Best OCBC & UOB Credit Card Deals Singapore (2026) — Cashback & Miles

OCBC vs UOB: Which Bank Wins in 2026?

OCBC and UOB have been in an absolute arms race with their credit card rewards this year, and honestly? We're the ones who benefit. They keep raising cashback rates, throwing bigger sign-up bonuses, and lowering the minimum spend to unlock the good stuff. If you haven't reviewed your card situation in the past 6 months, you're probably missing out on some genuinely good upgrades.

Whether you're a frequent traveller chasing Business Class upgrades on Singapore Airlines, a foodie who dines out three times a week, or a household manager trying to stretch every grocery dollar at FairPrice and Cold Storage, there is a card in the OCBC or UOB stable that is almost certainly the best fit for your lifestyle.

In this guide we compare the top cards from both banks head-to-head, break down the real earn rates in Singapore dollars, and tell you exactly how to stack deals so you don't leave a single cent on the table. Rates and bonuses are accurate as of June 2026.

Best OCBC Cashback Cards

OCBC has long positioned itself as the everyday-spend champion with straightforward cashback products that don't require complicated category tracking. Its 2026 lineup is headlined by three standout cards.

OCBC 365 Cash Rebate Card — Best All-Rounder

The OCBC 365 remains the gold standard for households that want solid returns across multiple categories without juggling multiple cards. The annual fee of S$192.60 (including GST) is waived for the first two years, and the card delivers:

• 6% cashback on dining, including food delivery via GrabFood and foodpanda
• 5% cashback on petrol at Esso and Caltex
• 3% cashback on groceries, telco bills, land transport, and streaming services
• 0.3% cashback on all other retail spend

The catch is a minimum spend of S$800 per month to unlock the higher tiers. Families spending S$1,500–S$2,500 per month across groceries, dining, and transport will find this threshold is easily hit. The monthly cashback cap stands at S$80, meaning the card pays for itself within a couple of months.

Pairing the OCBC 365 with an OCBC 360 savings account means your cashback is credited directly and counts toward the monthly salary-credit bonus — a neat ecosystem play that can earn you an extra 0.6% p.a. on your savings balance without any additional effort.

OCBC Titanium Rewards Card — Best for Online Shopping

If you shop online regularly — Shopee, Lazada, Zalora, Amazon SG — the OCBC Titanium Rewards Card offers 10X OCBC$ (equivalent to 4 miles per S$1) on all eligible online and contactless spend. In 2026 OCBC extended the 10X earn to include selected ride-hailing categories, making this one of the most versatile points cards in Singapore for light spenders who want travel rewards without a premium annual fee.

OCBC$ convert to KrisFlyer miles at 25,000 OCBC$ = 10,000 KrisFlyer miles. OCBC introduced a no-fee transfer window every quarter for cardholders who maintain an OCBC savings account. For light-to-medium spenders who aren't ready to commit to a premium miles card, this is an excellent entry point into the miles game.

OCBC Cashflo Credit Card — Best for Big-Ticket Purchases

Launching in Q1 2026, the OCBC Cashflo Card targets professionals and SME owners who regularly make large purchases. It offers 1.5% automatic cashback on all spend — no minimum, no categories, no caps up to S$10,000 per statement month — with balances automatically split into three-month interest-free instalments. This makes it ideal for anyone buying electronics at Challenger or Harvey Norman, paying a S$4,000 dental bill at a private clinic, or settling a renovation deposit.

Best UOB Miles & Rewards Cards

UOB has invested heavily in its KrisFlyer UOB co-brand partnership and its proprietary UNI$ points ecosystem. For serious miles chasers in 2026, UOB is arguably the most powerful issuer in Singapore, with earn rates and transfer partners that rival cards costing twice the annual fee.

KrisFlyer UOB Credit Card — Best for Singapore Airlines Loyalists

The KrisFlyer UOB Credit Card (annual fee S$192.60) earns KrisFlyer miles directly — no conversion needed, no transfer fees — at these rates in 2026:

• 3 KrisFlyer miles per S$1 on Singapore Airlines, Scoot, and KrisShop purchases
• 1.2 KrisFlyer miles per S$1 on dining, travel, and lifestyle spend
• 0.5 KrisFlyer miles per S$1 on all other retail spend

The card also comes with two complimentary KrisFlyer Elite Gold status fast-track qualification paths per year, priority check-in access at Changi Airport Terminal 3, and a S$30 airport transfer credit when you book via the KrisFlyer app. If you fly SIA even twice a year, the perks alone cover the annual fee before counting a single mile earned.

