OCBC Titanium MasterCard Blue

OCBC 2026 Online And Overseas Spend Campaign

From 1 September 2026 to 30 November 2026, every online or overseas purchase on your OCBC Mastercard Credit Card gives you a chance to win from two prize pools worth more than RM300,000.

How You Earn Entries For The Monthly Grand Prize

Three winners are picked each month (nine across the campaign) to win a RM15,000 Trip.com travel voucher. Every local online purchase of at least RM1 earns 1 entry. Every overseas purchase including online transactions of at least RM1 earns 5 entries.

Local online spend only counts in these categories: dining, airlines, travel agencies, groceries, shopping, and digital wallet top-ups. Overseas spend counts in any category.

How The Guaranteed Monthly Rewards Work

Another 504 vouchers are given out across the three months, first come first served, based on how much you spend online and/or overseas in a calendar month:

Spend RM520 online and overseas in October and you clear the first tier, worth one RM100 Grab voucher, as long as vouchers are still left that month. Spend RM5,000 in November and you clear the top tier instead, worth one RM900 Trip.com voucher.

Your spend resets every month. A big spend in September will not help you clear a tier in October.

What Doesn't Count

Instalment payments, standing instructions, annual fees, interest, taxes, late payment charges, and cancelled or refunded transactions do not count for either prize.

Each cardholder can win one Guaranteed Monthly Reward per month at most, and one Monthly Grand Prize for the whole campaign. Only principal cardholders can win, though spending on a supplementary card still counts toward the principal cardholder's total.

Read the campaign terms and conditions for more details.

Smarter Way to Earn Rewards on Digital Spending with OCBC Titanium MasterCard Blue

In today's digital-first world, having a credit card that rewards your lifestyle is essential.

The OCBC Titanium MasterCard Blue is designed for online shoppers and e-wallet users, offering generous rewards on digital transactions.

With its sleek blue design and powerful reward-earning potential, this card makes everyday spending more rewarding while providing financial flexibility.

Maximise Rewards on Online and E-Wallet Spending

The OCBC Titanium MasterCard Blue is perfect for those who frequently shop online or use e-wallets:

12x OCBC$ on Double Date & Pay Day

Plan your purchases wisely and earn 12 times OCBC$ when you spend online or top up your e-wallet on special Double Date promotions (e.g., 1.1, 2.2, 3.3, etc.) and Pay Day (25th of every month). This feature allows you to get the most out of your spending during these high-reward periods.

6x OCBC$ on Other Online and E-Wallet Transactions

Even on regular days, you'll still earn 6 times OCBC$ for all online purchases and e-wallet top-ups, ensuring that every digital transaction adds up to valuable rewards.

1x OCBC$ on All Other Spending

For everyday purchases beyond online and e-wallet spending, you’ll earn 1 OCBC$ per RM1 spent, making sure you still benefit from using your card for dining, shopping, travel, and more.

There is a cap of 20,000 OCBC$ per statement cycle for the higher reward tiers (12x and 6x). Once you reach the limit, subsequent transactions will earn rewards at the standard rate of 1x OCBC$.

Strategic shopping example: Spend RM1,500 during 11.11 sales (12x rate) = 18,000 OCBC$. You still have 2,000 points left in your cap, so spending another RM167 at the 12x rate gets you to 20,000. After that, everything you spend earns 1x for the rest of the cycle.

Points Validity and Redemption

Your OCBC$ points can be redeemed for cash credit, vouchers, and a variety of other rewards. Whether you prefer to offset your expenses or redeem exclusive gifts, this card offers flexibility in how you use your accumulated points.

OCBC$ points remain valid for five years from the date you earn them.

What Qualifies for Each Earning Rate

Online and E-Wallet Transactions (12x/6x rates)

• E-commerce purchases from online retailers
• Shopee, Lazada, and similar platforms
• E-wallet top-ups and payments (Touch 'n Go, Boost, GrabPay)
• Mail order and telephone order purchases
• Recurring online subscriptions

Retail Spending (1x rate)

• Physical store purchases
• Dining at restaurants
• Petrol stations
• Supermarket purchases (in-person)
• Local and overseas retail transactions

Interest-Free Period and Instalment Plans

Enjoy a 20-day interest-free period on retail purchases, giving you extra time to settle your outstanding balance without incurring interest.

Additionally, the card offers 0% instalment plans at participating merchants, allowing you to spread out payments for bigger purchases without added costs.

Annual Fees and Charges

• Principal card: RM75 per year. Waived for first year and will be waived for the subsequent years with a minimum retail spend of RM20,000 per annum.
• Service tax: RM25 per card (charged on activation and annually)

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:

1. 5% of new balance (excluding instalment plans) + 100% of all instalment amounts
2. RM50

Late payment fee: RM10 or 1% of outstanding balance (whichever is higher), capped at RM100

Eligibility Requirements

To apply for the OCBC Titanium MasterCard Blue, you must meet the following criteria:

• Minimum Age: 21 years old
• Minimum Income: RM48,000 per year (RM4,000 per month)

Required Documents to Apply

For employees at multinational, publicly listed, or government-linked companies:

• MyKad (both sides) or passport (for foreigner) with work permit (minimum 12 months validity)
• Latest 1-month salary slip (fixed income) OR latest 3-month slips (variable income); OR
• Latest EPF statement showing at least 3 months' contributions; OR
• Latest Borang B/BE/e-filing with proof of tax payment

For employees at non-MNC, non-GLC companies:

• MyKad (both sides) or passport (for foreigner) with work permit (minimum 12 months validity)
• Latest 3 months salary slips AND 3 months bank statements; OR
• Latest EPF statement showing at least 3 months' contributions; OR
• Latest Borang B/BE/e-filing with proof of tax payment

For self-employed individuals (business established 2+ years):

• MyKad (both sides) or passport (for foreigner) with work permit (minimum 12 months validity)
• Form 24/29/49
• Business registration certificate or SSM/CTOS/CBM printout
• If not sole proprietor: 6 months salary slips AND 6 months bank statements
• Business bank statement (if shareholding > 50%): 6 months statements
• EPF statement (except sole proprietor): Latest with at least 3 months of contributions

For commission earners (full commission without basic salary):

• MyKad (both sides) or passport (for foreigner) with work permit (minimum 12 months validity)
• Non-Great Eastern: 6 months commission statements with 6 months bank statements
• Great Eastern: GE HR confirmation and latest Borang B/BE/e-filing with proof of tax payment

For foreigners or Malaysians working abroad: 

• Salaried: Latest 3 months' salary slips with bank statements, OR CPF statement (Singaporeans/Singapore PR), OR valid work permit, OR Permanent Residential ID

• Self-employed: Latest tax assessment from the relevant country AND a valid work permit/Permanent Residential ID