OCBC Cashflo MasterCard credit card

OCBC Cashflo MasterCard

Enjoy 0% interest rates on your more exorbitant purchases stress free with a card that manages itself. Let it convert your shopping automatically under a 0% installment plan.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.5% cashback
  • 1.88% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM188.00 annual fee

Apply online now for OCBC Cashflo MasterCard

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Because you should be rewarded for giving the bank your business

Get unlimited rebates whenever you spend on retail, dining, entertainment, travel, insurance and so much more. With no caps and no time stamps!
Discover how much you can save when you shop with your new OCBC Cashflo MasterCard
Cashback CategoryCashback RateMonthly CapSpend
All Retail Local and AbroadSpendany amount0.5%uncappedany amount
Balance Transfer
If your switching over to OCBC for this card, then you can consolidate any outstanding credit card balances that you might have with the OBCB Balance Transfer. Ditch the 18% and only pay 2% interest rates.
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)
This clever card converts all your purchases over RM500 on to a 0% installment plan that allows you to make your credit card payment direct installment payments. But if you're in need of a different tenure period, there's always the option of the OCBC Easy Payment Plan that also provides 0% interest installment plans!
Pay OverWith Interest Rate AtWhen You Spend
3 months0% p.a. and no one-time upfront handling feefrom RM500 up to RM1000
6 months0% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about OCBC 0% Installment Payment Plan
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
Travel the world hassle free when with a 24-hour concierge at your beck and call. Take advantage of a personalized itinerary for everything from restaurants, to rooms to tickets, concerts and more events, to occupy you during your holiday.

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 0% Installment 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 Cashflo MasterCard review

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

Time to say good bye to constricting credit cards and enjoy the goodness of unlimited cash rebates and a card that can handle itself with minimum management from you!

Say again?

Unlike most credit cards the Cashflo is a little smarter. So if you like to shop and sometimes you overspend and end up with crazy high interest rates on your purchases then this is the card for you. When you swipe your card for amounts over RM500 this clever digit will automatically convert your purchase under an Auto-Installment Payment Plan. 

This means, you get 0% interest on your purchases and a repayment tenure without even trying, helping you manage your finances all the way. 

Unlimited Cash Rebates

Never apologize for spending some cash when you have an unlimited cash rebate of 0.5% on all your retail expenses. Whether your shopping online, gone for a girls day at the local mall, or decided to hop a flight for a weekend shopping trip in Bangkok, both your local and overseas spending earns you rebates. 

From dining to entertainment to travel, there is no cap on the amount of cashback you can get so go to town and have fun while you're at it. 

Travel Benefits

For some of us, organizing a trip or vacation can be a bit of challenge, especially if its to somewhere new. The solution, give OCBC's 24hr concierge hotline at 1 800 80 6429. 

Let the concierge agents take care of your flights, hotels and even restaurant bookings. If you'd like to attend events at the place you're visiting you can let them handle the ticketing for those things too. So, now you can holiday stress free, with a customized travel itinerary. 

More Benefits?

Sure thing. If you're switching over to OCBC for this card and have an outstanding credit card balance. Consolidate it under the OCBC Balance Transfer and only pay 2% interest along with a repayment tenure that works for you.

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