OCBC 365 Bonus MCC Categories
The OCBC 365 earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Dining — 6% cashback
Restaurants, cafes, and fast food — one of the highest dining cashback rates in Singapore.
2. Groceries — 3% cashback
Supermarket purchases earn 3% cashback.
3. Petrol — 5% cashback
Petrol station purchases earn 5% cashback.
Tips to Maximize OCBC 365 Rewards
- Maximize the 6% dining cashback — one of the best dining cards in Singapore
- Pair with a travel card for overseas spend (OCBC 365 only earns 0.3% overseas)
- Cashback is capped — check the monthly cap for each category
- Use for weekday lunches and dinner dates to maximize dining rewards
Frequently Asked Questions
What is the OCBC 365 cashback rate?
OCBC 365 earns 6% on dining, 5% on petrol, 3% on groceries, 3% on travel, 2% on online spend, and 1% on weekend groceries.
Is OCBC 365 better than UOB One?
OCBC 365 is better for dining (6% vs UOB One's lower rate). UOB One is better if you want simpler cashback across fewer categories. Choose based on your spending pattern.
Does OCBC 365 have a minimum spend?
Yes, you need to spend at least $800/month to earn bonus cashback. Cashback is also capped at specific amounts per category.
Last Updated: June 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.