OCBC Cashflo MasterCard

Manage your cash smarter with OCBC Cashflo. Enjoy an annual fee waiver for the first year and let it converts your shopping expenses into a 0% instalment plan.

OCBC Cashflo MasterCardSmart cash management!
Min. Income
Annual Fee
up to 0.5%
Balance Transfer
From 2.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Earn a 0.5% unlimited cash rebate on your total retail spending with OCBC Cashflo MasterCard, no minimum spending is required!

All Retail Local and Abroad, Auto Debit/Recurring, E-commerce/Online Purchase, Instalment Payment Plan (IPP) and Mail Order/Telephone Order0.5%uncappedany amount


Travel the world with peace of mind. Just reach out to OCBC's 24-hour concierge at 1800-80-6429 to take advantage of a personalized service that answers all your travel queries.

Balance Transfer

Consolidate all outstanding credit card balances into OCBC credit cards to enjoy low-interest rates and flexible terms with OCBC Balance Transfer.

Pay OverWith Interest Rate AtWhen You Transfer
6 months2.88% 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

Convert a minimum of RM500 into a 0% Auto-IPP (Installment Payment Plan) to enjoy low and affordable monthly instalments for up to 12 months. But if you want a more flexible tenure, choose OCBC Easy Payment Plan that also offers 0% interest!

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
  • RM188 primary card

    Free for first year for new OCBC Credit Card customers and for those who don't own any OCBC card in the last 12 months

  • RM68 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RM20 or 5% of withdrawn amount, whichever is higher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
Contact-less Payment Methods


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


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.


Manage your finance and cash flow efficiently with OCBC Cashflo MasterCard and enjoy great benefits all year long. Eligible for individuals earning from RM72,000 annually!

Annual Fee Waiver - OCBC Cashflo MasterCard

OCBC Cashflo MasterCard is a rewarding cashback credit card that you can afford annually at RM188 for the principal cardholder, whereas RM68 for the supplementary cardholder.

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

Unlimited Cash Rebates

Why swiping OCBC Cashflo MasterCard is more rewarding than using up your cash? Because for every Ringgit you charged to your OCBC Cashflo MasterCard, you earn a 0.5% unlimited cash rebate.

Rebates are applicable for expenses made in Malaysia and overseas, from dining to entertainment to travel and insurance payments, there is no cap on the amount of cashback you can get!

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 Cashflo MasterCard as a primary payment tool and let your credit card does all your bill payment on time via auto debit.

0% Auto-IPP

So...you have purchased a big-ticket item but do not have enough cash to repay your credit card. 

What's more, the 20-day interest-free period is almost running out! 

Don't fret as OCBC Cashflo MasterCard is equipped with a 0% Auto-IPP (Installment Payment Plan) with minimum spending of RM500. 

You can select to repay your outstanding balance in 3, 6 or 12-month instalments; the longer the tenure, the smaller the instalment amount.

OCBC Cashflo MasterCard Global Travel Assistance

Save your decision-making energy with the help of the 24-hour concierge, who is on standby round-the-clock to answer all your travel queries, whether locally or overseas.

The OCBC Cashflo MasterCard Global Travel Assistance allows you to make restaurant reservations, and book concert tickets and accommodation at your fingertips at 1800-80-6429.

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