UOB PRVI Miles Card — Best Premium Miles Card

The UOB PRVI Miles (annual fee S$256.80) is designed for frequent travellers who want flexibility across airline programmes. UNI$ earned convert to KrisFlyer, Asia Miles, and Qantas Frequent Flyer, among others. The earn rates are:

• 1.4 miles per S$1 on local spend
• 2.4 miles per S$1 on overseas spend and foreign-currency online transactions
• 6 miles per S$1 on air tickets, hotel bookings, and travel packages charged directly to the card

In 2026 UOB extended the 2.4 miles overseas rate to all online transactions billed in foreign currency — a game-changer for Singapore shoppers who frequently buy from US or UK stores. The annual fee includes a complimentary Priority Pass membership with two lounge visits per year and S$100 travel insurance coverage for flight delays over three hours.

UOB One Card — Best Pure Cashback Card

For those who prefer cash over miles, the UOB One Card offers up to 10% cashback when you meet quarterly spend tiers and hold a UOB One Account. Here's how it breaks down:

• Spend S$500/month: earn 3.33% cashback (S$50 quarterly rebate)
• Spend S$1,000/month: earn 5% cashback (S$150 quarterly rebate)
• Spend S$2,000/month: earn up to 10% cashback at selected merchants (S$300 quarterly rebate, capped at S$100 per month)

The 10% rate applies at McDonald's, Shopee, 7-Eleven, and selected petrol stations including SPC and Shell. While the quarterly reset structure can feel restrictive, disciplined spenders who consistently hit S$2,000 monthly will find few cards in Singapore that beat this return on everyday purchases.

Best Cards for Dining & Entertainment

Singapore's dining scene is one of the most competitive in Asia, and both OCBC and UOB have built dedicated dining privilege programmes to attract food lovers. Between them, the two banks cover more than 1,800 dining and entertainment outlets islandwide.

OCBC Dining Privileges

OCBC cardholders enjoy exclusive deals at over 800 restaurants across Singapore. Highlights for mid-2026 include:

• 1-for-1 main courses at Crystal Jade, Din Tai Fung, and Paradise Group restaurants (valid Monday–Thursday with the OCBC 365 or Titanium card, minimum two diners)
• 15% off total bill at Les Amis Group restaurants including Labyrinth, Peperoni Pizzeria, and Brasserie Astoria
• Complimentary dessert or coffee at Antoinette, Cedele, and The Coffee Bean & Tea Leaf with a minimum S$30 spend
• 20% off set menus at selected Resorts World Sentosa restaurants including Osia Steak and Seafood Grill and Ocean Restaurant

OCBC also runs a dedicated app — OCBC Deals — where new dining offers are published every Monday. Power users report saving S$80–S$150 per month purely on dining by combining the 6% cashback rate with these merchant promotions.

UOB Dining Privileges

UOB's dining privileges sit inside the broader UOB Dining Rewards programme, which in 2026 covers more than 1,000 outlets islandwide. Standout deals for UOB cardholders include:

• 50% off the second diner at all Jumbo Seafood, Jumbo Signatures, and Chui Huay Lim Teochew Cuisine restaurants
• S$10 off every S$80 spent at Imperial Treasure restaurants, applicable to the UOB Visa Signature and PRVI Miles cards
• Complimentary bottle of house wine at Bistecca Tuscan Steakhouse, Wolfgang's Steakhouse, and Morton's The Steakhouse with a minimum spend of S$200
• 15% off food bills at all Swensen's and Earle Swensen's outlets, including the popular dessert and ice-cream combos

Entertainment deals are equally compelling. UOB cardholders enjoy S$1 movie tickets on Tuesdays at all Golden Village cinemas (limit two tickets per transaction), and 20% off selected ticketed events at the Singapore Indoor Stadium and Esplanade through the UOB TMRW app.

Best for Online Shopping & Groceries

With the average Singapore household now spending more than 35% of its monthly outgoings online, card rewards for e-commerce and grocery spend have never mattered more. Choosing the right card for your digital shopping habits can realistically save S$400–S$800 per year.

Groceries: OCBC 365 vs UOB One

For FairPrice shoppers, both cards deliver strong returns. The OCBC 365 offers a consistent 3% cashback on FairPrice Finest, FairPrice Xtra, and Cheers with no minimum per transaction. The UOB One delivers up to 10% at FairPrice Group if you hit the S$2,000 quarterly spend — but the quarterly reset means one missed month can sharply reduce your rebate tier.

Cold Storage and Giant shoppers should note that both chains fall under the DFI Retail umbrella and qualify for cashback under the OCBC 365 grocery category. A family spending S$600 per month on groceries earns S$18 cashback monthly — S$216 per year — from this one category alone.

For premium grocers like Jason's Deli Marketplace at Robertson Quay and Market Place by Jasons at Wheelock Place, transactions are classified as supermarkets by Visa, so the OCBC 365 grocery rate applies there too — a detail many cardholders overlook.

