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OCBC World MasterCard

OCBC World MasterCard

Dapatkan rebat tunai sebanyak 1.2% tanpa had

Interest Rate

15.0% p.a.

Balance Transfer

2.0% p.a.

Cashback

up to 1.2%

Annual Fee

Free*

Cash back
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

Travel protection
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.

Pass
Plaza Premium Lounge Access

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

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 Retail 1.2% RM12 from RM1 up to RM1000 monthly
All Retail 0.6% uncapped from RM1001 and above 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 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Cash withdrawal fee RM21.20 or 5.30% of withdrawn amount, whichever is higher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

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