Mohon untuk OCBC Titanium MasterCard (Blue/Pink) dengan OCBC

Product Highlights

Uncapped Cash Back

Earn unlimited cash back for online and retail transactions!

20 Days Interest-Free Period

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

e-Commerce Protecttion

In the event of non-delivery, incomplete delivery, wrong items or damaged goods for your online purchases, you will be safeguarded with a minimum value of USD 50.

Features

Cash Back

Cash Back Category	Cash Back Rate	Monthly Cap	Spend
Online Transactions	1%	Uncapped	Any amount monthly
All Retail Purchases	0.1%	Uncapped	Any amount monthly

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

Easy Payment Plan

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
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

Fees and Charges

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Cash Withdrawal Fee	RM 20 or 5% of the withdrawn amount, whichever is higher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

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