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OCBC 365 Mastercard

Earn up to 10x OCBC$* on your everyday spending like Shopping, Dining, Grocery, and more. Get one now!

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 6,000
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Cashback
    10x OCBC$
  • icon Annual Fee
    Annual Fee
    Free

Key Features

  • Up to 10x OCBC$ when spend for Dining, Groceries and Shopping
  • 1x OCBC$ on everyday spend for Utilities, Petrol and Insurance Premiums
  • No annual fee for the first year, exclusively for new OCBC cardholders*
Shopping
10/10
Travel
10/10
Petrol
4/10
Groceries
10/10
Dining
10/10

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With OCBC Credit Card, you’re always a winner! Enjoy RM1,000 cashback or RM200 in eWallet credit guaranteed.

*Terms and conditions apply

  • icon groceries Groceries

    • Earn 10x OCBC$ on weekend spend
    • Earn 5x OCBC$ on weekdays
      How does it work?
    Spending OCBC$ earned
    RM500 spent on groceries during weekend 5,000
    RM202.60 spent on petrol 202
    • Capped at 20,000 per statement cycle but you can continue to earn 1x unlimited OCBC$ once the cap is reached.
  • icon shopping Shopping

    • Earn 10x OCBC$ on weekend spend
    • Earn 5x OCBC$ on weekdays
      • Capped at 20,000 per statement cycle but you can continue to earn 1x unlimited OCBC$ once the cap is reached.
  • icon dining Dining

    • Earn 10x OCBC$ on weekend spend
    • Earn 5x OCBC$ on weekdays
      • Capped at 20,000 per statement cycle but you can continue to earn 1x unlimited OCBC$ once the cap is reached.
  • icon petrol Petrol

    • Earn unlimited 1x OCBC$
      • On Utility, Petrol and Insurance spending everyday.
        Excludes Great Eastern Insurance Premiums.

icon tag Other Features

  • OCBC Balance Conversion: Enjoy low repayments when you convert multiple purchases min RM1,000 and above into one instalment plan of up to 36 months with OCBC Balance Conversion.

icon info Card Information

Annual Fee RM100 a year (waived for first year)
Min. Monthly Income RM 6000
Min. age for principal holder 21
Fee for principal holder Free
Min. age for supplementary holder 18 years old
Fee for supplementary holder RM50 a year (waived for first year)
Late payment charge Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
Cash advance amount No limit as long as you have sufficient credit limit.
Cash advance charge Higher of RM20 or 5% of cash advance amount (Inclusive of GST)
Cash advance interest charge 18% per annum on cash advance amount
Rewards points expiry 5 years

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What can I get from my OCBC 365 Mastercard?

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 weekday

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.

Will my supplementary Card enjoy the same benefits as I do?

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

Will I be entitled to rewards point on utilities via JomPay when I pay with this card?

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

I am interested, how can I proceed?

You can click the button "Apply" above. The application process involves filling out an application form and submitting the following documents:

  1. e-KYC; AND
  2. Copy of MyKAD (Front & Back) ; AND
  3. Copy of Driving License (Front & Back)
  4. Additional document if home address stated in MyKAD is different from application form:
    • Bank statement (bearing customer name), OR
    • Utility Bills (bearing customer name)
  5. Latest 3 months Computerized Payslip
  6. Latest EPF statement or
  7. Latest 3 months corresponding Bank Statement showing salary crediting

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