OCBC Titanium MasterCard credit card

OCBC Titanium MasterCard

Get uncapped cash rebates of up to 1% every single day of the week, on any and all types of spending, only with the OCBC Titanium MasterCard.

  • 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
View product disclosure sheet.


Because you should be rewarded for giving the bank your business

1% unlimited cashback on online transaction and overseas transaction as well as 0.1% unlimited cashback on all other retail spending, regardless of total spending amount.
Discover how much you can save when you shop with your new OCBC Titanium MasterCard
Cashback CategoryCashback RateMonthly CapSpend
All online and overseas spendingSpendany amount monthly1%uncappedany amount monthly
All other retail spendingSpendany amount monthly0.1%uncappedany amount monthly
Balance Transfer
Consolidate your debt with Balance Transfer interest rates from 2%. Transfer a minimum of RM1000 from the outstanding balance of another bank’s credit card to your new OCBC Credit Card.
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)
One-time handling fee as low as 2.12%. Just call OCBC within 15 days of purchase and convert your shopping to easy interest free monthly OCBC Easy Payment Installment Plan. Spread your payments over 5, 10 or, 20 months.
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
24-hour concierge. An exclusive service that is there for your travel queries, makes restaurant reservations and books your tickets to concerts and performances. Available all day every day!

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for life
Annual Fee for Supplementary Card
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RM20.00 or 5.00% of withdrawn amount, whichever is higher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


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 Titanium MasterCard review

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

Not many credit cards can be described as good-looking, but the OCBC Titanium MasterCard, with sleek and slightly curved edges, exudes a fashionable steely appearance. In addition to its modern face, this credit card comes in two different colours, giving you the choice of either blue or pink, for added individuality.

The Small Print

For a credit card that is packed with value and benefits, OCBC Titanium MasterCard is surprisingly accessible. Anyone aged 21 years old and above with an annual income of RM24000 or more can apply for this card, while supplementary cardholders must be at least 18 years old.

Maintaining this card isn't too hard either, in fact, its pretty much free! In the world of the OCBC Titanium MasterCard, there are no such thing as annual fees, a fact that extends to the supplementary card as well. You'll be paying less on your credit card over your lifetime, and have greater savings in the long run.

Uncapped Cashback

The OCBC Titanium MasterCard is a great choice for individuals or families who are into smart financial management with careful spending and budgeting. Cardholders get 1% cash rebate on online transaction and overseas spending. Also, 0.1% cash rebate is rewarded on all the other retail spending. 

The Titanium Rebate Programme entitles you to rebates 7 days a week, with no minimum spend required. Not to be a letdown, but be aware that the rebate is calculated on the Total Retail Spending for the month and is non-cumulative from previous months.

24-hour concierge

Need a hand arranging a family getaway or booking a table at the busiest restaurant in town? All your needs are only a phone-call away at 03-7968 3415, an exclusive personalised service that answers your travel queries, makes restaurant reservations, and books your tickets to concerts and performances. This allows you to spend less time making plans, and spend more time enjoying life.

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