The OCBC Titanium Rewards Card may not be quite as versatile as the Citi Rewards Card or DBS Woman’s World Card, but still has an important part to play in my overall card strategy. With an annual 4 mpd cap of S$13,335, it serves as a great solution for big ticket purchases, and you can double your cap by applying for both the Blue and Pink variants.
If you don’t have an OCBC Titanium Rewards Card yet, OCBC is running an excellent sign-up offer from now till 31 March 2023. New and existing customers can earn 28,800 and 14,400 bonus OCBC$ respectively, with a minimum spend of just S$100.
OCBC Titanium Rewards sign-up bonus
 |
| Apply Here |
From 16 January to 31 March 2023, customers who are approved for a new OCBC Titanium Rewards Card (Blue or Pink) will be eligible for up to 28,800 bonus OCBC$.
| New customers | Existing customers | |
| Sign-up bonus | 28,800 OCBC$ (11,520 miles) | 14,400 OCBC$ (5,760 miles) |
| ❓ Definitions | ||
| New customers are defined as those who do not hold an existing OCBC principal credit card, and have not cancelled one in the past 6 months. | ||
A minimum spend of S$100 within the first 30 days of card approval is required. The gift can be clawed back if the OCBC Titanium Rewards Card is closed within six months from the end of the promotion period.
For avoidance of doubt, you will only qualify for the sign-up bonus once, even if you apply for both the Blue and Pink variants
- A new customer who applies for both the Blue and Pink OCBC Titanium Rewards Cards will receive 28,800 OCBC$
- An existing customer who applies for both the Blue and Pink OCBC Titanium Rewards Cards will receive 14,400 OCBC$
Existing OCBC Titanium Rewards Cardholders are ineligible for this promotion.
Is this worth it?
Definitely.
For a mere S$100 spend, you’ll be taking home 5,760 or 11,520 miles. That’s a simply unbeatable spend to miles ratio (115 mpd!), and even if you chose to convert those OCBC$ to cash credit (please don’t), you’re still talking about a S$40 or S$80 rebate.
Don’t forget that OCBC$ will soon be convertible to nine different airline and hotel programmes, so you’ll be able to trade them for some hotel points or “exotic” miles. A standard S$25 fee applies.
| Frequent Flyer Programme | Conversion Ratio (OCBC$: Partner) |
 | 25,000: 10,000 |
 | TBD |
 | TBD |
 | TBD |
 | TBD |
 | TBD |
 | TBD |
 | TBD |
 | TBD |
The OCBC Titanium Rewards Card’s annual fee is waived for the first two years. You can get an annual fee waiver from the third year onwards with a minimum spend of S$10,000, but in my experience, you don’t need to spend anywhere near that amount to get it.
When will bonus points be credited?
Your bonus OCBC$ will be credited according to the following timeline.
| Card Approval | Credited By |
| 16-31 January 2023 | April 2023 |
| 1-28 Feburary 2023 | May 2023 |
| 1-31 March 2023 | June 2023 |
What spending is eligible?
Cardholders must make a minimum qualifying spend of S$100 within 30 days of card approval.
Qualifying spend refers to any retail transaction, whether face to face or online, but excludes OCBC’s standard exclusions list. This includes:
- Charitable donations
- Education expenses
- Government payments
- GrabPay top-ups
- Hospitals
- Insurance premiums
- Real estate agents
- Utilities bills
For the full list of exclusions, refer to the OCBC Titanium Rewards T&Cs, at point 3 (i).
Terms & Conditions
The Terms & Conditions for this OCBC Titanium Rewards Card sign-up bonus can be found here.
Overview: OCBC Titanium Rewards Card
 Apply Here | |||
| Income Req. | S$30,000 p.a. | Points Validity | 2 years |
| Annual Fee | S$192.60 (2 Years Free) | Min. Transfer | 25,000 OCBC$ (10,000 miles) |
| Miles with Annual Fee | None | Transfer Partners |
|
| FCY Fee | 3.25% | Transfer Fee | S$25 |
| Local Earn | 0.4 mpd | Points Pool? | Yes |
| FCY Earn | 0.4 mpd | Lounge Access? | No |
| Special Earn | 4 mpd on online and offline shopping | Airport Limo? | No |
| Cardholder Terms and Conditions | |||
OCBC Titanium Rewards Card members earn 50 OCBC$ for every S$5 spent on online and offline shopping, whether in local or FCY spend. This is an effective earn rate of 4 mpd, capped at S$13,335 per membership year.
