OCBC SmartChange is an innovative feature that helps you save while you spend. Every time you charge your purchases to your OCBC Credit Card, SmartChange will automatically round up your bill to the next dollar (known as Spare Change).

This spare change will then be transferred to an OCBC account of your choice. At the same time, the Bank will reward you by matching a certain percentage on the spare change amount (known as SmartChange Reward). You will also earn a Spending Rebate instead of OCBC$ on purchases with your OCBC Credit Card.

The total from your Spare Change, SmartChange Reward and Spending Rebate will be credited into your OCBC nominated account.

Spare Change is actually the customer’s own money.

For example:
  Coffee              - $3.50
  Spare Change   - $0.50
  Petrol               - $30.00
  Spare Change  - $0

This is the reward amount given by OCBC to the Cardmember.

The SmartChange Reward for the first 3 months is at 100% matching of Spare Change amount, subject to a maximum of S$188. After that, we will continue matching at 4.88%. (There is no cap to the 4.88% matching).

For example:
  Coffee                - $3.50
  Spare Change     - $0.50
  Dinner                - $15.20
  Spare Change    - $0.80
  SmartChange Reward for the month: $0.50 + $0.80 = $1.30
  (based on 100% matching)

There is a cap of S$188 for the 100% matching within the first 3 months of enrolment. However, there is no cap on the 4.88% matching

The cap is based on per account basis. This means that if you have both Platinum and Titanium cards on SmartChange scheme, you can enjoy 100% matching of Spare Change, up to $188 on both cards (Total of $188 x 2 = $376)

The 100% matching is given ONLY for first time enrolment into SmartChange for eligible Card accounts and will not be applicable for subsequent enrolments.

If the first enrolment into SmartChange is terminated before 3 months, the remaining period (eligible for 100% matching) will be forfeited and not carried over for subsequent enrolments

First time enrolment – Free
Subsequent re-enrolment – S$50
The above fees are charged on a per account enrolment basis

*Please note that Debit Card Fast Cash accounts are not elligible for linkage to SmartChange

All OCBC Credit Cardmembers are eligible for SmartChange except the following:
- Robinsons (Including Robinsons Visa, Robinsons Visa Platinum & Robinsons Visa Platinum Elite)
- Fairprice Plus
- Uplus
- BEST-OCBC MasterCard
- IKEA friends Visa Card
- All Private Label Cards
- All Corporate Cards

Supplementary Cardmembers will automatically be tagged under the same scheme as the Principal Cardmember. All SmartChange savings from Supplementary Cardmember will go into the same bank account as per designated by Principal Cardmember

- OCBC Credit Card
- OCBC Deposit Account
- If you do not have an OCBC Deposit account, you can request for a MultiSave account to be opened together with your enrolment into SmartChange

MultiSave account is a statement savings account. There is no monthly service fee and no minimum initial deposit requirement

Your MultiSave account will be automatically linked to your Credit Card so that you may use the Credit Card as your ATM card for the MultiSave account

You may apply in conjunction with your application for your credit card or SmartChange.

Yes. You may link your SmartChange to any eligible OCBC bank account, including a Third party bank account. For example, you may link your SmartChange to your child’s savings account or even your friend’s account.

Yes. You can link as many Credit Cards as you like to a designated bank account
For example, you may link your Platinum and Titanium cards to your Savings account. Your partner can also link his/her Card to your deposit account to consolidate the savings.

New Cardmembers
You may enroll for SmartChange in the same application form for your new credit card. Simply check the box to indicate you want to opt in for SmartChange scheme

Existing Cardmembers
Complete the standalone SmartChange enrolment form which is available at www.ocbc.com/smartchange or you may also request for an application form from the Contact Centre at 1800 363 3333

The purchase amount will be converted in SGD first, and thereafter the spare change amount will be calculated based on the SGD equivalent

- Cash advances
- Dial-A-Cash transactions
- CashWise
- Balance transfers
- Fees, Interest & Charges
- Spare Change/SmartChange Reward
- Spending Rebate

Yes, since Spare Change forms part of the outstanding balance.

If your transaction amount is within your credit limit, the transaction will go through. However, if the Spare Change amount causes the account to be in excess, the Spare Change and SmartChange Reward will not be accorded.

It will take approximately 3 working days. A notification letter of the new linkage and account details will be mailed to you within 7 working days for your reference.

- Call Contact Centre at 1800 363 3333 to request for termination of your SmartChange account
- Fill up the SmartChange form that can be downloaded here and fax or mail back

No. However do note that a re-enrolment fee of S$50 apply.

- Write in to the bank with original signature (matching the same signature during account opening)
- Visit any OCBC branch in person to terminate

If your designated bank account for SmartChange is terminated, we will automatically terminate your enrolment for SmartChange and revert you back to OCBC$ scheme with effect from the next transaction.

If your designated bank account for SmartChange is terminated, we will automatically terminate your enrolment for SmartChange and revert you back to OCBC$ scheme with effect from the next transaction