OCBC MasterCard Pink

Explore the sweeter side of life with OCBC MasterCard Pink. No annual fee ever and up to 1% unlimited cashback on your retail spending, anytime, anywhere.

OCBC MasterCard PinkCashback On All Retail Spend
Min. Income
RM2,000/month
Annual Fee
Free
Cashback
up to 1%
Balance Transfer
From 1.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
Interest-free
20 days

Cashback

No matter if you're making payments locally or abroad, you will receive uncapped 1% cash rebate on your online transaction and overseas spending as well as 0.1% cash rebate on all other retail spending. The cash will be credited into your card account every month.

Cashback categoryCashback rateMonthly capSpend
All online and overseas spending1%uncappedany amount
All other retail spending0.1%uncappedany amount

Balance Transfer

For as low as 2% p.a., you can transfer your credit card debt from another banks' credit card to your brand new OCBC card. Your outstanding balance needs to be at least RM1000.

Pay OverWith Interest Rate AtWhen You Transfer
6 months1.88% 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

OCBC Easy Instalment Plan - Convert your big purchases into smaller easy instalments over 5, 10, or 20 months. Call OCBC within 15 days of purchase to enjoy interest free monthly instalments.

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
  • RM0 primary card

    Free for life

  • RM0 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RM20 or 5% of withdrawn amount, whichever is higher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
18%

Requirements

Minimum Annual Income
RM24,000
Minimum Age
  • 21 years old  years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody

Features

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.

Review

If owning all that is pink is your favorite, you should have your eyes on the OCBC Mastercard Pink. It is easily accessible, gives you cashback savings on your spending, and you will stand a chance to receive amazing sign-up gifts and promotions.

1% Cashback Everyday

If the words "free money" sounds like music to your ears, then the OCBC Mastercard Pink is playing your song. For all your retail spending whether physically swiping at the shopping mall or shopping online, you will be entitled to receive an 1% cash rebate, for both online transaction and overseas transactions as well as 0.1% cash rebate on all other retail spending. Remember, as it is uncapped - the more you spend, the more cashback you will receive.

Other eligible transactions include auto debit, internet purchases, instalment payment plans, and mail/telephone order.

Personal Financial Planner

If you've just gotten your first full-time job, and have been entrusted with the responsibility of moving out of your parents' house, what better way to manage your finances than by using a line of credit?

You don't have to take time off your busy schedule to personally make bill and cheque payments, so let your OCBC credit card do that for you. With the OCBC PayMaster auto debit system, have all your monthly bills and loan repayments paid automatically. Saves you both the time and hassle.

Also, we know that a lot of people apply for a credit card so that they can pay for a hot-ticket purchase in easy monthly instalments. Thankfully, OCBC will provide you the luxury to convert your RM3000 designer bag into interest free monthly instalments for up to 20 months, on top of having 20-day interest free period from the day of purchase.

Low Income Requirement

You need to be at least 21 years old, and earn an income of only RM24,000 a year to get your hands on a principal credit card. What makes it even more attractive is that you do not need to ever pay an annual fee, ever! 

It is fairly easy to apply for this credit card, especially for a card that gives you benefits in Malaysia, Singapore, and all the way to Indonesia.