OCBC 365 MasterCard
No one likes to be restricted! Earn unlimited cashback all year long, enjoy hassle-free auto bill payments, and zero annual fees for the first year.
- Min. IncomeRM6,000/month
- Annual FeeFree*
- Cashbackup to 1%
- Balance TransferFrom 2.88% p.a.
- Easy Payment PlanFrom 0% p.a.
- Interest Rate15% p.a.
- Interest-free20 days
- Overview
No one likes to be restricted! Earn unlimited cashback all year long, enjoy hassle-free auto bill payments, and zero annual fees for the first year.
- Cashback
Save money on all your purchases! Earn 1% unlimited cashback on the first RM1,000 you spend every month, and 0.5% for anything beyond that amount. Be rewarded when you spend on dining, entertainment, insurance, and even when paying for travel tickets.
- Balance Transfer
With the OCBC Balance Transfer plan, you can free up your monthly expenses and save on your credit card bill payment because it offers a very low rate for up to 12 months. The minimum transfer amount is RM1,000.
- Flexible Payments
Absolutely have to get that new laptop or smartphone? Take advantage of low upfront interest as low as 4% for up to 20 months. You'll only need to pay once with no penalty or early settlement charges.
- Features
Criteria Details Card Type MasterCard Interest Free Period (Days) 20
- Fee
Criteria Details Min Cash Withdrawal Fee RM20 or 5% Annual Fee (RM) 100 Min Late Payment RM10 or 1% of outstanding amount, up to a maximum of RM100
- Min Monthly Payment
Criteria Details Min Monthly Payment 5% or RM50 of outstanding amount, whichever is higher
- Easy Payment
Months Interest Rate (%) Upfront Interest (%) Minimum Amount (RM) Max Amount (RM) 5 0 4 1000 - 10 0 6 1000 - 20 0 7 1000 -
- Balance Transfer
Months Upfront Interest (%) Interest (%) Minimum Amount (RM) 6 0 2.88 1000 12 0 4.88 1000
- Cashback Tiers
Applicability Minimum Spend (RM) Maximum Spend (RM) Monthly Cap (RM) Cashback Percentage (%) Other Condition(s) All Retail Expenses 1 1000 - 1 - All Retail Expenses 1001 - - 0.5 -
- Annual Percentage Rate
Criteria Interest Rate (%) Prompt Repayment every month 15 Prompt Repayment 10 out of 12 months 17 Prompt Repayment of less than 10 out of 12 months 18 Interest rate on cash withdrawal 18
- Supplementary Card
Criteria Details Annual Fee RM50 Minimum Age (Years) 18
- Eligibility
Criteria Details Minimum Age 21 Who Can Apply Anybody