OCBC$ valid for 5 years
OCBC 2026 Online And Overseas Spend Campaign
From 1 September 2026 to 30 November 2026, every online or overseas purchase on your OCBC Mastercard Credit Card gives you a chance to win from two prize pools worth more than RM300,000.
How You Earn Entries For The Monthly Grand Prize
Three winners are picked each month (nine across the campaign) to win a RM15,000 Trip.com travel voucher. Every local online purchase of at least RM1 earns 1 entry. Every overseas purchase including online transactions of at least RM1 earns 5 entries.
Local online spend only counts in these categories: dining, airlines, travel agencies, groceries, shopping, and digital wallet top-ups. Overseas spend counts in any category.
How The Guaranteed Monthly Rewards Work
Another 504 vouchers are given out across the three months, first come first served, based on how much you spend online and/or overseas in a calendar month:
| Total Monthly Spend | Reward | Winners Per Month |
| RM500 – RM1,499 | RM100 Grab voucher | 65 |
| RM1,500 – RM4,999 | RM300 Grab voucher | 50 |
| RM5,000 and above | RM900 Trip.com travel voucher | 53 |
Spend RM520 online and overseas in October and you clear the first tier, worth one RM100 Grab voucher, as long as vouchers are still left that month. Spend RM5,000 in November and you clear the top tier instead, worth one RM900 Trip.com voucher.
Your spend resets every month. A big spend in September will not help you clear a tier in October.
What Doesn't Count
Instalment payments, standing instructions, annual fees, interest, taxes, late payment charges, and cancelled or refunded transactions do not count for either prize.
Each cardholder can win one Guaranteed Monthly Reward per month at most, and one Monthly Grand Prize for the whole campaign. Only principal cardholders can win, though spending on a supplementary card still counts toward the principal cardholder's total.
Read the campaign terms and conditions for more details.
Maximise Your Everyday Rewards with OCBC 365 MasterCard
The OCBC 365 Mastercard is a practical credit card designed to help Malaysians maximise their daily spending by earning rewards in the form of OCBC$ points. Whether you are dining out, shopping, paying for utilities, or refuelling your vehicle, this card ensures that every ringgit spent counts.
With bonus rewards on weekends, a long 5-year validity for earned points, and a first-year annual fee waiver, this card offers great value for those looking to optimise their spending.
Earn More OCBC$ When You Spend on Weekends
The OCBC 365 MasterCard earns OCBC$ points on everyday spending, with higher earning rates on weekends for certain categories. Your points remain valid for five years, giving you plenty of time to accumulate before redeeming them as cash credit.
Earning Rates
Weekends (Saturday and Sunday):
- 10x OCBC$ per RM1 spent on Dining, Groceries, Shopping
Weekdays (Monday to Friday):
- 5x OCBC$ per RM1 spent on Dining, Groceries, Shopping
Every Day:
- 1x OCBC$ per RM1 spent on Utilities, Petrol, Insurance premiums
The 20,000 OCBC$ Monthly Cap
You can earn up to 20,000 OCBC$ per statement cycle from the 5x and 10x earning categories. Once you hit this cap, you'll continue earning 1x OCBC$ on all qualifying purchases with no upper limit.
The 1x earning categories (utilities, petrol, insurance) have no cap at all; you'll always earn 1x on these regardless of how much you spend.
How Much You'll Earn: Practical Examples
Weekend grocery shopper:
- Spend RM400 on groceries every Saturday
- Earn: RM400 × 10 = 4,000 OCBC$ per week
- Monthly total: 16,000 OCBC$ (well under the 20,000 cap)
Heavy weekend spender:
- Saturday: RM300 dining, RM500 shopping
- Sunday: RM400 groceries, RM300 dining
- Weekend total: RM1,500 × 10 = 15,000 OCBC$
- Four weekends: 60,000 OCBC$ earned, but capped at 20,000
- Additional weekday spending continues earning at 1x after cap
Utilities and petrol (no cap):
- RM300 monthly electricity bill = 300 OCBC$
- RM400 monthly petrol = 400 OCBC$
- These always earn 1x regardless of your other spending
OCBC$ Redemption
Your OCBC$ points are valid for five years from the date you earn them. You can redeem them as cash credit directly through the OCBC Mobile Banking App; points are converted and credited back to your credit card account.
The app shows your current OCBC$ balance and lets you choose how much to redeem. Most cardholders save up their points for a few months, then redeem a larger amount to offset their credit card bill or cover a big purchase.
Annual Fee and Charges
- Principal card: RM100
- Supplementary card: RM50
- Service tax: RM25 per card (charged on activation and annually)
Interest rates (tiered structure):
- 15% p.a. if you've made prompt payments for 12 consecutive months
- 17% p.a. if you've made prompt payments for 10-11 out of the past 12 months
- 18% p.a. if you've made fewer than 10 prompt payments in the past 12 months
Cash advance interest: 18% p.a. (charged daily from transaction date)
Minimum monthly payment: Higher of these two:
- 5% of new balance (excluding instalment plans) + 100% of all instalment amounts
- RM50
Late payment fee: RM10 or 1% of outstanding balance (whichever is higher), capped at RM100
The overseas transaction fee is lower than the standard 1.25% charged on most other OCBC cards, saving you money on foreign currency purchases and overseas travel spending.
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
Required Documents to Apply
Documents needed vary by employment type:
Employees at Multinational/Public Listed/Government-Linked Companies/ Government Servant
Required:
- MyKad (both sides) or passport with work permit (valid 12+ months for foreigners)
Plus ONE of these:
- Latest 1-month salary slip (fixed income) or 3 months (variable income)
- Latest EPF statement showing at least 3 months' contributions
- Latest Borang B/BE/e-filing with proof of tax payment
Employees at Other Companies
Required:
- MyKad (both sides) or passport with work permit (valid 12+ months for foreigners)
- Latest 3 months salary slips AND 3 months bank statements OR EPF statement
- Latest EPF statement showing at least 3 months' contributions; OR
- Latest Borang B/BE/e-filing with proof of tax payment
Self-Employed (2+ Years in Current Business)
Required:
- MyKad (both sides) or passport with work permit (valid 12+ months for foreigners)
- Form 24/29/49
- Business registration certificate or SSM/CTOS/CBM printout
- Latest Borang B/BE/e-filing with proof of tax payment
- 6 months salary slips AND 6 months bank statements (if paying yourself a salary, except sole proprietors)
- 6 months business bank statements (if shareholding > 50%)
- EPF statement showing at least 3 months' contributions (except sole proprietors)
Commission Earners (Full Commission, No Basic Salary)
For non-Great Eastern agents:
- MyKad (both sides) or passport with work permit (valid 12+ months for foreigners)
- 6 months commission statements with 6 months supporting bank statements
For Great Eastern agents:
- MyKad (both sides) or passport with work permit (valid 12+ months for foreigners)
- Great Eastern HR confirmation
- Latest Borang B/BE/e-filing with proof of tax payment
Foreigners/Malaysians Working Abroad
Salaried:
- Latest 3 months' salary slips AND supporting bank statements
- CPF statement (for Singaporeans or Malaysians with Singapore PR)
- Valid work permit (if not in home country) OR Permanent Residential ID (Singapore PR)
Self-employed:
- Latest tax assessment from a specific country
- Valid work permit/Permanent Residential ID as per salaried requirements above
OCBC may request additional supporting documents if original copies aren't sighted during the application.
