OCBC Infinity Review (2026)
OCBC Infinity is an incredibly simple card that can be described with just one sentence: 1.6% cashback except commonly excluded categories, and it works with OCBC 360 Account’s spend requirement.
That pretty much sums up the card, but for sign-up promo and a deeper look at things like its competition and how it interacts with OCBC 360, read on to find out more.
Card details
As the card name suggests, OCBC Infinity gives an unlimited amount of cashback, and there is also no minimum spend to worry about. It’s meant to be a simple, fuss-free credit card, and its lack of conditions and low earn rate reflect that.
The card is still subject to a list of exclusions commonly seen in other credit cards. As expected, things like e-wallet top ups and insurance are excluded. Of late, education and school-related expenses have also become a common exclusion of many credit cards, and this is also the case for OCBC Infinity.
Works with OCBC 360 Account’s Spend bonus
Perhaps one of the strongest things going for the OCBC Infinity is that it works as one of the eligible cards to qualify for OCBC 360 Account’s Spend requirement.
For those using an OCBC 360 Account, having extra 0.25% p.a. can make spend on an OCBC credit card more attractive:
| Monthly Average Balance | Approximate Bonus Interest (0.25% p.a.) | “Cashback” Rate on $500 of spend |
|---|---|---|
| S$100,000 | S$20.83 | 4.17% |
| S$75,000 | S$15.63 | 3.13% |
| S$50,000 | S$10.42 | 2.08% |
When you have a sizeable amount in your OCBC 360 Account and have a choice to make between putting S$500 of spend on an eligible OCBC card or some other credit card, the extra interest from achieving the Spend category can tip the scales quite heavily in OCBC’s favour.
Even using it with CardUp or ipaymy makes sense — sure, your 1.6% cashback may not overcome the service fee in full, but you get your OCBC 360 interest and can reserve your retail spend for your high cashback and/or miles cards.
Compared against other cards that work with OCBC 360
The question is then whether OCBC Infinity is the card to pick amongst the bunch of eligible OCBC credit cards. If you don’t want miles, the almost equally fuss-free OCBC 90°N is probably out of the picture (and if you do want miles, I’m not sure why you are this deep in a 1.6% cashback card review).
That leaves one of the other cards which are harder to use, even if they come with higher earn rates, and I guess that’s why people might consider the OCBC Infinity after all.
| Cashback | Miles | |
|---|---|---|
| Low Effort, Low Rewards | OCBC Infinity 1.6% cashback | OCBC 90°N (Visa / MC) 1.3 miles per dollar |
| More Effort, More Rewards | OCBC 365 3 to 6% cashback on selected categories (with min. spend) | OCBC Rewards 4 miles per dollar on selected categories 6 miles per dollar spend on Watsons, Shopee, Lazada, TikTok Shop and Taobao until 31st March 2027 |
Personally, I use OCBC 90°N for my OCBC 360 spend (via CardUp or ipaymy) because I want to put retail spend on other high-earn cards outside of OCBC. If you are not into miles, the OCBC Infinity would be the cashback equivalent of what I’m doing.
Pros
- Works with OCBC 360’s spend category for bonus 0.25% p.a.
- Simple and fuss-free
- Get cashback and (OCBC 360 interest) with CardUp and ipaymy
Cons
- As expected from a fuss-free card, earn rate is low
Verdict
If you are an OCBC 360 accountholder and want a cashback card to fulfil the interest category, this is the only choice aside from OCBC 365. 1.6% cashback isn’t exciting, but it is more or less in line with other cards of this nature.
Getting bonus interest from OCBC 360 account can make the card a lot more attractive to use, but only if you have ruled out other cards like OCBC Rewards, OCBC 90°N, or OCBC 365. Those cards do require a little bit more time and effort to use, so if you just want something to quickly score the sign-up reward, OCBC Infinity might be your best bet.
Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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Hi Seth, can we pair the OCBC Infinity with CardUp or ipaymy to earn the 1.6% cashback?
Yup should be possible
Hi! Would the OCBC infinity work with Amaze for overseas spend? The T&Cs don’t seem to mention Amaze.
Yeah it should work