OCBC Platinum MasterCard credit card

OCBC Platinum MasterCard

Enjoy unlimited privilege with the new OCBC credit card. Worldwide access to personalised premium services and exclusive VIP benefits.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.5% cashback
  • 1.88% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM188.00 annual fee
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

Earn unlimited 0.5% rebate on all purchases when you use your OCBC Platinum MasterCard. That's right, 0.5% cashback with no maximum spending limit, making this an ideal credit card for your everyday spending at the supermarket, and even auto-IPP transactions.
Discover how much you can save when you shop with your new OCBC Platinum MasterCard
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendany amount monthly0.5%uncappedany amount monthly
Balance Transfer
Money worries? Debt woes? 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 RM1000 
12 months3.88% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about OCBC Balance Transfer
Easy Payment Plan (EPP)
Get 0% interest on purchases made at participating outlets. Simply call the bank within 15 days of purchase and ask for the new Auto-IPP. When your purchases exceed RM500, your payment will automatically be split into 3 months or 6 months on purchases exceed RM1000.
Pay OverWith Interest Rate AtWhen You Spend
5 months4% one-time upfront handling feefrom RM1000 
10 months6% one-time upfront handling feefrom RM1000 
20 months7% one-time upfront handling feefrom RM1000 
Learn more about OCBC Easy Payment Plan
You're busy making plans that are supposed to excite, but instead, they tire you. Benefit from a 24-hour concierge service, call 03-7968 3415 any time of day or night for help with travel bookings, restaurant reservations, and concert tickets.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
Annual Fee for Supplementary Card
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


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
Any Business


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 Platinum MasterCard review

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

If you earn at RM24,000 a year or more, you surely deserve to indulge in life. OCBC Platinum MasterCard is just the credit card you need to help you enjoy your hard-earned money and reward yourself.

0.5% Cashback

Under the OCBC Rebates Programme, OCBC Platinum MasterCard cardholders get a 0.5% cashback on all retail spending, with no maximum spend or monthly cap. With a wide variety of instant discounts and privileges on shopping, dining and entertainment to choose from, it is easy for cardholders to find the perfect deal and receive cashback.

For more flexibility, all retail spending from authorised merchants in Malaysia and anywhere else in the world is recognised under this cashback scheme. There is also no cap on the cashback amount. This means the more you spend, the more cashback you earn.

Useful Financial Tool

No matter how much you earn, it is important to manage your finances in case of emergency. One way to do this is to spread out your financial commitment over a period of time using an easy payment scheme.

OCBC Platinum MasterCard has this option which allows cardholders to pay for big ticket items or huge expenses over a period 5, 10 or 20 months. This instalment payment plan also comes with 0% p.a. interest with one-time upfront handling fee as low as 2.12%.

In addition, this credit card is designed to provide ultimate convenience for its cardholders. With OCBC Platinum MasterCard, you can choose to pay your utility and service bills via monthly debit charge to your credit card. This way, you do not have to waste your precious time standing in line to pay your bills. After all, time is money to you.

Annual Fee Waiver

To own the OCBC Platinum MasterCard, you must be 21 years old or older and earn at least RM24,000 per year. This credit card is free for the first year for new OCBC card holder or customer who held an OCBC credit card more than 12 months.

Booking Convenience

Cardholders also enjoy the prestige of 24-hour concierge services to help book restaurant reservations, travel tickets and more. Simply call 03 7968 3415 anytime from anywhere.

You Deserve the Best

With such an impressive annual income level, you know you have achieved something in life and you should reward yourself. OCBC Platinum MasterCard promises to deliver the best shopping, dining and entertainment privileges for your enjoyment.

Complete with cash rebates, fantastic travel benefits and financial management features, the OCBC Platinum MasterCard is an ideal choice to celebrate your success in life. After all, life is too short, live it to the fullest.

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