Apply for OCBC World MasterCard by OCBC

Product Highlights

Uncapped 1.2% Cash Back

Enjoy 1.2% unlimited cash back on all retail spend when you spend up to RM1,000 in a month

Complimentary Travel Insurance

Charge your travel fares to the Card to enjoy complimentary Travel Personal Accident coverage of up to RM1,000,000 for American Express Platinum Credit Cardmembers, as well as Travel Inconvenience coverage for missed connections, luggage delay, luggage loss and flight delay.

Plaza Premium Lounge Access

Enjoy 5X complimentary visits per year to plaza premium lounges in Malaysia!

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 Retail	1.2%	RM12	from RM1 up to RM1000 monthly
All Retail	0.6%	uncapped	from RM1001 and above 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	RM411.28, but free for the first year.
Annual Fee for Supplementary Card	RM199.28
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Cash withdrawal fee	RM21.20 or 5.30% of withdrawn amount, whichever is higher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 100,000
Minimum Age For Primary Card	21 years old
Minimum Age For Supplementary Card	18 years old