Enter referral code MT4W37JB in the OCBC app when you apply for a 360 Account and 365 Credit Card. Get up to S$210 cash for salary crediting and keeping a balance, plus S$365 cashback on S$800 of card spend.
OCBC referral code MT4W37JB — November 2026 rewards at a glance: the headline rewards, the code and the end date.
Step by step
How to use OCBC referral code MT4W37JB
Apply in the OCBC app, enter the code, then meet the conditions for each reward. Open your account by 31 December 2026.
1
Apply through the OCBC app
The referral terms require you to apply via the OCBC app. Choose "Apply for an OCBC 360 account and OCBC 365 credit card". You can open the account instantly if you are a Singaporean with a valid Singpass, or a foreigner who already holds an OCBC product.
⚠️Use the OCBC app or an OCBC page for the card. Applications through third-party sites such as SingSaver and MoneySmart do not qualify for the S$365 cashback.
2
Enter referral code MT4W37JB
Submit the code in your application when the app asks for it, exactly as shown. Check that it is in before you send the application.
MT4W37JB
← tap to copy
3
Deposit S$1,000 and keep it for 30 days
S$1,000 is the initial deposit for a 360 Account. The referral terms also ask you to keep at least S$1,000 in the new account for 30 days or more.
4
Credit your salary for 3 straight months
Credit at least S$1,800 a month, starting the month after you open the account. Open in November to qualify over December, January and February. Open in December to qualify over January, February and March. Keep an average daily balance of S$10,000 or S$25,000 over the same 3 months for the extra cash reward.
⚠️Only genuine salary from your employer counts, sent by GIRO with the description "GIRO-SALARY", or by FAST with code "SAL" or description "SALARY", "SALA" or "SAL". Ask your HR team to update your account number early.
5
Spend S$800 on your 365 Credit Card within 60 days
The 60 days start on your card approval date. Apply by 31 December 2026, and your card must be approved within 30 days of applying. Keep the card for at least 12 months, because OCBC can claw the gift back if you cancel earlier.
✅Cash rewards are credited by the 15th working day of March 2027 for accounts opened in November, or April 2027 for accounts opened in December.
Your rewards
OCBC 360 and 365 sign-up bonus
Each reward has its own conditions. You get one Salary Cash Reward and one Top Up Cash Reward at most, so the 360 Account total is S$110 or S$210.
360 Account · Salary Cash Reward
Credit at least S$1,800 a month
S$60
For 3 consecutive months after the month you open the account.
360 Account · Top Up Cash Reward
Credit salary and keep a balance
S$150
Average daily balance of at least S$25,000 for the same 3 months. At least S$10,000 gets you S$50 instead. This reward also needs your salary crediting.
365 Credit Card · Welcome Gift
New OCBC cardmembers
S$365
Spend at least S$800 in qualifying spend within 60 days of card approval. Apply between 1 Nov and 31 Dec 2026. Insurance, EZ-Link, AXS, wallet top-ups and more do not count. OCBC tells you by email or SMS within 4 calendar months of meeting the spend.
360 Account · GIRO Cash Reward
November accounts only · First 1,000
S$20
Open the account in November, set up GIRO to an eligible billing organisation (OCBC's page says by 30 November), and make one payment from the account by 31 December 2026. You must have had no GIRO arrangement with OCBC to these organisations from 1 Oct 2025 to 31 Oct 2026. Credited by the 15th working day of January 2027.
Current rates
OCBC 360 interest rate and 365 cashback
The headline rates need the most conditions. Here is what each one takes.
OCBC 360 Account
Effective rate on your first S$100,000
2.20% p.a.
With Salary, Save and Spend, until 31 December 2026. The limited-time Save bonus then ends and this falls to 1.95% p.a.
Salary: credit S$1,800+1.25%
Save: raise ADB by S$500+0.65%
Spend: S$500+ on an OCBC card0.25%
Insure: eligible OCBC policy1.25%
Invest: eligible OCBC product1.25%
Base interest0.05%
💡Up to 4.70% p.a. until 31 Dec 2026, or 4.45% p.a. after, needs all five bonuses. Insure starts at S$2,000 in annual premium and Invest at S$20,000, and each lasts 12 months.
OCBC 365 Credit Card · From 1 Nov 2026
Cashback with S$800 monthly spend
6% cashback
Capped at S$160 a calendar month. Miss S$800 and all spend earns 0.25%.
Dining, including fast food6%
Groceries6%
Land transport6%
Petrol6%
Watsons, to 31 Mar 20273%
Everything else0.25%
💡Annual fee is S$196.20, waived for the first 2 years, and waived automatically with S$10,000 of spend in a year. Telco, utilities, EV charging and streaming now earn 0.25%.
