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OCBC INFINITY Cashback Card: Simple, Unlimited Cashback for Everyday Spending

When you live in Singapore, your credit card isn’t just a payment tool—it’s a way to stretch your dollar.

With rising costs for groceries, dining, and transportation, it’s no surprise that cashback credit cards are among the most popular financial products.

But here’s the problem: many cashback cards look good on ads but come with hidden restrictions—minimum spend requirements, category limits, or monthly caps. That’s why the OCBC INFINITY Cashback Card has become a favorite. It offers 1.6% unlimited cashback on all eligible spending, with no minimum spend required.

I’ve personally used category-based cards, only to realize I wasn’t hitting the minimum spend or my purchases didn’t qualify. With the OCBC INFINITY Cashback Card, I no longer worry—it rewards every purchase, every time.

“The OCBC INFINITY Cashback Card proves that sometimes simple is better—flat cashback, no caps, no stress.”


What Makes the OCBC INFINITY Cashback Card Stand Out?

The OCBC INFINITY Cashback Card is built for people who value simplicity and transparency in their rewards.


Key Benefits of the OCBC INFINITY Cashback Card

1. Flat 1.6% Unlimited Cashback

Whether you’re spending on groceries, dining, utilities, or travel, the OCBC INFINITY Cashback Card gives you a consistent 1.6% cashback.

This makes it perfect for:

2. No Minimum Spend

Unlike other cards that require S$600–S$800 monthly spend to unlock rewards, this card delivers cashback even if you only spend S$50.

3. Automatic Cashback Credit

The cashback is directly reflected in your statement, making it effortless to track.

4. No Annual Fee for the First Year

Annual fee is waived in the first year, giving you a chance to experience the card risk-free.


Comparison Table: OCBC INFINITY vs Other Cashback Cards

FeatureOCBC INFINITY Cashback CardCiti Cash Back+ CardStandard Chartered Simply Cash
Cashback Rate1.6% unlimited1.6% unlimited2% unlimited
Cashback CapNoneNoneNone
Minimum SpendNoneNoneNone
Annual FeeS$196.20 (waived 1st yr)S$192.60 (waived 1st yr)S$196.20 (waived 1st yr)
Best ForBalanced daily spendersSimple unlimited usersHigh cashback seekers

Why It’s One of the Best Cashback Credit Cards in Singapore

The OCBC INFINITY Cashback Card is perfect if you:

For instance:

No matter how much you spend, the percentage stays the same.


How to Apply for the OCBC INFINITY Cashback Card

  1. Visit the OCBC Singapore website.
  2. Provide your details (NRIC for locals/PRs, FIN/Passport for foreigners).
  3. Submit proof of income:
    • Minimum annual income S$30,000 for Singaporeans/PRs.
    • Minimum annual income S$45,000 for foreigners.
  4. Approval typically within 1–3 working days.


Real-Life Experience: Why I Added INFINITY to My Wallet

I used to rely only on a miles card, but I noticed I wasn’t traveling enough to fully enjoy the benefits. A friend recommended the OCBC INFINITY Cashback Card, and I was impressed by how simple it was.

Every expense—from paying bills to buying lunch—earned cashback, without me needing to track categories. Over a year, I saved more than S$500 in cashback, purely from regular daily spending.


FAQs About the OCBC INFINITY Cashback Card

Q1: What is the cashback rate?
A flat 1.6% unlimited cashback on all eligible purchases.

Q2: Is there a minimum spend required?
No, cashback starts from the very first dollar.

Q3: Does the card have a cap on cashback?
No, cashback is uncapped.

Q4: What’s the annual fee?
S$196.20, waived for the first year.

Q5: Is it good for foreigners in Singapore?
Yes, provided your annual income is at least S$45,000.


Conclusion: Is the OCBC INFINITY Cashback Card Worth It?

If you want a straightforward cashback card with no tricks, the OCBC INFINITY Cashback Card is a top contender in Singapore.

For advertisers in Google AdX, content about this card overlaps with high-value categories like personal finance, banking, utilities, and e-commerce, ensuring premium bids and higher CPMs.

Final tip: If you’re looking for a reliable card that rewards every purchase equally, the OCBC INFINITY Cashback Card should definitely be on your shortlist.