OCBC defines shopping as purchases made at any merchant with the following MCCs:
| MCC | Examples (non-exhaustive) |
| MCC 5311 Departmental Stores | Takashimaya, TANGS, Isetan, OG, Metro, BHG, Marks & Spencer |
| MCC 5611 Men’s and Boys’ Clothing and Accessories Stores | Benjamin Barker, Timberland, Edit Suits, Berluti |
| MCC 5621 Women’s Ready to Wear Stores | Zara, H&M, Mothercare |
| MCC 5631 Women’s Accessory and Speciality Stores | Tory Burch, Love Bonito, Pandora |
| MCC 5641 Children’s and Infants’ Wear Stores | Kiddy Palace, Mummys Market, Pupsik, Motherswork |
| MCC 5651 Family Clothing Stores | Uniqlo, ASOS, Club 21, Burberry, Yoox |
| MCC 5661 Shoe Stores | Skechers, Charles & Keith, Bata, Foot Locker, Pazzion |
| MCC 5691 Men’s and Women’s Clothing Stores | Ezbuy, Zalora, Fartech |
| MCC 5045 Computers, Peripherals, and Software | Apple, Aftershock, Prism Plus, Dell |
| MCC 5732 Electronics Stores | Best Denki, Harvey Norman, Gain City |
| MCC 5699 Miscellaneous Apparel and Accessory Shops | Qoo10, Cotton On, Reebonz |
In addition to this, transactions at the following websites are also eligible for 4 mpd:
- Alibaba
- AliExpress
- Amazon (discontinued from 1 March 2023 if MCC codes as 5411 [supermarkets])
- Courts
- Daigou
- Ezbuy
- IKEA
- Lazada
- Mustafa Centre (discontinued from 1 March 2023 if MCC codes as 5411 [supermarkets])
- Qoo10
- Shopee
- Taobao
The main drawbacks are the S$5 earning blocks, as well as the lack of transfer partners (which will no longer be an issue from February).
For a full review of the OCBC Titanium Rewards Card, refer to the article below.
Conclusion
OCBC is offering a very generous sign-up bonus for the OCBC Titanium Rewards Card that’s available to both new and existing customers. With a minimum spend that’s almost token, there’s no reason why you shouldn’t take this opportunity to hop onboard.
Remember that your approval must come in by 31 March 2023, so don’t leave it till the last minute to apply.
If I have a blue titanium, am I eligible as an existing customer if I apply for the pink titanium?
Same situation, am wondering
Checked with ocbc: no
Thanks Aaron for checking – so it’s 0 bonus points if I already have the blue titanium and apply for the pink titanium now. Interestingly the T&Cs don’t contain any definition of “existing OCBC cardholder” which seems to suggest that anyone who isn’t a “New OCBC cardholder” would get the bonus for existing cardholders.
Yeah that was my thinking too, so I was surprised when they told me that
If i cancel my OCBC TR Blue now and reapply Pink version next month or on March. Will i be considered as existing when apply (hold also OCBC 365) ?
Yes, since you’ve cancelled within the last 6 months
LOL I just signed up for the pink one 2 weeks ago!
Ahhh the irony
the application page doesn’t work… when you click apply then select the card nothing happens!
it worked for me just few mins back, approval was instant
turn off ad blocker
Is Amazon Fresh eligible for 4mpd?
Hi, Silly me but for clarity, From Mar 1 supermarket spend is ineligible?
Currently all Amazon trxns count for bonus. From 1 March they will exclude fresh.
Thanks for the clarification
@Aaron Wong
I’m a bit confused by these points:
Do I need to apply for both Blue AND Pink cards to get the new sign-up bonus (28,800 OCBC$ /11,520 miles)?
Or do I just need to apply for one (Blue OR Pink) to get the new sign-up bonus?
Thanks!
Same here – was wondering if i need to apply for BOTH the blue and pink or just 1 of either is fine?
Just one.
Poor ad placement in the middle of the paragraph. You’ve got to read the start of the sentence above the ad “For avoidance of doubt, you will only qualify for the sign-up bonus once, even if you apply for both the Blue and Pink variants”
ast is right. sorry about the weird ad placement!
I just called up OCBC and was told that there is an annual cumulative earn cap of OCBC$120,000 for titanium cards. This would mean that the max spend is way lower than SGD 26k.
https://milelion.com/2022/06/10/psa-the-ocbc-titanium-rewards-4-mpd-cap-is-not-what-you-think/
Would anyone know, if spends on Bath & Body is included? Thanks
Hi, I cancelled my OCBC TR card back in Nov 22 (2 months ago). Am I eligible for this promotion as an existing customer? Asking as the t&C state Applicants who had cancelled existing OCBC Credit Card facilities within the last six (6) months are not eligible to participate in the Promotion.
Thank you for sharing this! Your site is a godsend for miles beginners like me
Sorry if this has been answered already but could I confirm if purchases at Cold Storage/NTUC count towards eligible spend?
Hi, will this card work with Amazecard?
yes i would like to know as well. the last write up on the duo seems to b awhile ago
is grabfood spending considered fulfilling the $100 spend criteria?
Would I still earn 4MPD on luxury spending on Europe(eg: Chanel, LV, Dior)?
So I applied for both cards. There is no option in the app or website for authorising overseas usage, so I tried using one overseas with Amaze anyway. The transaction failed and the app showed the card was locked. I contacted OCBC (worst banking hotline in Singapore, never answers before 30 mins, and sometimes it just times out after 30 mins) and was assured the card would be unlocked within half an hour. Didn’t happen after several days. 5 calls (x 30 mins) later, I was told the card cannot be unlocked but has to be cancelled and replaced! Then… Read more »
Anyone got the bonus reward points credited yet? I applied in Jan, now is April, still no bonus miles
it’s in, probably in the last couple of days. i also applied in jan and fulfilled the requirement by feb.
yeah, i also applied in Jan, fulfilled the requirement by Feb. Its now May & I have yet to see the bonus miles in. Anyone else received it yet?