Apply for OCBC 365 MasterCard by OCBC Bank

Spend up to RM 1,000 per month to get 1.0% cash back on all retail purchases!

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

Access to various great promotions and enjoy special privileges both locally and regionally!

Cash Back Category	Cash Back Rate	Monthly Cap	Spend
All Retail Purchases	1%	Uncapped	Below RM 1,000 monthly
All Retail Purchases	0.5%	Uncapped	Above RM 1,000 monthly

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

Pay Over	With Interest Rate At	When You Spend
5 Months	0% p.a. with 2% one-time upfront handling fee	From RM 1,000
6 Months	0% p.a. with 1.5% one-time upfront handling fee	From RM 1,000
10 Months	0% p.a. with 4% one-time upfront handling fee	From RM 1,000
20 Months	0% p.a. with 5% one-time upfront handling fee	From RM 1,000

Annual Fee For Primary Card	RM 100*
Annual Fee For Supplementary Card	RM 50
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Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher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.

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

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

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