Up to 12x OCBC$
Elevate Your Everyday Spending with Style and Rewards with OCBC Titanium MasterCard Pink
In today's fast-paced digital world, having a credit card that rewards your spending is essential.
The OCBC Titanium MasterCard Pink is designed for modern individuals who frequently shop online and use e-wallets.
With its stylish pink design and rewarding features, this card makes everyday spending more rewarding while offering financial flexibility.
Earn More OCBC$ on Online and E-Wallet Transactions
The OCBC Titanium MasterCard Pink maximizes rewards when you shop online or use e-wallets:
- 12x OCBC$ on Online and E-Wallet Spending during Double Date and Pay Day
Earn 12 times the OCBC$ when you spend on special Double Date sales (e.g., 1.1, 2.2, 3.3) and Pay Day (25th of every month). This is perfect for online shoppers who time their purchases during major promotions to maximize savings.
- 6x OCBC$ on Online and E-Wallet Spending on Regular Days
Even on non-promotion days, you still earn 6 times the OCBC$ on online and e-wallet transactions, ensuring consistent rewards for your digital spending.
- 1x OCBC$ on All Other Retail Spending
For transactions outside online shopping and e-wallets, the card offers 1 OCBC$ per RM1 spent, allowing you to earn rewards on all types of purchases, including dining, travel, and groceries.
However, note that the maximum OCBC$ earnings per statement cycle is capped at 20,000 OCBC$ for the 12x and 6x categories. Once this cap is reached, additional spending will earn rewards at the standard rate of 1x OCBC$.
What Counts as Online and E-Wallet Spending
The bank determines transaction categories based on how merchants are coded by their payment processors, not where you physically are when you make the purchase.
Online Purchases/E-commerce:
- Shopee, Lazada, and other online shopping platforms
- International e-commerce sites
- Online food delivery (Grab Food, foodpanda, etc.)
- Online subscriptions (Netflix, Spotify, etc.)
- Airlines and hotels booked online
- Any purchase made through a merchant's website or app
E-Wallet Transactions:
- Touch 'n Go eWallet
- Boost
- GrabPay
- ShopeePay
- Other e-wallet platforms
Flexible Redemption Options
Your OCBC$ points remain valid for five years from the date you earn them. Redeem them through the OCBC Mobile Banking App, where they convert to cashback and credit directly to your card account.
The redemption process is straightforward—the app shows your current balance, you choose how much to redeem, and the cashback appears on your next statement. Most cardholders accumulate points over several months, then use a large redemption to offset their bill or cover a major purchase.
Interest-Free Period and Flexible Payment Options
Managing cash flow effectively is crucial, and this card supports that by providing a 20-day interest-free period from the billing date on all retail purchases. This grace period allows you to settle your outstanding balance without incurring interest charges, provided payments are made in full and on time.
Additionally, you can take advantage of interest-free instalment plans at participating merchants, enabling you to spread out payments for larger purchases over a specified period. Terms and conditions apply, so it's advisable to review these before opting for this payment method.
Annual Fees and Charges
- Principal card: RM75 per year
- Supplementary card: No annual fee
- Service tax: RM25 per card (charged on activation and annually)
- Total annual cost: RM100 for principal card (RM75 + RM25 SST), RM25 for supplementary card (RM0 + RM25 SST)
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
Required Documents to Apply
Multinational company, Public listed company, Government-linked company, Government servant
- Photocopy of MyKad (both sides) or passport (for foreigners) with a 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 foreigners) with a 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 foreigners) with a 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 foreigners) with a 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 Malaysians with Singapore PR; OR
- Valid work permit if employment is not in the home country; OR
- Permanent Residential ID (for Singapore PR)
- Latest Tax Assessment from a specific country; AND
- Valid work permit/Permanent Residential IR requirement as per salaried above
Non-multinational company, Non-public listed company, Non-government linked-company
Self-employed (more than 2 years with/in current business)
Commission Earner (full commission earner without basic salary)
Non-Great Eastern (GE)
Great Eastern (GE)
Foreigner/Malaysian working abroad
Salaried/Employed
Self-employed
