• Min. Monthly Income

    RM2,000

  • Interest Rate

    18% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    RM38

Feature Highlights
  • Earn 0.2% cashback on retail transactions
Dining
4/10
Entertainment
4/10
Groceries
4/10
Shopping
4/10
Utilities
4/10

Dining

  • 0.2% cashback no cap everyday

Entertainment

  • 0.2% cashback no cap everyday

Groceries

  • 0.2% cashback no cap everyday

Shopping

  • 0.2% cashback no cap everyday

Utilities

  • 0.2% cashback no cap everyday

Other Features

  • 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

Card Information

Annual Fee RM38 (Waived for first year)
Min. Monthly Income RM2,000
Min. age for principal holder

21

Min. age for supplementary holder

18

Fee for supplementary holder RM29.68 (Inclusive of GST)
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

Goods & Services Tax (GST)

6% on annual fee and other charges

Late payment charge

Higher of RM10 or 1% of outstanding balance, up to a maximum of RM100

Cash advance amount

RM5,000 daily

Cash advance charge

Higher of RM21.20 or 5.3% of cash advance amount (Inclusive of GST)

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit

N/A

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Cashback Everywhere!

As an OCBC Gold Visa Card holder, you will get 0.2% cashback on all retail transactions except petrol. There is no cap on everyday cash back for your dining, groceries, utilities, entertainment and shopping.

Fees and Charges

There is no annual fee for this card as the annual fee for this card is waived. The prevailing finance charges are 8.88% per annum if the minimum repayment (5% of the outstanding balance or a minimum of RM50, whichever is higher) is paid by the payment due date. If the repayment is paid after the due date, it will be 14% . As a late payment charge, higher of RM5 or 1% of outstanding balance, up to a maximum of RM50 will apply. All these charges are subjected by 6% GST effective 1 April 2015.

Are You Eligible For The OCBC Gold Visa Card?

To apply for OCBC Gold Visa Card, you need to be at least 21 years old and have a minimum monthly income of RM2,000. For supplementary holder, you need to be at least 18 years old

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as OCBC Platinum MasterCard and Public Bank Visa Gold Credit Card, which may match your requirements.

If you prefer to broaden your credit card search, review more OCBC credit cards and start comparing today!