OCBC Gold Visa credit card

OCBC Gold Visa

Ready for your first credit card? Get an OCBC Gold credit card with unlimited cashback and a 20 day interest free period on your retail spending.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.2% cashback
  • 1.88% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM38.00 annual fee


Because you should be rewarded for giving the bank your business

An ideal, affordable, first credit card that earns you 0.2% cashback on just about every single thing you buy. Doesn't sound like a lot but if you're making a big purchase it'll pay off as there's no cap on the cashback. Sadly, does not cover petrol, but everything else is included.
Discover how much you can save when you shop with your new OCBC Gold Visa
Cashback CategoryCashback RateMonthly CapSpend
 Spendany amount0.2%uncappedany amount
Balance Transfer
Credit card bill getting you down? No problem. Balance Transfer to OCBC and benefit from 2% interest whilst you pay off your debts. Minimum transfer of RM1000.
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)
The OCBC Easy Payment Installment Plan offers 0% interest on purchases from selected shops. You can spread your payments over 5, 10 or, 20 months making more expensive items a little bit more affordable.
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
It's not made of gold but the OCBC Gold Visa credit card is a fetching golden colour, giving you that premium VIP look when you splash the plastic.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • First year free
  • Waived when 12 swipes per year
Annual Fee for Supplementary Card
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM85
Cash withdrawal fee
RM15.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal


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
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 Gold Visa review

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

Cash Rebates On Most Spending

The OCBC Visa Gold Credit Card offers a cash rebate of 0.2% on all retail spending with the exception of petrol.

While the rebate rate isn't exactly the highest in the world, there is some solace in the fact that the cashback you stand to earn is uncapped and unlimited which means that it is purely dependent on the amount you are willing to spend each month.

Rebates are automatically credited into your card amount and will be reflected in your monthly statement.

Added Convenience

OCBC PayMaster makes it easier for you to settle your utility and service bills by paying them automatically through a monthly debit on your OCBC credit card. No need to worry about forgetting to pay your bills on time. Also, save the hassle of having to pay your bills over the counter anymore!

Interest-free period

Enjoy a 20-day interest-free period from the billing date on all retail purchases. You can also spend at any of OCBC's participating merchants with an interest-free instalment plan. 

No Annual Fee On the First Year

Anyone above 21 years of age with an annual income of at least RM24000 can apply for the OCBC Visa Gold Credit Card. The best part about it is that you do not have to pay any annual fees at all during the first year for both principal and supplementary cards.

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