Online Shopping: Shopee, Lazada, Zalora

During Shopee's mega sales — 6.6, 9.9, 11.11, and 12.12 — stacking a bank promotion with Shopee coins and platform vouchers produces some of the highest effective discounts in Singapore retail. Timing your spend correctly can mean 40–50% savings on electronics, home appliances, and fashion.

For Shopee specifically, the UOB One Card's 10% cashback at Shopee (when you qualify for the top spend tier) is hard to beat in pure cash terms. However, OCBC's 10X Titanium Rewards points on Shopee transactions deliver 4 miles per S$1 — superior for travellers who'd rather bank miles toward a redemption than take the cashback.

For Lazada, check the monthly bank-specific offer portals: OCBC regularly runs S$15–S$20 off minimum S$60 spend vouchers that stack with Lazada's Flash Deals, delivering 30–35% off before counting your baseline cashback rate.

Travel Experiences: Klook + Credit Card Deals

Planning a staycation or a day trip to Sentosa, the Singapore Zoo, or Gardens by the Bay? Booking your tickets via Klook Singapore and paying with your OCBC or UOB card often unlocks an additional 5–8% off on top of Klook's already-discounted admission prices. In 2026 Klook runs bank-specific cashback boosts during school holiday periods — particularly the June and November school holidays — where combined savings can exceed 20% on popular attraction tickets.

How to Maximise Your Rewards

Having the right card is only half the battle. Here are seven Singapore-specific tactics that experienced cardholders use to extract maximum value from their OCBC and UOB portfolios in 2026.

1. Stack Bank Deals with Merchant Promotions

Never use your card without first checking the issuer's deal portal. OCBC Deals (app and web) and UOB TMRW both list time-sensitive merchant promos that can add an extra S$5–S$30 off purchases you'd be making anyway. Layer on additional cashback through ShopBack for an extra 1–10% back on top of your card rewards. This stacks on top of your baseline cashback earn rate, and the combined saving is often 15–25% on a single transaction.

2. Consolidate Spend Before Statement Date

For the UOB One Card, your monthly spend within a calendar month must hit the qualifying threshold. Time large purchases — insurance premiums, quarterly mobile phone bills, annual streaming subscriptions — to fall within the same calendar month to reliably hit your tier. Missing the threshold by even one month drops you to a lower rebate tier for the entire quarter.

3. Use SingPass MyInfo for Instant Approval

Both OCBC and UOB offer instant card approval via SingPass MyInfo for Singapore citizens and PRs. You can apply on a Thursday morning and have the card number available for online use within hours — ideal if a major Shopee sale or merchant promo starts that weekend and you want to earn the sign-up bonus.

4. Pair with a High-Interest Savings Account

Both banks reward you for keeping money in their ecosystems. OCBC's 360 Account pays up to 7.65% p.a. on balances up to S$100,000 when you salary-credit, invest, insure, and increase your balance — plus maintain card spend. UOB's One Account similarly rewards cardholders who credit salary and maintain qualifying card spend, paying up to 7.8% p.a. on the first S$150,000.

At these rates, the difference between idle cash in a standard savings account versus optimising your OCBC or UOB account can easily exceed S$3,000 per year on a S$50,000 balance — dwarfing the annual credit card fee many times over.

5. Sign-Up Bonuses Are Free Money — Act Quickly

In the first half of 2026, both banks ran aggressive acquisition campaigns. OCBC offered 30,000 OCBC$ (equivalent to 12,000 KrisFlyer miles or approximately S$120 cashback) to new cardholders who spend S$1,000 in the first three months. UOB offered S$350 cashback or 35,000 KrisFlyer miles on the PRVI Miles for the same threshold. These bonuses reset every eight to twelve weeks, so if you missed one campaign it's worth waiting for the next cycle rather than applying mid-promotion.

6. Annual Fee Waivers: Ask and You Shall Receive

Singapore cardholders are among the most successful in the world at waiving annual fees. OCBC and UOB both waive fees automatically for customers with average monthly spend above S$400 — but even below that threshold, a polite call before the fee posts will often result in a waiver or a retention offer such as bonus miles or a cashback credit in exchange for keeping the card active.

7. Bookmark WhyNotDeals for Real-Time Updates

WhyNotDeals scans hundreds of Singapore merchants daily — bookmark us and never miss a deal. We track when OCBC and UOB launch new portal offers, publish exclusive promo codes before they expire, and alert readers when major Shopee and Lazada stack events align with bank cashback windows. Our deal alerts have helped readers save an average of S$600 per year simply by knowing about promotions a few days ahead of the crowd.