OCBC MasterCard Pink credit card

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.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 1% cashback
  • 2% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM0.00 annual fee

Apply online now for OCBC MasterCard Pink

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Because you should be rewarded for giving the bank your business

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.
Discover how much you can save when you shop with your new OCBC MasterCard Pink
Cashback CategoryCashback RateMonthly CapSpend
All online and overseas spendingSpendany amount1%uncappedany amount
All other retail spendingSpendany amount0.1%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 months2% p.a. and no one-time upfront handling feefrom RM1000 
12 months4% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about OCBC Balance Transfer
Easy Payment Plan (EPP)
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.
Pay OverWith Interest Rate AtWhen You Spend
5 months2.12% one-time upfront handling feefrom RM1000 
10 months4.24% one-time upfront handling feefrom RM1000 
20 months5.3% one-time upfront handling feefrom RM1000 
Learn more about OCBC Easy Payment Plan

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals

*inclusive of 6% GST


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 Easy 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 MasterCard Pink review

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

If owning all that is pink is in your Bucket List, 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. Plus, it's pink! Did we mention that already?

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.

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