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
OCBC 365 MasterCard
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- Min. Monthly Income
- RM 3000
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- Interest Rate
- 18% p.a.
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- Cashback
- -
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- Annual Fee
- RM 100
"Earn 1% cashback on all retail transactions up to RM1,000, and 0.5% cashback on any subsequent spending above RM1,000!
"
iMoney Editor's Review
Key Features
Benefits on...
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Groceries
- 1% cashback up to RM1000
- 0.5% cashback on subsequent spend above RM1000
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Shopping
- 1% cashback up to RM1000
- 0.5% cashback on subsequent spend above RM1000
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Travel
- 1% cashback up to RM1000
- 0.5% cashback on subsequent spend above RM1000
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Petrol
- 1% cashback up to RM1000
- 0.5% cashback on subsequent spend above RM1000
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Dining
- 1% cashback up to RM1000
- 0.5% cashback on subsequent spend above RM1000
More details
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Eligibility/Documents
- Min. Monthly Income
- RM 3000
- Min. Age for Principal Holder
- 21
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Fees and charges
- Annual Fee
- Waived for first 3-year
Other Fees and charges
- Late Payment Charges
- Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100
- 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
- Sales and Services Tax (SST)
- 0% on annual fee and other charges
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Supplementary Card
- Min. Age for Supplementary Holder
- 18 years old
- Fee for Supplementary Holder
- RM50 Waived for first 3-year
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Cash Advance
- Amount
- RM5,000 daily
- Charge
- Higher of RM20 or 5% of cash advance amount (Inclusive of GST)
Other cash advance info
- Cash Advance Interest Charge
- 18% per annum on cash advance amount
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Others
- Rewards Points Expiry
- N/A
Other benefits
- 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
Balance Transfer to any OCBC credit cards
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Review by iMoney
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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.
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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.
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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.
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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!