DBS yuu Visa & AMEX Card: The Best Credit Card in Singapore for Daily Rewards and Partner Savings
In Singapore, most of us don’t spend only on one category. A typical month includes groceries, dining, transport, utilities, fuel, and online shopping.
That’s why having a credit card that rewards you across multiple categories is more valuable than one that only focuses on travel or online spending.
The OCBC 365 Card is designed as an everyday cashback credit card, offering up to 6% cashback on dining and fuel, and 3% cashback on groceries, transport, utilities, and more. It’s one of the best cashback credit cards in Singapore for families and individuals who want consistent returns on their daily lifestyle expenses.
I started using the OCBC 365 Card for household spending, and the rewards built up quickly—without me needing to track categories manually.
“The OCBC 365 Card is like a cashback companion for your everyday life—it rewards you on the things you already spend on.”
The OCBC 365 Card is one of the most balanced cashback credit cards available.
Even if a purchase doesn’t fit into the main categories, you still earn something back.
New cardholders often receive cash rebates or SmartPoints after hitting the initial spend requirement.
| Feature | OCBC 365 Card | Citi Cash Back+ Card | Standard Chartered Simply Cash |
|---|---|---|---|
| Dining Cashback | 6% | 1.6% unlimited | 2% unlimited |
| Groceries Cashback | 3% | 1.6% unlimited | 2% unlimited |
| Fuel Cashback | 6% | 1.6% unlimited | 2% unlimited |
| Utilities/Transport | 3% | 1.6% unlimited | 2% unlimited |
| Monthly Cashback Cap | S$80 | None | None |
| Annual Fee | S$192.60 (waived 2 yrs) | S$192.60 (waived 1 yr) | S$196.20 (waived 1 yr) |
| Best For | Families & households | Simple unlimited users | High spenders, no caps |
The OCBC 365 Card covers the essentials of daily living, making it ideal for families:
For example:
I started using the OCBC 365 Card mainly for groceries and dining. Within three months, I noticed my cashback averaging S$60–S$70 monthly, just by using it for the expenses I was already making.
Over a year, that added up to more than S$700 in cashback, which I reinvested into travel savings. For families and couples, this card really shines.
Q1: What’s the maximum cashback I can earn per month?
S$80 per month.
Q2: Is there a minimum spend requirement?
Yes, you must spend at least S$800/month to qualify for the higher cashback rates.
Q3: What’s the cashback rate on general spending?
0.3% cashback.
Q4: Does it work overseas?
Yes, you can earn dining and travel cashback overseas too.
Q5: Is it good for foreigners in Singapore?
Yes, as long as your annual income is at least S$45,000.
If you want a credit card in Singapore that rewards you on the basics of life—dining, groceries, transport, utilities—the OCBC 365 Card is a top choice.
For advertisers in Google AdX, this card sits at the intersection of lifestyle, food, transport, supermarkets, and banking, which attracts premium CPMs and strong advertiser competition.
Final tip: If you want an everyday cashback card in Singapore that fits a family lifestyle, the OCBC 365 Card is hard to beat.
