OCBC 365 MasterCard credit card

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.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 1% cashback
  • 1.88% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM100.00 annual fee

Apply online now for OCBC 365 MasterCard

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Because you should be rewarded for giving the bank your business

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.
Discover how much you can save when you shop with your new OCBC 365 MasterCard
Cashback CategoryCashback RateMonthly CapSpend
All Retail ExpensesSpendfrom RM1 and above monthly1%uncappedfrom RM1 and above monthly
All Retail ExpensesSpendfrom RM1001 and above monthly0.5%uncappedfrom RM1001 and above monthly
Balance Transfer
Don't believe in magic? Watch your excessive interest fees vanish with OCBC balance transfer! Free up your monthly budget and pay your credit card bills at very low rates 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 RM1000 
12 months3.88% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about OCBC Balance Transfer
Easy Payment Plan (EPP)
Absolutely have to get that new laptop or smartphone? Take advantage of low interest instalments as low as 2.12% for up to 20 months. You'll only need to pay a one time upfront fee with no penalty or early settlement charges.
Pay OverWith Interest Rate AtWhen You Spend
5 months2% one-time upfront handling feefrom RM1000 
10 months4% one-time upfront handling feefrom RM1000 
20 months5% one-time upfront handling feefrom RM1000 
Learn more about OCBC Easy Payment Plan

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first 3 years
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
OCBC Easy Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
OCBC Call For Cash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
OCBC Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

OCBC 365 MasterCard review

What's so good (or not so good) about it?

Introducing the new kid on the block - get uncapped cash rebates for just about anything you buy with the new OCBC 365 MasterCard. Avoid unnecessary fees with 20-day interest free purchases, no annual fee for your first year, and dodge late penalty fees with OCBC Paymaster automatic bill payments!

ZERO Annual Fee

So you think the OCBC 365 is a great cashback credit card, but not willing to fork out the RM106 annual fee? Great news - you can skip paying the fee for your first year with your new OCBC credit card as long as you're a new OCBC cardholder or customer who held OCBC credit card for more than 12 months. And, you can avoid 6% GST for annual fee.

Unlimited Cashback

Some credit cards offer high cashback rates, but conveniently forget to tell you the catch - there's usually a cap to how much you can earn each month! With the OCBC 365 MasterCard, there will be no cap on all retail purchases, whether you're paying for a delicious meal at a 5-star restaurant, paying for your life insurance premiums, or charging all your travel arrangements to your credit card.

You'll earn 1% rebate on the first RM1,000 you spend each month, and 0.5% onwards. These rates are applicable to both local and overseas retail transactions. OCBC will credit the cash into your credit card account, and will appear in your monthly statement. You can view also view your e-statement with OCBC Online banking.

Convenient Bills Payment

Dreading going to the post office to pay your bills during rush hour? With OCBC 365 MasterCard, queuing to pay your phone and internet bills will no longer be a problem. OCBC will take care of your monthly utility and service bill payments automatically - pay for your Digi, Maxis, Celcom and Astro bills with OCBC PayMaster.

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 - fancy taking a flight and spend your hard-earned cash at shopping havens such as Singapore's Orchard Road or Causeway Bay in Hong Kong? Go right ahead!

No Early Settlement Fees

Be free from fees and charges when you settle your repayments early for OCBC balance transfer, easy payment plan ( EPP), or cash loan plans. Additionally, you may be entitled to get interest refunds from OCBC.

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