Singapore · cashback only
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Not a second card comparison. The share link stays the same.
Plan OCBC 365 category cashback
Optional monthly estimate, outside the generic ranking. Use eligible transactions posted in the same calendar month. Do not include excluded payments or count a purchase twice.
Category amounts are parts of this total. The remainder earns base cashback. Dining excludes hotel banquets and, before November, ordinary fast-food purchases. Check merchant codes in the terms. Watsons marketplace purchases do not qualify for the Watsons category. Recurring SG telco / electricity means eligible automatic monthly card charges.
Separate advertising estimate
Eligible issuer-listed advertising platforms only. No minimum or cap for this estimate. These amounts stay outside the monthly total, lifestyle estimate and ranking; they do not help meet this planner’s minimum. Mobile-wallet payments do not qualify. Enter only an instalment posted this month.
Estimate only: excludes annual fees, signup rewards, gifts, FX fees, interest and fuel discounts. Refunds, exclusions and posting delays can change eligibility. Planner inputs are not saved or included in share links. Future months use published scheduled terms.
Full ranking
Method
How scoring works
- Estimates cash from published flat / intro rates on your one-off + monthly spend.
- Adds signup cash only if the promo is active, spend clears the hurdle, and known issuer eligibility permits it.
- Boosts high fuss-free scores; penalises min-spend category cards unless optimizer mode is on.
- Excludes declared new-to-issuer value when your selected wallet or current/recent issuer history includes that bank; other overlaps retain a soft penalty.
- Unlisted and cancelled principal cards can be marked by issuer so the 6/12-month lookback is decided in the tool.
- Does not model FX fees, 0% instalments, or insurance perks.
- The optional month-by-month view splits base cashback, intro effects, signup cash, quarterly awards, and fees. Those lines add up to the ranked net. Non-cash gifts stay outside that total.
- Named scenarios stay in this browser. Comparing two of them explains rank changes and leaves the active share link on the scenario in the form.
Rates researched as of —. Review by —. Built for the Singapore market by Alphaeus Ng after writing a personal honeymoon cashback brief. Default bias: simple flat cashback over category maxxing.
Disclaimer
Not affiliated with any bank. Always read issuer T&Cs. Educational tool only — not financial advice.