• Min. Monthly Income

    RM2,000.00

  • Interest Rate

    18% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    RM100.00

Feature Highlights
  • Earn 1% cashback on all retail transactions up to RM1000
  • Earn 0.5% cashback on all retail transactions on subsequent spend above RM1000
Groceries
5.2/10
Shopping
5.2/10
Travel
5.2/10
Petrol
5.2/10
Dining
5.2/10

Groceries

  • 1% cashback up to RM1000
  • 0.5% cashback on subsequent spend above RM1000

Shopping

  • 1% cashback up to RM1000
  • 0.5% cashback on subsequent spend above RM1000

Travel

  • 1% cashback up to RM1000
  • 0.5% cashback on subsequent spend above RM1000

Petrol

  • 1% cashback up to RM1000
  • 0.5% cashback on subsequent spend above RM1000

Dining

  • 1% cashback up to RM1000
  • 0.5% cashback on subsequent spend above RM1000

Other Features

  • Balance Transfer

    • 0% per annum for a tenure of 6 months; one-time upfront fee of 2% of transferred amount imposed
    • 0% per annum for a tenure of 12 months; one-time upfront fee of 4% of transferred amount imposed

  • Instalment Plan

    • 0% interest Instalment Payment Plan at all participating merchants

Card Information

Annual Fee RM100.00 (Waived for first year)
Min. Monthly Income RM2,000.00
Min. age for principal holder

21

Min. age for supplementary holder

18

Fee for supplementary holder RM50 Waived for first year
Finance charges 15% p.a. – prompt payment for 12 consecutive months

17% p.a. – prompt payment for at least 10 out of 12 months

18% p.a – if any of the above is not met

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100

Cash advance amount

RM5,000 daily

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

Cashback Limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Cashback Everywhere!

The OCBC 365 Mastercard gives you 1% cashback up to RM1000 on all retail transactions across groceries, travel, dining, shopping and dining. Cardholders are also entitled to a 0.5% cashback on subsequent spending above RM1000 across the fields as the above.

Other Features

This card has a 0% interest Installment Payment Plan at all participating merchants. The Balance Transfers are at 0% per annum but a 2% or 4% one-time upfront fee is imposed based on a tenure of 6 months or 12 months respectively.

Fees and Charges

The annual fee for this card is free for the first year, then RM100 annually for the principal holder and RM50 for the supplementary holder. The interest charges are at 15% p.a. for prompt payments for 12 consecutive months, or 17% p.a. for prompt payments for at least 10 months out of 12 months. If the above interest criterias above are not met, the interest charge is at 18% p.a. Late payment charges will be either the higher of RM10 or 1% of outstanding amount up to a maximum of RM100.

Are You Eligible For The OCBC 365 MasterCard?

To apply for OCBC 365 MasterCard, the minimum monthly income required is RM2000 and to be at least 21 years or older as the principal holder and 18 years or older as the supplementary holder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as OCBC Great Eastern MasterCard and OCBC MasterCard Silver, which may match your requirements.

If you prefer to broaden your credit card search, review more OCBC credit cards and start comparing today!