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OCBC Titanium Mastercard

If you cannot resist the thrill of shopping online or via e-wallet , OCBC Titanium Mastercard is just what you need!

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 5,000
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Cashback
    12X OCBC$
  • icon Annual Fee
    Annual Fee
    Free

Key Features

  • Up to 12X OCBC$ on online and e-wallet spending
  • Earn unlimited OCBC$ on all transactions
  • 5-year OCBC$ validity period
Shopping
10/10
Groceries
10/10
Rewards
10/10
Dining
10/10

  • icon online-spending Online Spending

    • Earn up to 12X unlimited OCBC$ on online and e-wallet spending on Double Date and Pay Day
    • Earn 6X OCBC$ when you spend online and top up your eWallet on other days.

    Notes:

    1. Double Date refers to 1.1, 2.2, 3.3, 4.4, 5.5, 6.6, 7.7, 8.8, 9.9, 10.10, 11.11, 12.12
    2. Pay Day refers to 25th of every month.

  • icon e-wallet-top-up e-Wallet Top Up

    • Earn up to 12X unlimited OCBC$ on online and e-wallet spending on Double Date and Pay Day. Example; Grab, Shopee, Setel etc
    • Earn 6X OCBC$ when you top up your eWallet on other days.

  • icon groceries Groceries

    • Earn up to 12X OCBC$ when you make a payment through e-wallet on Double Date and Pay Day sales. Example; Grab, Shopee, Setel etc
    • Earn 1X unlimited OCBC$ on other retail spending and redeem as cashback for anything.

  • icon petrol Petrol

    • Earn up to 12X OCBC$ when you make a payment through e-wallet on Double Date and Pay Day sales. Example; Grab, Shopee, Setel etc
    • Earn 1X unlimited OCBC$ on other retail spending and redeem as cashback for anything.

  • icon dining Dining

    • Earn up to 12X OCBC$ when you make a payment through e-wallet on Double Date and Pay Day sales. Example; Grab, Shopee, GSC online, Setel etc
    • Earn 1X unlimited OCBC$ on other retail spending and redeem as cashback for anything. 

  • icon entertainment Entertainment

    • Earn up to 12X OCBC$ when you make a payment through e-wallet on Double Date and Pay Day sales. Example; GSC online, TGV, Grab etc
    • Earn 1X unlimited OCBC$ on other retail spending and redeem as cashback for anything. 

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 RM75 a year (waived for first year*)
Min. Monthly Income RM 5000
Min. age for principal holder 21
Fee for principal holder Free
Min. age for supplementary holder 18 and above years old
Fee for supplementary holder Free for life
Late payment charge 1% late payment fee only applicable to retail transactions and cash advance or RM10 (whichever is higher), subject 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
Cash advance interest charge Up to 9% per annum on the amount advanced.
Rewards points expiry OCBC$ valid for 5 years

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Product Review by

OCBC$ Everywhere!

As an OCBC Titanium Mastercard cardholder, you will earn up to 12X OCBC$ every month on online transactions and eWallet top-ups when you spend during special promotional periods such as 1.1, 2.2, 3.3, 4.4, 5.5, 6.6, 7.7, 8.8, 9.9, 10.10, 11.11, 12.12 and Pay Day refers to 25th of every month.

OCBC$ REWARDS POINTS TRANSACTIONS FOR OCBC$ REWARDS POINTS CALCULATION

12X

 Online & e-wallet spending on Double Date and Pay Day

6X

 Online & e-wallet on other days

1X

 All other retail sending

Other Features

Convert your statement purchases into monthly instalments plan of up to 36 months with OCBC Balance Conversion. 

How it works?

Balance Conversion

RM1,000 and above 
Interest Rate

7.99% a year

Repayment Tenure

 12, 24 & 36 months

*More info please visit here

Will I be entitled for rewards points (OCBC$) when I purchase goods at overseas?

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.

I like both the Blue & Pink Credit Cards. Can I apply for both?

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

Is there a capping of rewards points (OCBC$) earnings?

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.

Fees and Charges

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.

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