OCBC Cashflo MasterCard

Apply for OCBC Cashflo MasterCard by OCBC Bank

Split your payments into several months by spending more than RM 500 with your OCBC Cashflo MasterCard!

OCBC Cashflo MasterCard
Apply

Product Highlights

Cash back
Uncapped 0.5% Cash Back

Earn 0.5% cash back on all retail spend when you use your OCBC Cashflo MasterCard!

Free
20 Days Interest-Free Period

All retail purchases will get a 20-day interest-free period from the billing date onwards!

Good
Hassle-Free Auto-IPP

Remember, it's automatic. All you need to do is spend more than RM500 with your OCBC Cashflo MasterCard and we will split that payment into several months for you.

Features

Cash Back

Cash back
Cash Back Category Cash Back Rate Monthly Cap Spend
All Retail Purchases  0.5% Uncapped Any amount monthly

 

Balance Transfer

Balance transfer
Pay Over With Interest Rate At When You Transfer
6 Months 1.88% p.a. with no one-time upfront handling fee From RM 3,000
12 Months 3.88% p.a. with no one-time upfront handling fee From RM 3,000

Hassle Free Auto Instalment Payment Plan

48 months
Pay Over With Interest Rate At When You Spend
3 Months 0% p.a. with no one-time upfront handling fee From RM 500 - RM 1,000
6 Months 0% p.a. with no one-time upfront handling fee From RM 1,000
12 Months 0% p.a. with no one-time upfront handling fee From RM 2,200*

*For Great Eastern (Life & General) insurance 

Fees and Charges

Annual Fee For Primary Card RM 188*
Annual Fee For Supplementary Card RM 68
Minimum Monthly Payment RM 50 or 5% of the outstanding amount, whichever is higher
Late Payment Fee RM 10 or 1% of the outstanding amount, whichever is higher subject to a maximum of RM 100
Cash Withdrawal Fee RM 20 or 5% of the withdrawn amount, whichever is higher
Interest Rate On Cash Withdrawals 18% p.a.

*First 3 years waived for first time OCBC Credit Card customers and customers who did not hold any OCBC Credit Card in the past 12 months.

Interest Rate

15% Per Annum Tier 1: Cardmembers who promptly settle their minimum payment due for 12 consecutive months
17% Per Annum Tier 2: Cardmembers who promptly settle their minimum payment due for 10 or more in a 12-months cycle
18% Per Annum Tier 3: Cardmembers who do not fall within the above categories

Requirements

Minimum Annual Income RM 24,000
Minimum Age For Primary Card 21 years old
Minimum Age For Supplementary Card 18 years old
Who Can Apply Anyone