OCBC Great Eastern Platinum MasterCard

OCBC 2026 Online And Overseas Spend Campaign

From 1 September 2026 to 30 November 2026, every online or overseas purchase on your OCBC Mastercard Credit Card gives you a chance to win from two prize pools worth more than RM300,000.

How You Earn Entries For The Monthly Grand Prize

Three winners are picked each month (nine across the campaign) to win a RM15,000 Trip.com travel voucher. Every local online purchase of at least RM1 earns 1 entry. Every overseas purchase including online transactions of at least RM1 earns 5 entries.

Local online spend only counts in these categories: dining, airlines, travel agencies, groceries, shopping, and digital wallet top-ups. Overseas spend counts in any category.

How The Guaranteed Monthly Rewards Work

Another 504 vouchers are given out across the three months, first come first served, based on how much you spend online and/or overseas in a calendar month:

Spend RM520 online and overseas in October and you clear the first tier, worth one RM100 Grab voucher, as long as vouchers are still left that month. Spend RM5,000 in November and you clear the top tier instead, worth one RM900 Trip.com voucher.

Your spend resets every month. A big spend in September will not help you clear a tier in October.

What Doesn't Count

Instalment payments, standing instructions, annual fees, interest, taxes, late payment charges, and cancelled or refunded transactions do not count for either prize.

Each cardholder can win one Guaranteed Monthly Reward per month at most, and one Monthly Grand Prize for the whole campaign. Only principal cardholders can win, though spending on a supplementary card still counts toward the principal cardholder's total.

Read the campaign terms and conditions for more details.

Cashback & Wellness Benefits for Policyholders with OCBC Great Eastern Platinum MasterCard

The OCBC Great Eastern Platinum Mastercard is tailored for Great Eastern Life policyholders, offering cashback on insurance premiums, unlimited cashback on everyday spending, and exclusive health and wellness perks.

With no annual fees for life, this card is an excellent choice for those looking to maximize savings while maintaining financial security.

Earn Cashback on Great Eastern Insurance Premiums

The OCBC Great Eastern Platinum Mastercard offers a structured cashback program to enhance your savings:

2.5% Cashback on Great Eastern Insurance Premiums

When you charge your Great Eastern insurance premiums to this card, you earn a 2.5% cashback, capped at RM100 per calendar year. For example, paying RM4,000 in premiums annually will maximize this benefit.

0.1% Unlimited Cashback on Other Retail Spending

Enjoy 0.1% cashback on all other retail expenditures, excluding Great Eastern insurance premiums, with no cap on the amount you can earn.

This cashback structure ensures that both your insurance commitments and everyday purchases contribute to your savings.

Transactions That Qualify for Cashback

For 0.1% cashback (excluding UK/EU/EEC):

• Physical store purchases locally and overseas
• Online shopping and e-commerce
• Dining, entertainment, petrol, groceries
• Recurring payments and auto-debit
• Mail order and telephone order
• Instalment Payment Plans (IPP)

For 2.5% cashback:

• Only Great Eastern insurance premium payments

Lifetime Waiver of Annual Fees

A standout feature of this card is the lifetime waiver of annual fees  for both principal and supplementary cardholders.

This means you can enjoy the card's benefits without worrying about recurring annual charges.

Exclusive Live Great Privileges - Enhancing Your Wellness Journey

Cardholders get access to Great Eastern's Live Great programme, which provides health and wellness benefits from Great Eastern and partner merchants.

Typical benefits include:

• Discounts on health screenings
• Savings on wellness programmes
• Fitness membership promotions
• Partner merchant offers

Important: Live Great benefits are managed by Great Eastern, not OCBC. Specific offers, discounts, and partner merchants vary over time. Check with Great Eastern directly or visit the Live Great programme website for current benefits available.

The value of these privileges depends on how actively you use health and wellness services.

Annual Fees and Charges

• Principal card: RM0 (no annual fee)
• Supplementary card: RM0 (no annual fee)
• Service tax: RM25 per card (charged on activation and annually)

Total annual cost: RM25 per card (service tax only)

Unlike many "no annual fee" cards that waive fees conditionally, this card genuinely charges an RM0 annual fee. You only pay the RM25 government service tax.

Interest rates (tiered structure):

• 15% p.a. if you've made prompt payments for 12 consecutive months
• 17% p.a. if you've made prompt payments for 10-11 out of the past 12 months
• 18% p.a. if you've made fewer than 10 prompt payments in the past 12 months

Cash advance interest: 18% p.a. (charged daily from transaction date)

Minimum monthly payment: Higher of these two:

1. 5% of new balance (excluding instalment plans) + 100% of all instalment amounts
2. RM50

Late payment fee: RM10 or 1% of outstanding balance (whichever is higher), capped at RM100

Eligibility Criteria

To be eligible for the OCBC Great Eastern Platinum Mastercard, applicants must meet the following criteria:

• Active Great Eastern Life policy
• Minimum age 21 years old
• Minimum annual income RM48,000 (RM4,000 per month)
• Malaysian citizen or permanent resident

These requirements ensure that the card is tailored for individuals who can fully benefit from its features.

Required Documents to Apply