OCBC World MasterCard

All the world's a stage with OCBC. Travel in style with instant 2X complimentary access to KLIA Plaza Premium Lounge, free travel insurance, and a 24/7 concierge!

OCBC World MasterCardCashback on Everything
Min. Income
Annual Fee
up to 1.2%
Balance Transfer
From 2.88% p.a.
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
20 days


Get a 1.2% cash rebate on the first RM1,000 spending and a 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.

All Retail1.2%uncapped up to RM1,000 monthly
All Retail0.6%uncappedfrom RM1,001 or above monthly


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 entries a year. Both privileges are subject to terms and conditions.

Travel CoverageSum Insured
Travel InsuranceUp to RM2,000,000


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, a free flow of beer, movies, and much more. Also, have the convenience of a 24-hour concierge service for your booking needs.

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 2.88% interest rate.

Pay OverWith Interest Rate AtWhen You Transfer
6 months2.88% p.a. and no one-time upfront handling feefrom RM1,000
12 months4.88% p.a. and no one-time upfront handling feefrom RM1,000
Learn more about OCBC Balance Transfer

Easy Payment Plans

Take advantage of the OCBC Easy Payment Plan. Pay for your retail purchases with your credit card as low as 4% interest for up to 20 months! Just call OCBC within 15 days to inform.

OCBC Easy Payment Plan
Pay OverWith Interest Rate AtWhen You Spend
5 months4% one-time upfront handling feeRM1,000
10 months6% one-time upfront handling feeRM1,000
20 months7% one-time upfront handling feeRM1,000
Learn more about OCBC Easy Payment Plan

Fees & Charges

Annual Fee
  • RM388 primary card

    Free for first year for first-time OCBC credit card customers and for customers who don't hold any OCBC credit card in the past 12 months

  • RM188 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM20 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Contact-less Payment Methods


Minimum Annual Income
Minimum Age
  • 21 years old primary card
  • 18 years old supplementary card
Who can apply
  • Anybody


Easy Payment Plan
OCBC Easy Payment Plan
Shop interest-free on your credit card for up to 20 months! Convert your purchases into affordable instalments. No paperwork needed!
Cash Advance / Cash Loan
OCBC Call For Cash
Get cash with your OCBC Credit Card and repay in monthly fixed instalment up to 36 months - No documents required.
Balance Transfer Plans
OCBC Balance Transfer
Balance Transfer with low interest rate. Transfer a minimum of RM1,000 outstanding balance from another bank’s credit card to your OCBC Credit Card.


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 terms, you've earned it.

Save Your Ringgit with OCBC World MasterCard

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 too good to be true, but 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 fewer interest charges, fewer worries, and a world of difference.

Cash Rebates On Everything

The OCBC MasterCard Rebate Programme allows cardholders to be eligible for a 1.2% rebate on the first RM1000 spending and 0.6% on 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 OCBC credit card and be spoilt for choice with world-class dining, a free flow of beer, movies, and much more. 

If you have 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 are also available around the clock, 7 days a week.

OCBC World MasterCard - Added Convenience 

OCBC PayMaster gives you the convenience of having your utility and service bills paid automatically through monthly debit on the OCBC World MasterCard, 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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