OCBC has extended its targeted 6 miles per dollar (mpd) promotion for the OCBC Rewards Card until 31 March 2027. According to official bank documentation, the offer covers Watsons and four major e-commerce platforms—Shopee, Lazada, TikTok Shop, and Taobao—with a bonus earn rate capped at S$1,000 in spending per calendar month.
How the 6 mpd promotion works
The current promotion, which began on 1 July 2025, was originally slated to expire in mid-2026. OCBC has confirmed the extension of this benefit for an additional nine months. Under the terms of the offer, cardholders earn a total of 6 mpd on eligible transactions, provided the monthly spend does not exceed the S$1,000 threshold.
The earn structure breaks down as follows:
- Base earn: 0.4 mpd (5 OCBC$ per S$5).
- Regular bonus: 3.6 mpd (45 OCBC$ per S$5), an evergreen feature of the card.
- Special bonus: 2 mpd (25 OCBC$ per S$5) for the promotional merchants.
Spending between S$1,000 and S$1,110 continues to earn at the 4 mpd rate. Any expenditure beyond S$1,110 reverts to the base rate of 0.4 mpd. OCBC notes that bonus points for the special 2 mpd tier are credited by the end of the calendar month following the transaction posting date.
Merchant eligibility and exclusions
Unlike many other rewards structures that rely strictly on Merchant Category Codes (MCC), this promotion is tied to specific merchant names. This provides a safety net for shoppers, as e-commerce platforms often categorize transactions under varying MCCs. However, this also means that using third-party payment services like Amaze will disqualify a transaction from the bonus, as the merchant name is altered during processing.
Key exclusions identified by OCBC include:
- Grocery purchases made under MCC 5411 on Shopee and Lazada.
- Shopee Pay transactions processed under MCC 5262 or MCC 56540.
Future trends in credit card rewards
The extension of this promotion highlights a shift toward “white-listing” specific high-traffic digital merchants rather than broad category spending. By focusing on platforms like TikTok Shop and Taobao, OCBC is aligning its rewards strategy with the growth of social commerce and regional e-commerce giants. While some users may prefer the inclusion of department stores for broader utility, the current focus on daily-use platforms suggests a trend toward incentivizing recurring, small-ticket digital transactions.
Frequently Asked Questions
Do I need to register for the 6 mpd promotion?
No registration is required. The bonus is automatically applied to all eligible cardholders for qualifying transactions at the specified merchants.
What happens if I spend more than S$1,000 in a month?
You will earn 6 mpd on the first S$1,000. Spending between S$1,000 and S$1,110 earns 4 mpd, and any amount above S$1,110 earns the base rate of 0.4 mpd.
Are supplementary cardholders eligible for their own bonus cap?
No. While supplementary cardholder spending counts toward the total, it is aggregated with the principal cardholder’s spend and falls under the same S$1,000 monthly bonus cap.
Can I earn the bonus using Amaze?
No. Transactions made via Amaze change the merchant name, which prevents the OCBC system from identifying the transaction as an eligible merchant under the current terms.
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