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:
| Total Monthly Spend | Reward | Winners Per Month |
| RM500 – RM1,499 | RM100 Grab voucher | 65 |
| RM1,500 – RM4,999 | RM300 Grab voucher | 50 |
| RM5,000 and above | RM900 Trip.com travel voucher | 53 |
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.
Premium Perks for Global Spenders with OCBC World MasterCard
The OCBC World MasterCard is a premium credit card designed for high-spending individuals who value unlimited cashback, exclusive travel privileges, and comprehensive insurance coverage.
Whether you frequently travel overseas, dine at fine restaurants, or indulge in premium shopping, this card rewards your lifestyle with valuable perks.
Unlimited Cashback Earned on Every Transaction
One of the biggest highlights of the OCBC World MasterCard is its unlimited cashback, allowing you to save more as you spend.
| Transaction Type | Cashback Rate |
| Overseas Spending (Foreign Currency) | 1% cashback |
| Local Spending (Ringgit Malaysia) | 0.5% cashback |
There’s no limit to how much cashback you can earn each month, making it an excellent choice for those who spend frequently on travel, dining, entertainment, and shopping.
Calculation examples:
- RM5,000 local spending = RM25 cashback (0.5%)
- RM5,000 overseas spending = RM50 cashback (1.0%)
- RM20,000 mixed (RM10,000 local + RM10,000 overseas) = RM50 + RM100 = RM150 total
Cashback is automatically credited to your card statement.
Transactions That Qualify for Cashback
- Physical store purchases locally and overseas
- Online shopping and e-commerce
- Dining, entertainment, petrol
- Recurring payments and auto-debit
- Mail order and telephone order
- Instalment Payment Plans (IPP)
Exclusion: UK and EU Spending Gets Zero Cashback
Despite the "1% overseas" rate, transactions in the following regions earn 0% cashback:
- United Kingdom (England, Scotland, Wales, Northern Ireland)
- All EU countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
- EEC countries: Iceland, Liechtenstein, Norway
- French territories: French Guiana, Guadeloupe, Martinique, Mayotte, Reunion, Saint Martin
- Other territories: Aland Islands, Gibraltar, Svalbard, and Jan Mayen
This exclusion applies to all transactions in these regions, whether you're physically there or shopping online from merchants based in these countries.
Travel in Style with Complimentary KLIA Lounge Access
Both principal and supplementary cardholders each receive 2 complimentary visits per calendar year to Plaza Premium Lounge at Kuala Lumpur International Airport.
Simply present your OCBC World MasterCard at the lounge reception. Your two complimentary visits reset on 1 January each year.
Calendar year: 1 January - 31 December
If you use both your complimentary visits before December, you'll need to wait until the next calendar year for the free visits to reset.
Lounge Facilities
- Free-flow buffet spread and beverages
- Comfortable seating and rest areas
- Complimentary Wi-Fi
- Shower facilities
- Newspapers and magazines
- Quiet environment before your flight
Travel Insurance Up to RM2 Million Coverage
Complimentary travel insurance coverage up to RM2 million applies when you charge the full airfare for your trip to your OCBC World MasterCard.
Coverage: RM2,000,000 for personal accident (accidental death and permanent disability)
Who's covered:
- Principal cardholder
- Supplementary cardholder(s)
- Spouse and dependent children (when their tickets are also charged to the card)
Requirements:
- Charge full airfare to your OCBC World MasterCard
- Coverage applies for the duration of the trip
For complete policy details, terms, conditions, and exclusions, refer to the Group Policy document on the OCBC website.
Annual Fees and Charges
- Principal card: RM388 + RM25 service tax = RM413
- Supplementary card: RM188 + RM25 service tax = RM213
The OCBC World MasterCard offers a full annual fee waiver for the first year, which will be automatically waived in subsequent years when you meet the minimum retail spend of RM40,000 per annum.
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:
- 5% of new balance (excluding instalment plans) + 100% of all instalment amounts
- RM50
Late payment fee: RM10 or 1% of outstanding balance (whichever is higher), capped at RM100
Required Documents To Apply
| Customer Segment | Income Documents |
| Salaried |
EPF statement (Minimum 3 months' contribution) OR Latest 2 years' Borang B/BE Summary Acknowledgement Receipt Copy with LHDN Digital e-Filing Stamp + Latest 1 month's payslip |
| Salaried Government/GLC |
Basic and fixed allowance: Latest 1 month's payslip OR Basic + variable allowance: Latest 3 months' payslips |
| Salaried Company Director (<25% shareholding) |
EPF statement (Minimum 6 months' contribution) OR Latest 2 years' Borang B/BE Summary Acknowledgement Receipt Copy with LHDN Digital e-Filing Stamp + Latest 1 month's payslip |
| Business Owner/Company Director (>25% shareholding) | Latest 2 years' Borang B/BE Summary Acknowledgement Receipt Copy with LHDN Digital e-Filing Stamp |
| Commission Earner |
EPF statement (Minimum 6 months' contribution) OR Latest 2 years' Borang B/BE Summary Acknowledgement Receipt Copy with LHDN Digital e-Filing Stamp |
| Salaried Employment for less than 3 months |
Full set of employment letters Latest 1 month's payslip Latest bank statement showing salary crediting |
