OCBC 365 MasterCard

No one likes to be restricted! Earn unlimited cashback all year long, enjoy hassle-free auto bill payments, and zero annual fees for the first year.

OCBC 365 MasterCardUnlimited Cashback
Min. Income
Annual Fee
up to 1%
Balance Transfer
From 2.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Save money on all your purchases! Earn 1% unlimited cashback on the first RM1,000 you spend every month, and 0.5% for anything beyond that amount. Be rewarded when you spend on dining, entertainment, insurance, and even when paying for travel tickets.

All Retail Expenses1%uncappedfrom RM1up to RM1,000 monthly
All Retail Expenses0.5%uncappedfrom RM1,001 or above monthly

Balance Transfer

With the OCBC Balance Transfer plan, you can free up your monthly expenses and save on your credit card bill payment because it offers a very low rate for up to 12 months. The minimum transfer amount is RM1,000.

Pay OverWith Interest Rate AtWhen You Transfer
6 months2.88% p.a. and no one-time upfront handling feefrom RM1,000
12 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about OCBC Balance Transfer

Easy Payment Plans

Absolutely have to get that new laptop or smartphone? Take advantage of low upfront interest as low as 4% for up to 20 months. You'll only need to pay once with no penalty or early settlement charges.

OCBC Easy Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
5 months4% one-time upfront handling feeRM1,000
10 months6% one-time upfront handling feeRM1,000
20 months7% one-time upfront handling feeRM1,000
Learn more about OCBC Easy Payment Plan

Fees & Charges

Annual Fee
  • RM100 primary card

    Free for first year for first-time OCBC credit card customers and for customers who don't hold any OCBC credit card in the past 12 months

  • RM50 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
OCBC Easy Payment Plan
Shop interest-free on your credit card for up to 20 months! Convert your purchases into affordable instalments. No paperwork needed!
Cash Advance / Cash Loan
OCBC Call For Cash
Get cash with your OCBC Credit Card and repay in monthly fixed instalment up to 36 months - No documents required.
Balance Transfer Plans
OCBC Balance Transfer
Balance Transfer with low interest rate. Transfer a minimum of RM1,000 outstanding balance from another bank’s credit card to your OCBC Credit Card.


Enjoy a 20-day interest-free purchase, annual fee waiver and unlimited cashback with OCBC 365 MasterCard.

Unlimited Cashback with OCBC 365 MasterCard

OCBC 365 MasterCard offers you two words: UNLIMITED CASHBACK! For the first RM1,000 you spend every month, you earn 1% cashback.

Another 0.5% cashback will be credited to you for purchases from RM1,001 onwards.

These rates are applicable to both local and overseas retail transactions, such as auto-debit/recurring payments, e-commerce and online purchases, instalment payment plans, and mail/telephone orders. 

Annual Fee Waiver 

OCBC 365 MasterCard is a rewarding cashback credit card that you can afford annually at RM100 for the principal cardholder, whereas RM50 for the supplementary cardholder. 

If you are a new customer to OCBC, or an existing OCBC customer but do not own an OCBC credit card in the past 12 months, you are waived from paying the annual fee for the first year. However, you are subjected to pay RM25 SST upon credit card approval and anniversary date.

OCBC 365 MasterCard Auto Bill Payment

Simplify all your service and utility bill payments via OCBC PayMaster for more convenience.

All you have to do is register your OCBC 365 MasterCard as a primary payment tool and let your credit card does all your bill payment on time via auto-debit.

Low Exchange Rate Fees

Swiping your OCBC credit card overseas would usually entail paying an extra administration fee of 1.25% when converting Ringgit to a foreign currency. 

But with the OCBC 365 MasterCard, you will be exempted from this fee, which can rack up to a significant amount if you're planning on a massive shopping spree abroad.

OCBC 365 MasterCard Flexible Line of Credits

Spending your heart content on credit can be detrimental to your finances if you don't keep them in check.

That's why OCBC 365 MasterCard credit card offers you a line up of flexible credit lines such as:

  • OCBC Easy Payment Plan
  • OCBC Call For Cash
  • OCBC Balance Transfer
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