Logo

OCBC 365 MasterCard

Earn 1% cashback on all retail transactions up to RM1,000, and 0.5% cashback on any subsequent spending above RM1,000!

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 3000
  • icon Interest Rate
    Interest Rate
    18% p.a.
  • icon Cashback
    Cashback
    -
  • icon Annual Fee
    Annual Fee
    RM 100

Key Features

  • Earn 1% cashback on all retail transactions up to RM1000
  • Earn 0.5% cashback on all retail transactions on subsequent spend above RM1000
  • 1% cashback up to RM1000

  • icon groceries Groceries

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

  • icon shopping Shopping

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

  • icon travel Travel

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

  • icon petrol Petrol

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

  • icon dining Dining

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

icon tag 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

icon dining Card Information

Min. Monthly Income RM 3000
Min. age for principal holder 21
Fee for principal holder RM 100
Min. age for supplementary holder 18 years old
Fee for supplementary holder RM50 Waived for first 3-year
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
Rewards points expiry N/A

icon review
Product Review by

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!