OCBC 365 MasterCard
Earn up to 1% unlimited cash back,. Get rewarded for your retail purchases, from dining to entertainment, from travelling expenses to insurance, and so much more.
Interest Rate
From 15.0% p.a.
Balance Transfer
2.0% p.a.
Cashback
up to 1.0%
Annual Fee
Free*
Uncapped 1.0% Cash Back
Enjoy 1.0% unlimited cash back on all retail spend when you spend up to RM1,000 in a month
OCBC Privileges and Promotions
Enjoy access to various great promotions and enjoy special privileges both locally and regionally
Easy Bill Payments
Pay your bills easily via Maybank2u, by cash or cheque at over 400 Maybank branches, Cash/Cheque Deposit Machines or by standing instruction
20 Day Interest-Free Period
Enjoy a 20-day interest-free period from the billing date on all retail purchases. You can pay with an interest-free instalment plan at participating merchants
Features
Cash Back
| Cash Back Category | Cash back Rate | Monthly Cap | Spend |
|---|---|---|---|
| All Local Retail | 1% | uncapped | from RM1 up to RM1000 monthly |
| All Local Retail | 0.5% | uncapped | from RM1 up to RM1001 monthly |
Balance Transfer
| Pay Over | With Interest Rate At | When You Transfer |
|---|---|---|
| 6 months | 2% p.a. and no one-time upfront handling fee | from RM1000 |
| 12 months | 4% p.a. and no one-time upfront handling fee | from RM1000 |
- Minimum transfer amount of RM1,000.
Easy Payment Plan
| Pay Over | With Interest Rate At | When You Spend |
|---|---|---|
| 5 months | 2.12% one-time upfront handling fee | from RM1000 |
| 10 months | 4.24% one-time upfront handling fee | from RM1000 |
| 20 months | 5.3% one-time upfront handling fee | from RM1000 |
- Buy the things you've always wanted with payment terms of up to 20 months and low interest rates
- All you have to do is pay a one time upfront fee. No penalties, no early settlement charges, no worries!
Fees and Charges
| Annual fee | RM106, but free for the first year. |
|---|---|
| Annual Fee for Supplementary Card | RM53 |
| Mininum monthly payment | RM50 or 5% of outstanding amount |
| Late payment fee | RM10 or 1% of outstanding amount, up to maximum of RM100 |
| Cash withdrawal fee | RM21.20 or 5.30% of withdrawn amount, whichever is higher |
| Interest rate on cash withdrawals | 18% |
Interest Rate
| 15% Interest Rate Per Annum | Tier 1: Cardholders with prompt payments for 12 consecutive months |
|---|---|
| 17% Interest Rate Per Annum | Tier 2: Cardholders with prompt payments for 10 months or more in last 12 months. |
| 18% Interest Rate Per Annum | Tier 3: Cardholders who do not fall under 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 |
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