Smart cash management!
Smart Payment Flexibility with OCBC Cashflo MasterCard
Recognized as the Best Credit Card for Instalments, the OCBC Cashflo Mastercard is the ideal choice for seamless shopping, offering flexible payment options and exclusive benefits.
The OCBC Cashflo MasterCard is a great choice for Malaysians looking for a credit card that offers auto bill payments, and flexible instalment options. Designed to help cardholders manage their cash flow efficiently, this card rewards you every time you spend while ensuring that your big purchases remain affordable with 0% instalment plans.
Here’s everything you need to know about this credit card and why it could be the perfect fit for your lifestyle.
Annual Fee Waiver - Enjoy Your First Year Free
The OCBC Cashflo MasterCard comes with an annual fee of RM188 for the principal cardholder and RM68 for the supplementary cardholder. However, if you are a new OCBC customer or an existing OCBC customer without an OCBC credit card in the last 12 months, you will receive a first-year annual fee waiver.
Do note that a RM25 Sales & Service Tax (SST) applies upon card approval and on every anniversary date.
0% Auto-Instalment Payment Plan (Auto-IPP)
Enjoy automatic instalment conversion with OCBC Cashflo MasterCard.
Transactions between RM500 and RM1,000 are converted into a 3-month instalment plan, while those above RM1,000 are split into a 6-month instalment plan-all at 0% interest.
No manual setup, no hidden fees—just effortless spending with structured repayments.
Eligible Transactions for Auto-IPP on OCBC Cashflo Mastercard
The Auto-IPP (Installment Payment Plan) feature is applicable to a wide range of purchases, provided the minimum spending requirement is met. This allows cardholders to split their payments into instalments automatically, making big-ticket purchases more manageable.
The following transactions qualify for the Auto-IPP feature:
- Local and overseas purchases – Transactions made in Malaysia or in foreign currencies.
- Online purchases, e-wallet top-ups, and e-commerce transactions – Includes payments on platforms like Lazada, Shopee, and more.
- Mail order and telephone orders – Purchases made via phone or mail.
- Auto debit and recurring payments – Monthly subscription services, insurance premiums, and other automated payments charged to the card.
By enabling these transactions for Auto-IPP, the OCBC Cashflo Mastercard ensures greater financial flexibility, allowing you to spread payments over instalments effortlessly.
Required Documents To Apply OCBC Cashflo Mastercard
- Photocopy of MyKad (both sides) or passport (for foreigner) with working permit validity of at least 12 months
- Latest 1 month salary slip for fixed income / 3 months salary slips for variable income; OR
- Latest EPF statement with at least 3 months contributions; OR
- Latest Borang B/BE/e-filing with proof of tax payment
- Photocopy of MyKad (both sides) or passport (for foreigner) with working permit validity of at least 12 months
- Latest 3 months salary slips AND 3 months supporting bank statements OR EPF statement
- Latest EPF statement with at least 3 months contributions; OR
- Latest Borang B/BE/e-filing with proof of tax payment
- Photocopy of MyKad (both sides) or passport (for foreigner) with working permit validity of at least 12 months
- Form 24/29/49;
- Business Registration certificate/print out from SSM/CTOS/CBM
- With salary slip (except sole proprietor) 6 months salary slips AND 6 months supporting bank statements
- Business bank statement (shareholding must be > 50%) 6 months principal bank statements
- EPF statement with at least 3 months contributions
- Photocopy of MyKad (both sides) or passport (for foreigner) with working permit validity of at least 12 months
- 6 months commission statements with 6 months supporting bank statements
- GE HR confirmation
- Latest Borang B/BE/e-filing with proof of tax payment
- Latest 3 months salary slips AND supporting bank statements; OR
- CPF statement for Singaporean and Malaysian with Singapore PR; OR
- Valid work permit if employment is not in home country; OR
- Permanent Residential ID (for Singapore PR)
- Latest Tax Assessment from specific country; AND
- Valid work permit/Permanent Residential IR requirement as per salaried above
1. Multinational company, Public listed company, Government linked company, Government servant
2. Non-multinational company, Non-public listed company, Non-government linked-company
3. Self-employed (more than 2 years with/in current business)
4. Commission Earner (full commission earner without basic salary)
Non-Great Eastern (GE)
Great Eastern (GE)
5. Foreigner/Malaysian working abroad
Salaried/Employed
Self-employed
