Recognized by The Asian Banker as the "Best Credit Card for Instalments," offering you up to 6 months 0% Auto-IPP.
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.
Shopping
How Auto-IPP works
| Retail Spend | Auto-IPP Duration |
Interest rate |
|
RM500 - RM1,000 |
3 months | 0% |
|
> RM1,001 |
6 months | 0% |
*Including foreign currency purchases.
Groceries
Dining
Insurance or Health
Other Features
Card Information
| Annual Fee | RM188 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 | RM68 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 |
| Cash advance interest charge | 18% per annum on cash advance amount |
| Rewards points expiry |
The OCBC Cashflo Mastercard is a credit card that automatically turns your retail purchases into 0% instalments through its Auto-IPP feature. Spending RM500–RM1,000 converts into 3-month instalments, while amounts above RM1,000 become 6-month instalments, with no interest or processing fees.
You can apply directly through iMoney by clicking “Apply Now” on this page. Complete the quick form, upload your documents via e-KYC, and OCBC will process your application. iMoney also helps you track application updates and promotions (when available).
You must meet the following:
Once you are done filling out the online application form, you need to submit the following documents:
The card follows Bank Negara Malaysia’s tiered interest rate structure: 15%–18% per annum, depending on payment behaviour.
OCBC typically offers a first-year annual fee waiver, and sometimes subsequent waivers depending on promotions and eligibility.
Late payment charges are the higher of RM10 or 1% of your outstanding balance, capped at RM100.
Note: Cash advance transactions do NOT qualify for Auto-IPP.
Approval timelines vary, but most customers receive a decision within 1–5 business days, depending on the completeness of documents and e-KYC verification.
Yes. You’ll need to submit alternative income documents such as bank statements, tax returns (BE Form), or other verifiable financial records.
No. The OCBC Cashflo Mastercard is not a cashback or rewards card. Its main benefit is the automatic 0% instalment feature for day-to-day spending.
Absolutely. Auto-IPP is ideal for large purchases such as appliances, gadgets, furniture, travel bookings, and more, especially when they exceed RM1,000 (which triggers a 6-month instalment).
Auto-IPP converts eligible retail purchases into automatic 0% instalments:
No sign-up needed; it's applied automatically.
Most retail purchases qualify, including:
Excluded: Cash advance, balance transfers, quasi-cash, government payments, charity, and certain utilities (based on OCBC category rules).
There is no published limit on the number of transactions, but instalments are still subject to your available credit limit.
No. Auto-IPP instalments are 0% interest and come without additional processing fees as long as transactions meet the minimum qualifying amount.
Yes, foreign currency retail purchases above RM500 automatically convert into 0% instalment under the same Auto-IPP rules.
Auto-IPP is automatic. If you need to dispute or reverse a conversion (e.g., a refund case), contact OCBC customer service to review the transaction.
If the merchant issues a refund, the instalment amount is typically offset on your next statement. The Auto-IPP schedule may adjust depending on the timing of the refund.
Yes, but you must request early settlement through OCBC’s customer service. Auto-IPP has no interest, so there is generally no penalty for early payoff unless OCBC specifies an admin fee in updated terms.
Yes, if each recurring transaction hits the RM500 minimum threshold. Subscriptions below RM500 will not convert.
Purchases below RM500 do not qualify for Auto-IPP and will be billed normally.
Yes, the instalment structure continues, but interest and late fees will apply to unpaid amounts.
Tip: Choose Cashflo if you need flexible instalments; choose 365 if you prefer monthly rebates.
Yes, in many cases:
However, EPP can offer longer tenure options (12–36 months) for very large purchases.
Yes, especially for users who want predictable monthly payments and prefer not to handle manual instalment setups.
This card does not focus on travel benefits. If you want travel insurance, airport perks, or foreign-spend rewards, consider the OCBC Titanium or OCBC 365 credit card instead.
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.
Your instalment breakdown appears clearly in your OCBC online banking and monthly statement under “Auto-IPP instalments.”
You may request a limit review by submitting income documents via OCBC’s hotline or nearest branch. Approval depends on repayment behaviour and updated income.
You can reach OCBC Customer Service at the number listed on the back of your card or visit OCBC’s website for hotline and live chat options.
