OCBC Infinity Card Overview:
The OCBC Infinity Card is a cashback credit card offering a straightforward 1.6% cashback on all your spending, everywhere you shop. There’s no need to worry about minimum spending requirements or caps on cashback earned. This is a fuss-free credit card is perfect both for low spender and those who are planning to have a big purchase.
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Requirements (tap to expand)
- You qualify if: you have no OCBC credit card right now
- Spend min. S$400 within 30 days of card approval
- SingSaver will email you a Rewards Redemption Form — check inbox (and spam folder) after applying. Fill it in within 14 days to claim your gift, or you'll lose it.
Why pick this card
Flat 1.6% unlimited cashback. Stacks with OCBC 360 Account.
Eligibility & Fees:
- Minimum Age: 21 years old
- Minimum Annual Income: S$30,000 (locals/PRs); S$45,000 (foreigners)
- Annual Fee: S$196.20 (first year waived)
Key Benefits:
- Get 1.6% cashback on all of your purchases, whether they are transacted local, online, in stores, and overseas.
- No minimum monthly spending required
- No maximum spending cap
How to Best Optimise it:
Best used to Double-Dip on Cashback + Interest Earned
- This card can earn 1.6% cashback on anything except those on the exclusion list. But that’s not all, this is one of the cards where your spending can count into the fulfilment of the “Spend” criteria on OCBC 360 account. See “Any Hacks/Promos” below. The other cashback card alternative would be OCBC 365, that comes with higher cashback but also a minimum spend required of S$800.
- OCBC Infinity is an easy card to use for those who don’t want to stress out over hitting the minimum spend
Any Hacks/Promos:
- Pair with OCBC 360 Account to earn annualized ROI of 4.75% (Interest on Savings + Cashback)
- Spending on items in the exclusion list (e.g. insurance payments) with the OCBC Infinity still count towards the “Spend” criteria to unlock higher interest on OCBC 360 account.
What to Avoid:
Exclusion List:
- All card fees and charges, card annual fees, membership fees, renewal fees, Balance Transfer and charges incurred for any Balance Transfer facility, Cash-on Instalment facility and charges incurred for any Cash-on-Instalment facility, Instalment Payment Plan, Extended Payment Plan, Income Tax payment, interest, late payment charges, Goods and Services tax, Cash Advances, bill payments made via Internet Banking, and other fees and charges.
- Funds to prepaid accounts and merchants who are categorised as “payment service providers”, which include (without limitation) EZ-Link, NETS FlashPay, eNETS, SAM, Transit Link, AXS, GrabPay, Youtrip, Shopee Pay and Singtel Dash. The exclusions are not exhaustive and may be subject to changes from time to time.
- any transactions under these MCCs:
MCC | Description |
4784 | Tolls and Bridge Fees |
4829 | Wire Transfer Money Orders (WTMOs) |
4900 | Utilities–Electric, Gas, Heating Oil, Sanitary, Water |
5047 | Medical, Dental, Ophthalmic and Hospital Equipment and Supplies |
5199 | Nondurable Goods (Not Elsewhere Classified) |
5960 | Direct Marketing Insurance Services |
5993 | Cigars, Stores and Stands |
6010 | Member Financial Institution–Manual Cash Disbursements |
6012 | Member Financial Institution–Merchandise and Services |
6051 | Quasi Cash–Merchant (Non-Financial Institutions – Foreign Currency, NonFiat Currency, Cryptocurrency) |
6211 | Securities–Brokers and Dealers |
6300 | Insurance Sales, Underwriting and Premiums |
6513 | Real Estate Agents and Managers–Rentals |
6540 | Non-Financial Institutions – Stored Value Card Purchase/Load |
7349 | Cleaning, Maintenance and Janitorial Services |
7523 | Automobile Parking Lots and Garages |
7995 | Gambling – Betting, including Lottery Tickets, Casino Gaming Chips, OffTrack Betting, and Wagers at Race Tracks |
8062 | Hospitals |
8211 | Schools, Elementary and Secondary |
8220 | Colleges, Universities, Professional Schools and Junior Colleges |
8241 | Schools, Correspondence |
8244 | Schools, Business and Secretarial |
8249 | Schools, Trade and Vocational |
8299 | Schools and Educational Services–Not Elsewhere Classified |
8398 | Organizations, Charitable and Social Service |
8651 | Organizations, Political |
8661 | Organizations, Religious |
8675 | Automobile Associations |
8699 | Organizations, Membership–Not Elsewhere Classified (Labor Union) |
9211 | Court Costs Including Alimony and Child Support |
9222 | Fines |
9223 | Bail and Bond Payments |
9311 | Tax Payments |
9399 | Government Services–Not Elsewhere Classified |
9402 | Postal Services–Government Only |
9405 | Intra-Government Purchases–Government Only |
Is it Worth it:
Advantages:
- Great for those who just want one card for all payments
- No minimum spend and spending cap
- No extra redemption process needed to redeem cashback
- Able to pair with OCBC 360 account to clock S$500 monthly spending to earn extra interest
Disadvantages:
- Relatively low cashback rate as this is a general spending card
Frequently Asked Questions:
When will I receive my Cashback: Cashback will be automatically credited to your OCBC Infinity card account by the end of the following calendar month. Cashback will be automatically offset against that month’s billed amount.
Final Thoughts:
If you prefer simplicity and a guaranteed cashback rate on all of your purchases while earning higher interest on your savings, the OCBC Infinity Card is a solid choice. On the other hand, cards with greater cashback rates or extra benefits may offer better deals if you value maximizing your rewards.
💳 Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
💡 We believe in always paying our credit card bills on time and in full. It is only by doing that, can we fully maximise our credit card benefits.
