OCBC 365 MasterCard

Apply for OCBC 365 MasterCard by OCBC

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.

OCBC 365 MasterCard
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Product Highlights

Cash back
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

Premium
OCBC Privileges and Promotions

Enjoy access to various great promotions and enjoy special privileges both locally and regionally

Payment
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

Free
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
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

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

Easy payment
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Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher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%
*inclusive of 6% GST

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