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
1.88% p.a. balance transfer over 6 months
Easy Payment Plan (EPP)
RM0.00 annual fee

Benefits
Fees & Charges
Requirements
Features
Review
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Apply online now for OCBC MasterCard Pink

RinggitPlus will help you every step of the way.

My income is greater than RM24000 a year. That's at least RM2000 monthly.

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Benefits

Because you should be rewarded for giving the bank your business

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.

Discover how much you can save when you shop with your new OCBC MasterCard Pink
Cashback Category		Cashback Rate	Monthly Cap	Spend
All online and overseas spending	Spendany amount	1%	uncapped	any amount
All other retail spending	Spendany amount	0.1%	uncapped	any 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 Over	With Interest Rate At	When You Transfer
6 months	1.88% p.a. and no one-time upfront handling fee	from RM1000
12 months	3.88% p.a. and no one-time upfront handling fee	from 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 Over	With Interest Rate At	When You Spend
5 months	2% one-time upfront handling fee	from RM1000
10 months	4% one-time upfront handling fee	from RM1000
20 months	5% one-time upfront handling fee	from RM1000

Learn more about OCBC Easy Payment Plan

Fees & Charges

There are always fees but how much are they?

Annual Fee

RM0

Free for life

Sales and Service Tax

RM25 on each principal and supplementary card upon approval and anniversary date

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

RM20.00 or 5.00% of withdrawn amount, whichever is higher

Interest Rate on Cash Withdrawals

18%

Requirements

Are you eligible for this credit card?

Minimum annual income: RM24000
Minimum age for primary card holder: 21 years old
Minimum age for supplementary card holder: 18 years old
Who can Apply: Anybody

Features

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.