OCBC 365 MasterCard

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

OCBC 365 MasterCardUnlimited Cashback
Min. Income
RM2,000/month
Annual Fee
Free*
Cashback
up to 1%
Balance Transfer
From 1.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Cashback

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.

Cashback categoryCashback rateMonthly capSpend
All Retail Expenses1%uncappedfrom RM1 up to RM1,000 monthly
All Retail Expenses0.5%uncappedfrom RM1,001 and above monthly

Balance Transfer

With 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 months1.88% 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 interest instalments as low as 2% for up to 20 months. You'll only need to pay a one time upfront fee 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 3 years

  • 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RM20 or 5% of withdrawn amount, whichever is higher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
18%

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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.

Review

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

Annual Fee Waiver

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

If you are a new customer to OCBC, or existing OCBC customer but do not own OCBC credit card in the past 12 month, you are waived from paying annual fee for the first 3 years. However, you are subjected to pay RM25 SST upon credit card approval and anniversary date.

Unlimited Cashback

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 purchase from RM1,001 onwards. 

These rates are applicable to both local and overseas retail transactions, such as auto debit / recurring payment, e-Commerce and online purchases, instalment payment plan, and mail / telephone order. 

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.

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 credit card offers you a line up of flexible credit lines such as:

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