Earn unlimited OCBC$
Smarter Way to Earn Rewards on Digital Spending with OCBC Titanium MasterCard Blue
In today's digital-first world, having a credit card that rewards your lifestyle is essential.
The OCBC Titanium MasterCard Blue is designed for online shoppers and e-wallet users, offering generous rewards on digital transactions.
With its sleek blue design and powerful reward-earning potential, this card makes everyday spending more rewarding while providing financial flexibility.
Maximize Rewards on Online and E-Wallet Spending
The OCBC Titanium MasterCard Blue is perfect for those who frequently shop online or use e-wallets:
12x OCBC$ on Double Date & Pay Day
Plan your purchases wisely and earn 12 times OCBC$ when you spend online or top up your e-wallet on special Double Date promotions (e.g., 1.1, 2.2, 3.3, etc.) and Pay Day (25th of every month). This feature allows you to get the most out of your spending during these high-reward periods.
6x OCBC$ on Other Online and E-Wallet Transactions
Even on regular days, you'll still earn 6 times OCBC$ for all online purchases and e-wallet top-ups, ensuring that every digital transaction adds up to valuable rewards.
1x OCBC$ on All Other Spending
For everyday purchases beyond online and e-wallet spending, you’ll earn 1 OCBC$ per RM1 spent, making sure you still benefit from using your card for dining, shopping, travel, and more.
There is a cap of 20,000 OCBC$ per statement cycle for the higher reward tiers (12x and 6x). Once you reach the limit, subsequent transactions will earn rewards at the standard rate of 1x OCBC$.
Strategic shopping example: Spend RM1,500 during 11.11 sales (12x rate) = 18,000 OCBC$. You still have 2,000 points left in your cap, so spending another RM167 at the 12x rate gets you to 20,000. After that, everything you spend earns 1x for the rest of the cycle.
Points Validity and Redemption
Your OCBC$ points can be redeemed for cashback, vouchers, and a variety of other rewards. Whether you prefer to offset your expenses or redeem exclusive gifts, this card offers flexibility in how you use your accumulated points.
OCBC$ points remain valid for five years from the date you earn them.
What Qualifies for Each Earning Rate
Online and E-Wallet Transactions (12x/6x rates)
- E-commerce purchases from online retailers
- Shopee, Lazada, and similar platforms
- E-wallet top-ups and payments (Touch 'n Go, Boost, GrabPay)
- Mail order and telephone order purchases
- Recurring online subscriptions
Retail Spending (1x rate)
- Physical store purchases
- Dining at restaurants
- Petrol stations
- Supermarket purchases (in-person)
- Local and overseas retail transactions
Interest-Free Period and Instalment Plans
Enjoy a 20-day interest-free period on retail purchases, giving you extra time to settle your outstanding balance without incurring interest.
Additionally, the card offers 0% instalment plans at participating merchants, allowing you to spread out payments for bigger purchases without added costs.
Annual Fees and Charges
- Principal card: RM75 per year
- Service tax: RM25 per card (charged on activation and annually)
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:
- 5% of new balance (excluding instalment plans) + 100% of all instalment amounts
- RM50
Late payment fee: RM10 or 1% of outstanding balance (whichever is higher), capped at RM100
Eligibility Requirements
To apply for the OCBC Titanium MasterCard Blue, you must meet the following criteria:
- Minimum Age: 21 years old
- Minimum Income: RM48,000 per year (RM4,000 per month)
Required Documents to Apply
- MyKad (both sides) or passport with work permit (minimum 12 months validity)
- Latest 1-month salary slip (fixed income) OR latest 3-month slips (variable income); OR
- Latest EPF statement showing at least 3 months' contributions; OR
- Latest Borang B/BE/e-filing with proof of tax payment
- MyKad (both sides) or passport with work permit (minimum 12 months validity)
- Latest 3 months salary slips AND 3 months bank statements; OR
- Latest EPF statement showing at least 3 months' contributions; OR
- Latest Borang B/BE/e-filing with proof of tax payment
- MyKad (both sides) or passport with work permit (minimum 12 months validity)
- Form 24/29/49
- Business registration certificate or SSM/CTOS/CBM printout
- If not sole proprietor: 6 months salary slips AND 6 months bank statements
- Business bank statement (if shareholding > 50%): 6 months statements
- EPF statement (except sole proprietor): Latest with at least 3 months of contributions
- MyKad (both sides) or passport with work permit (minimum 12 months validity)
- Non-Great Eastern: 6 months commission statements with 6 months bank statements
- Great Eastern: GE HR confirmation and latest Borang B/BE/e-filing with proof of tax payment
For employees at multinational, publicly listed, or government-linked companies:
For employees at non-MNC, non-GLC companies:
For self-employed individuals (business established 2+ years):
For commission earners (full commission without basic salary):
For foreigners or Malaysians working abroad: Salaried: Latest 3 months' salary slips with bank statements, OR CPF statement (Singaporeans/Singapore PR), OR valid work permit, OR Permanent Residential ID
Self-employed: Latest tax assessment from the relevant country AND a valid work permit/Permanent Residential ID
