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