Earn up to 10x OCBC$* on your everyday spending like Shopping, Dining, Grocery, and more. Get one now!
Promotion
Win an Apple gadgets or RM3,000 in cash via Touch 'n Go, or an instant RM300 guaranteed reward! Apply now and be the first 50 lucky customers weekly.
Groceries
| Spending | OCBC$ earned |
| RM500 spent on groceries during weekend | 5,000 |
| RM202.60 spent on petrol | 202 |
Shopping
Dining
Petrol
Other Features
Card Information
| Annual Fee | RM100 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 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 |
Apply directly through the iMoney website by clicking Apply Now, completing eKYC, and uploading your supporting documents. iMoney submits your application to OCBC on your behalf and provides smoother guidance, faster processing, and help through the application tracker.
You must:
OCBC may apply additional internal credit checks.
After filling out the online application form, you need to submit the following documents:
Salaried applicants:
Self-employed applicants:
There might be additional document requirements depending on OCBC’s verification guidelines.
Finance charges follow Bank Negara Malaysia’s tiered rates: 15%–18% per annum, depending on repayment history and promptness. These rates are standard across OCBC credit cards.
Key fees include:
First-year annual fee is waived for new OCBC cardholders
Applications via iMoney are usually faster because documents and eKYC are submitted upfront. Final approval depends on OCBC’s internal credit evaluation and may vary by applicant.
You can earn Rewards Points (OCBC$) on purchases validly charged to your OCBC 365 Mastercard as provided in the table below:
| Category | OCBC$ on weekdays | OCBC$ on weekends |
| 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.
The 10x/5x boosted OCBC$ are capped at 20,000 OCBC$ per statement cycle. After reaching 20,000 OCBC$, all further retail earnings drop to 1x OCBC$ for the rest of that billing cycle.
Your card will continue earning 1x OCBC$ per RM1, with no further boosted earnings until the next billing cycle resets.
Example monthly spend:
Yes. Supplementary cards earn rewards at the same rates. However, the 20,000 OCBC$ cap applies to the entire account, not per card.
Yes, online and contactless transactions earn OCBC$ if they fall under eligible MCCs. However, eWallet top-ups and transactions routed through JomPay/FPX generally do not earn OCBC$.
The following are excluded from earning OCBC$:
Refer to OCBC’s T&Cs for the complete exclusion list.
OCBC$ normally posts once the transaction is settled by the merchant and reflected in your statement cycle. Posting may vary depending on merchant processing times.
Redeem OCBC$ via the OCBC Mobile Banking app for vouchers, statement credits, or partner rewards. Available options may change based on OCBC’s catalogue.
Yes, OCBC$ points expire 5 years from the date they are earned.
OCBC$ previously awarded for refunded or reversed transactions will be deducted from your balance.
This card is ideal for users who spend heavily on Groceries, Dining and Shopping, especially on weekends, and prefer a points-based card with a long expiry (5 years).
No, this is a rewards points card (OCBC$), not a cashback card. If you prefer cashback, you can consider and compare cashback cards on iMoney’s Best Cashback Credit Cards page.
Yes, it is a Mastercard, so it is accepted globally. Overseas transactions follow Mastercard’s exchange rate plus applicable OCBC conversion fees.
Ongoing promotion: Your Chance to Choose Your Reward! Win an Apple gadget or RM3,000 cash via Touch 'n Go, or get a guaranteed RM300 reward. Limited to the first 50 customers weekly! Terms and Conditions apply.
