OCBC Titanium MasterCard Pink

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.

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 maximises 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 maximise 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 cash credit and are credited directly to your card account.

The redemption process is straightforward—the app shows your current balance, you choose how much to redeem, and the cash credit 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:

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

Required Documents to Apply