OCBC World MasterCard credit card

OCBC World MasterCard

All the world's a stage with OCBC. Travel in style with instant access to KLIA Plaza Premium Lounge, free travel insurance, and 24/7 concierge!

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 1.2% cashback
  • 2% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM411.28 annual fee

Apply online now for OCBC World MasterCard

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Because you should be rewarded for giving the bank your business

Get a 1.2% cash rebate on first RM1,000 spending and 0.6% rebate on the subsequent spending when you use your OCBC World MasterCard. With no cap on cashback there's no limit to your benefits.
Discover how much you can save when you shop with your new OCBC World MasterCard
Cashback CategoryCashback RateMonthly CapSpend
All RetailSpendfrom RM1 up to RM1000 monthly1.2%RM12from RM1 up to RM1000 monthly
All RetailSpendfrom RM1001 and above monthly0.6%uncappedfrom RM1001 and above monthly
Balance Transfer
Live free of debt! Balance Transfer from your current credit card balance to a brand new World MasterCard and stand to gain from a 2% interest rate.
Pay OverWith Interest Rate AtWhen You Transfer
6 months2% p.a. and no one-time upfront handling feefrom RM1000 
12 months4% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about OCBC Balance Transfer
Easy Payment Plan (EPP)
Take advantage of the OCBC Easy Payment Plan. Pay for your retail purchases with your credit card as low as 2.12% interest for up to 20 months! Just call OCBC within 15 days to inform.
Pay OverWith Interest Rate AtWhen You Spend
5 months2.12% one-time upfront handling feefrom RM1000 
10 months4.24% one-time upfront handling feefrom RM1000 
20 months5.3% one-time upfront handling feefrom RM1000 
Learn more about OCBC Easy Payment Plan
Enjoy free travel personal accident coverage when you charge your full airfare to your World MasterCard for up to RM2,000,000. What's more - enjoy 2x complimentary KLIA Plaza Premium Lounge entry a year.
Travel CoverageSum Insured
Travel InsuranceUp to RM2000000
Get 2 complimentary access in a year at the KLIA Plaza Premium Lounge. Simply flash your World MasterCard and be pampered on-the-go with 5-star food and beverages, free flow of beer, movies, and much more. Also, have the convenience of a 24-hour concierge service for your booking needs.

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first year
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
RM21.20 or 5.30% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal

*inclusive of 6% GST


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 World MasterCard review

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

Open up a treasure trove of benefits and exclusive privileges with the OCBC World MasterCard, allowing you and your family the freedom to explore and pursue the places that you've always dreamed about. Go ahead and live life on your own terms, you've earned it.

Save Your Ringgit

Fed up with high annual fees on credit cards? Both primary and supplementary card users will pay no such fees for the OCBC World MasterCard, offering you more savings throughout your lifetime. Yes, in a world that has taught us to look out for a catch, it seems to good to be true, but this really the fees really can be free.

You will also enjoy an initial 20 day interest free period on all retail purchases, beginning on the billing date. So if you can help it, prompt payments on your debts would result in less interest charges, less worries, and a world of difference.

Cash Rebates On Everything

The World MasterCard Rebate Programme allows cardholders to be eligible for a 1.2% rebate on first RM1000 spending and 0.6% on the subsequent spending, which includes local and overseas purchases.

That isn't too bad at all, considering that the cashback you stand to earn is uncapped and unlimited, purely dependent only on the amount that you are willing to spend each month.

Premium Services

While waiting for a flight, get pampered with two complimentary visits per year to the KLIA Plaza Premium Lounge. All you have to do is present your World MasterCard and be spoilt for choice with world-class dining , free flow of beer, movies, and much more. If you have a friends or family members tagging along, they will also be given the same privileges.

A personalised service that answers your travel queries, makes restaurant reservations and books your tickets to concerts and performances is also available around the clock, 7 days a week.

Added Convenience 

OCBC PayMaster gives you the convenience of having your utility and service bills paid automatically through monthly debit on the OCBC Credit Card, so you don't have to go through the hassle of paying over the counter anymore, or worst, forgetting to service your bills.

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