OCBC Credit Cards Get A Higher RM3,000 Daily Contactless Limit

Eloise Lau

21st July 2026 - 2 min read

OCBC will raise the daily cumulative contactless spending limit on all its credit cards from RM1,000 to RM3,000 from 3 August 2026. The change applies automatically to both new and existing OCBC credit cards, so you do not need to do anything for the higher limit to kick in.

The per-transaction cap stays the same. Any single tap-and-go payment above RM250 will still require your PIN, as it does now. The RM3,000 figure covers your total contactless spending added up across the day, before the card asks for your PIN again.

How The Daily Limit Resets

Once your contactless spending for the day adds up to RM3,000, the terminal will prompt you for your PIN on the next transaction. Completing the PIN transaction resets your cumulative limit, and you can go back to tapping as usual.

Most people will rarely hit the ceiling. RM3,000 in taps within a single day is a lot of petrol and groceries. The higher limit is aimed at days when you make several larger payments back to back, such as paying for a family dinner and settling a clinic bill without the card interrupting you for a PIN partway through.

You Can Pick A Lower Or Higher Limit

RM3,000 is only the default. If you prefer tighter control over your card, OCBC lets you set your own daily cumulative contactless limit from the options below.

Daily Cumulative Contactless Limit	How To Set It
RM1,000	OCBC Contact Centre (03-8317 5000) or any OCBC branch
RM2,000	Same channels as above
RM3,000 (default)	Applied automatically from 3 August 2026
RM4,000	OCBC Contact Centre or any OCBC branch
RM5,000	OCBC Contact Centre or any OCBC branch

There is no in-app option for now, so setting a custom limit means a phone call or a branch visit. If you were comfortable with the old RM1,000 limit, you can keep it. Just tell the bank before or after the change takes effect. Taps of RM250 and below go through without a PIN, and these no-PIN payments can add up to your full daily limit.

For more information, call the OCBC Contact Centre at 03-8317 5000 or visit the OCBC website.

Eloise Lau

As a creative content writer, Eloise has covered finance, business, lifestyle topics, and even moonlights as a singer-songwriter outside of RinggitPlus. Her current interests are learning the best ways to optimise spending and credit card hacks to gain more airline miles.

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