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OCBC Cashflo Mastercard

Recognized by The Asian Banker as the "Best Credit Card for Instalments," offering you up to 6 months 0% Auto-IPP.

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 5,000
  • icon Interest Rate
    Interest Rate
    15% p.a.
  • icon Cashback
    Cashback
    0% Auto-IPP
  • icon Annual Fee
    Annual Fee
    Free

Key Features

  • 0% Auto-Instalment Payment Plan (Auto-IPP)
  • No annual fee for the first year, exclusively for new OCBC cardholders*
  • Best companion in anytime, anywhere.
Shopping
10/10
Travel
10/10
Groceries
10/10
Dining
10/10

  • icon shopping Shopping

    • Enjoy 0% Auto-Instalment Payment Plan (Auto-IPP). Available at all times and places. 

    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.

  • icon groceries Groceries

    • Grocery shopping stress-free with 0% Auto-Instalment Payment Plan (Auto-IPP)
      • Enjoy 3 months of instalments for RM500–RM1,000 purchases.
      • Extend to 6 months for spending over RM1,000.
      • Universally accessible at all times and places.

  • icon dining Dining

    • Dine worldwide anytime, anywhere, and enjoy automatic conversion with 0% interest.

  • icon insurance-or-health Insurance or Health

    • Continue paying your insurance premium and
      • Enjoy 0% Auto-IPP for 3 months if your premium payment is between RM500-RM1,000 or
      • Enjoy 0% Auto-IPP for 6 months if your premium payment exceeds RM1,000

icon tag Other Features

  • OCBC Balance Conversion: Enjoy low repayments when you convert multiple purchases min RM1,000 and above into one instalment plan of up to 36 months with OCBC Balance Conversion.

icon info 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

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What is the OCBC Cashflo Mastercard?

"Best Credit Card for Instalments," awarded by The Asian Banker because OCBC Cashflo Mastercard is a credit card that offers 0% automatic instalment payment plans (Auto-IPP) for all purchases, allowing cardholders to manage their cash flow more efficiently by spreading payments up to 6 months.

OCBC Cashflo Mastercard annual fee

You can enjoy a RM0 annual fee if you are a first-time OCBC Credit Card applicant and have not held any OCBC Credit Card in the last 12 months. Apply before 31 December 2025!

Are there any fees associated with the installment payment plan?

The Auto-IPP plan offered by the OCBC Cashflo Mastercard does not incur additional interest or fees. However, it's important to check the specific Terms and Conditions and the Product Disclosure Sheet (PDS) for any potential charges.

How can I apply for the OCBC Cashflo Mastercard?

You can apply here. The application process involves filling out an application form and submitting the following documents:

  1. e-KYC; AND
  2. Copy of MyKAD (Front & Back) ; AND
  3. Copy of Driving License (Front & Back)
  4. Additional document if home address stated in MyKAD is different from application form:
    • Bank statement (bearing customer name), OR
    • Utility Bills (bearing customer name)
  5. Latest 3 months Computerized Payslip
  6. Latest EPF statement or
  7. Latest 3 months corresponding Bank Statement showing salary crediting

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