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● I don’t know about you, but when I first started working, the was in the market. And with the opening of this account, you are usually introduced to the OCBC 365 credit card, which is said to be a versatile card that can be used across multiple categories. The OCBC 365 Credit Card stands out in Singapore’s competitive credit card landscape by offering substantial cashback rewards on various everyday expenses. This card promises to reward you generously, whether you’re dining out, fueling up your vehicle, or paying your utility bills. But is that true? Let’s check it out! The OCBC 365 Credit Card is designed to reward everyday spending across multiple categories: While it boasts high cashback rates, especially on dining and fuel, it comes with cashback caps and specific exclusions. The biggest caveat is that you must spend a minimum of to unlock higher cashback rates. Otherwise, you will receive the . Plus, the amount of cashback you can get is capped at , with specific category caps: That said, OCBC has increased its cashback cap to for those who meet the . The OCBC 365 Credit Card complements the OCBC 360 Account in several ways. That said, you can check out our full review of in Singapore for more information. If we’re looking purely from a S$500 spend per month standpoint, the UOB One card will be a potential competitor in the cashback card field as it offers up to , but it requires consistent monthly spending to qualify. Unlike the UOB One Card where the cashback is tiered based on the minimum spending of S$500, S$1,000, or $2,000 per month, the OCBC 365 cashback is straightforward. The cashback earned on the transactions performed in the current month will be credited to your OCBC 365 card statement in the next month. The UOB One’s base 3.33% cashback is , depending on your minimum spend of  , respectively. Any additional bonus cashback earned is credited to the top of this base amount. Categorically, there is no cap. In contrast, OCBC 365 offers broader category coverage but with capped cashback earnings. So, choose UOB One if you consistently meet the spend tiers for higher cashback rates; otherwise, OCBC 365 provides more flexibility across different spending categories. The OCBC 365 Credit Card excels at covering everyday expenses, making it ideal for families and individuals with diverse spending patterns. However, if you have specific spending priorities such as dining or groceries, other cards like Citi Cash Back or UOB One might offer higher cashback rates in those categories.