OCBC$ valid for 5 years
Maximize Your Everyday Rewards with OCBC 365 MasterCard
The OCBC 365 Mastercard is a practical credit card designed to help Malaysians maximize their daily spending by earning rewards in the form of OCBC$ points. Whether you are dining out, shopping, paying for utilities, or refueling 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 optimize their spending.
Earn More OCBC$ When You Spend on Weekends
One of the standout features of the OCBC 365 Mastercard is the ability to earn extra rewards when you spend on weekends.
- 10x OCBC$ per RM1 spent on Saturdays and Sundays for:
- Dining
- Groceries
- Shopping
- 5x OCBC$ per RM1 on the same categories when you spend on weekdays (Monday to Friday).
This tiered reward system makes it beneficial for cardholders who frequently spend on weekends, allowing them to accumulate points at a much faster rate.
Consistent Rewards on Utilities, Petrol, and Insurance
Not all spending can be planned for weekends, which is why OCBC ensures you still earn rewards for essential expenses:
- 1x OCBC$ per RM1 spent on:
- Petrol
- Utility bills
- Insurance premiums (excluding Great Eastern Insurance)
This feature is great for Malaysians who want to get rewarded for necessary expenses like TNB electricity bills, mobile postpaid payments, or refueling their car at any petrol station.
No Cap on OCBC$ Points – With a Generous Monthly Limit
Unlike some credit cards that impose strict limits on how many points you can earn, the OCBC 365 Mastercard allows cardholders to accumulate up to 20,000 OCBC$ per statement cycle.
Even if you exceed this cap, you can still earn 1x OCBC$ per RM1 spent, ensuring that every transaction continues to add value.
OCBC$ Points Have a Long 5-Year Validity
Many reward programs force you to use your points within a short time frame, but OCBC allows you to keep your OCBC$ for up to 5 years.
This extended validity period means you have ample time to collect and redeem points for bigger rewards such as travel redemptions, cashback, or shopping vouchers.
First-Year Annual Fee Waiver
For new applicants, the annual fee is waived for the first year, making it cost-free to try out the card.
- From the second year onwards:
- Principal card annual fee: RM100
- Supplementary card annual fee: RM50
This makes it an affordable option compared to many other reward-based credit cards in Malaysia.
Lower Fees on Foreign Currency Transactions
Using your OCBC credit card abroad typically comes with an administration fee of 1.25% on currency conversions.
However, with the OCBC 365 Mastercard, you’ll only be charged a reduced administration fee of 1.00%, helping you save on international purchases.
If you're planning a shopping spree overseas, this lower fee ensures that you get **more value for every Ringgit spent**, making it a great choice for frequent travelers and global shoppers.
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
The OCBC 365 Mastercard is a well-balanced credit card that provides high OCBC$ earnings on weekends, steady rewards for essential expenses, and a long 5-year validity period for collected points.
For Malaysians who often dine out, shop, and spend on groceries, this card is a great way to maximize everyday spending while enjoying extra savings through reward redemptions.
