC 5611 Menโs and Boysโ Clothing and Accessories Stores |
Benjamin Barker, Timberland, Edit Suits, Berluti |
| MCC 5621 Womenโs Ready to Wear Stores |
Zara, H&M, Mothercare |
| MCC 5631 Womenโs Accessory and Speciality Stores |
Tory Burch, Love Bonito, Pandora |
| MCC 5641 Childrenโs and Infantsโ Wear Stores |
Kiddy Palace, Mummys Market, Pupsik, Motherswork |
| MCC 5651 Family Clothing Stores |
Uniqlo, ASOS, Club 21, Burberry, Yoox |
| MCC 5655 Sports and Riding Apparel |
Nike, Lululemon, Adidas |
| MCC 5661 Shoe Stores |
Skechers, Charles & Keith, Bata, Foot Locker, Pazzion |
| MCC 5691 Menโs and Womenโs Clothing Stores |
Ezbuy, Zalora, Fartech |
| MCC 5699 Miscellaneous Apparel and Accessory Shops |
Qoo10, Cotton On, Reebonz |
| MCC 5941 Sporting Goods Stores |
Decathlon, Fila, New Balance |
| MCC 5948 Luggage or Leather Goods Stores |
Louis Vuitton, Coach, Rimowa |
| ๐ Specified Merchants | |
|
|
| ^Amazon and Mustafa Centre transactions under MCC 5411 are not eligible to earn any OCBC$ *Shopee Pay transactions under MCC 5262 are not eligible to earn any OCBC$ |
|
For a full review of this card, refer to the post below.
Conclusion
OCBC Rewards Cardholders will earn 6 mpd on Watsons and selected e-commerce platforms till 31 December 2025, capped at S$1,000 per calendar month.
Itโs just unfortunate that department stores are no longer included, since that closes the door earning 6 mpd on HeyMax vouchers- but at least you can continue to earn 4 mpd under the OCBC Rewards Cardโs year-round bonus categories.
I guess they want to close the loophole for HeyMax vouchers
HeyMax is getting more useless by the day. They dont seem to restock their vouchersโฆ.
Will Redmart transactions show up as Lazada?
did you get any clarification on this? Thanks!
โThe 6 mpd earn rate is capped at S$1,000 per calendar month; any spend above this will earn the usual 4 mpd up till S$1,110, then 0.4 mpd afterwards.โ
can clarify what does this mean? does this mean if i spend $2,000 in a single transaction on shopee, i earn the upsized 6mpd on the first $1,110, then 4mpd on the remaining $890?
Pasting this exact promt into ChatGPT would have given you the following answer:
Nope, not quite. Hereโs a breakdown of what that sentence means:
๐ณ Explanation of the miles earn structure:
6 mpd (miles per dollar) is the promotional rate.
This 6 mpd is capped at S$1,000 per calendar month of spending.
After that, you earn:
4 mpd on the next S$110
Then 0.4 mpd on all spend beyond S$1,110