ℹ️The fall-below fee is S$2, waived in your first year, and also waived with an average daily balance of S$3,000. Want to compare accounts first? Try our savings account interest calculator.
Who qualifies
Eligibility requirements
Check this before you apply. The 360 Account and the 365 Credit Card have separate rules.
✅ You qualify if
You open a new 360 Account between 1 Nov and 31 Dec 2026
You apply via the OCBC app and submit code MT4W37JB
You are above 18 for the 360 Account, and at least 21 for the card
You earn S$30,000 a year (Singaporeans and PRs aged 21–55), S$15,000 (above 55) or S$45,000 (foreigners) for the card
For S$365, you hold no OCBC credit card now and have held none in the past 12 months
Your accounts stay active and in good standing until the rewards are paid
❌ You don't qualify if
You close a 360 Account opened before 1 Nov 2026 and reopen a new one
You are an OCBC employee
Your salary is not a genuine employer salary with the right description
You miss any one of the 3 consecutive months
You apply for the card through a third-party site
Your card is approved more than 30 days after you apply
ℹ️If you are a foreigner new to OCBC, or a Singaporean without Singpass, OCBC asks you to open the account at a branch. The referral terms name the OCBC app as the way to submit a code, so ask the branch staff how to apply it.
ℹ️Under the referral terms, you agree that OCBC can share your name and sign-up status with the person whose code you use.
FAQ
Common questions
Based on OCBC's 360 Account and OCBC 365 Credit Card MGM Promotion 2026, 360 New Account Opening Promotion (November 2026) and Credit Card Welcome Gift Promotion terms.
You can get up to S$210 cash on a new OCBC 360 Account: S$60 for crediting a salary of at least S$1,800 for 3 consecutive months, plus S$50 or S$150 for also keeping an average daily balance of S$10,000 or S$25,000. New OCBC cardmembers can also get S$365 cashback on the OCBC 365 Credit Card by spending S$800 within 60 days of card approval. The account must be opened between 1 November and 31 December 2026.
You submit the code during your application in the OCBC app, which is the channel named in the referral terms. OCBC does not publish the exact screen, so look for the referral code field before you submit. There is no personal referral link for this offer, only the code MT4W37JB. It is also not the promo code used for OCBC fixed deposits, unit trusts or other products.
The referral terms make no provision for adding a code after you apply, so check it before you submit. If the code is not accepted, confirm that you typed MT4W37JB exactly, that you are applying in the OCBC app, and that you are applying for a new 360 Account or new OCBC 365 Credit Card. OCBC's separate 360 New Account Opening Promotion also pays the same cash rewards and does not ask for a code, so a missed code should not by itself cost you those rewards. Check with OCBC if you are unsure.
For the cash rewards, you must open a new 360 Account in the promotion period. You can hold other OCBC accounts, but closing an older 360 Account and reopening one does not qualify. For the S$365 cashback, you must be a new OCBC cardmember, with no OCBC credit card now and none in the past 12 months. Supplementary cardholders with no principal card can qualify. A 365 Credit Card on its own does not earn the 360 Account cash rewards.
If you open your account in November 2026, the cash rewards are credited by the 15th working day of March 2027. If you open it in December 2026, they are credited by the 15th working day of April 2027. The S$20 GIRO reward is credited by the 15th working day of January 2027. For the S$365 cashback, OCBC notifies you by email or SMS within 4 calendar months of meeting the spend requirement.
OCBC markets the 360 Account and 365 Credit Card offers together, but each set of terms says it does not apply with other promotions unless otherwise stated, and none says outright that they stack. The cash amounts are the same in the referral terms and the public account opening terms, and you get one Salary Cash Reward and one Top Up Cash Reward, so the code does not double them. Confirm with OCBC before you rely on receiving every reward together.
Both start with the S$60 Salary Cash Reward. You reach S$110 by also keeping an average daily balance of at least S$10,000, which adds S$50. You reach S$210 by keeping at least S$25,000, which adds S$150. The balance must be held for the same 3 consecutive months as your salary crediting. Without salary crediting, you do not get the Top Up Cash Reward.
The current referral terms and the OCBC app say S$1,000, kept in the new 360 Account for at least 30 days. OCBC's website still shows S$3,000 in its referral section. The terms say they prevail over marketing material, so S$1,000 is the figure to use. S$3,000 is separately the average daily balance that waives the fall-below fee.
OCBC Bank (Oversea-Chinese Banking Corporation Limited) is a Singapore bank regulated by the Monetary Authority of Singapore (MAS). Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation (SDIC) for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. Card fees and charges apply.
Get up to S$210 cash + S$365 cashback.
Apply for an OCBC 360 Account and 365 Credit Card in the OCBC app and enter referral code MT4W37JB. Conditions apply to each reward.
