Make way for more! Your ideal OCBC Masteecard Credit Card is waiting for you. The Asian Banker Malaysia Awards Best Credit Card for instalments: OCBC CASHFLO

Choose your preferred OCBC Credit Card

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Required Documents for Application Processing

Primary ID

  • icon ouline red kyc

    e-KYC

  • icon outline red mycard

    Copy of MyKAD (Front & Back)

  • icon ouline red driving license

    Copy of Driving License (Front & Back)

Income Documentation

  • icon outline red building single

    Private sector employee

    • Latest 3 months computerized payslip and EPF statement.
  • icon outline red building double

    Govt servant, Malaysian work in Singapore

    • Latest 3 months computerized payslip.
    • Latest 3 months corresponding bank statement showing salary crediting.
  • icon outline red briefcase

    Employed for less than 3 months

    • Full set of Employment Letters.
    • Latest 1 month computerized payslip.
    • Corresponding bank statement showing salary crediting.
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Frequently Asked Questions

“Best Credit Card for Instalments,” awarded by The Asian Banker because OCBC Cashflo Mastercard is a credit card that offers 0% automatic instalment payment plans (Auto-IPP) for all purchases, allowing cardholders to manage their cash flow more efficiently by spreading payments up to 6 months.

You can enjoy a RM0 annual fee if you are a first-time OCBC Credit Card applicant and have not held any OCBC Credit Card in the last 12 months.

The Auto-IPP plan offered by the OCBC Cashflo Mastercard does not incur additional interest or fees. However, it’s important to check the specific Terms and Conditions and the Product Disclosure Sheet (PDS) for any potential charges.

You can click here to apply. The application process requires completing an application form and submitting the necessary documentation. For a complete list of required documents, please refer to the Required Documents section above.

You can earn Rewards Point (OCBC$) on purchases validly charged to your OCBC 365 Mastercard as provided in the Table 1 below:-

Category OCBC$ on Weekday OCBC$ on Weekend
Dining 5X for every RM1 10X for every RM1
Grocery
Shopping
Utilities 1X for every RM1
Petrol
Insurance Premiums

*Insurance Premiums exclude Great Eastern Insurance Premiums.

Yes. Supplementary Cardmembers will also enjoy the same benefits as Principal Cardmembers.

No, all transactions made via JomPay, FPX or Duitnow QR are not entitled for Rewards Point (OCBC$).

You can click here to apply. The application process requires completing an application form and submitting the necessary documentation. For a complete list of required documents, please refer to the Required Documents section above.

Yes, as the purchase is not through internet or e-Commerce, it will be treated as other retail spend. If the overseas spend through the internet or e-Commerce platform, it will be treated as Online spend.

No. You may only hold your Credit Card in 1 Blue/Pink Design.

Yes. There is a capping of 20,000 rewards points OCBC$ for 12x rewards points (OCBC$) for online and e-wallet spend on double date and pay day and 6x rewards points (OCBC$) for online and ewallet spend on other days per statement cycle, once the capping has been met, customer can continue to earn 1x rewards point (OCBC$) thereafter.

This credit card does have an annual fee for the principal holder only which is RM75 per year and supplementary holder enjoy for free for life.

However, it’s important to check the specific Terms and Conditions and the Product Disclosure Sheet (PDS) for any potential charges.