If you cannot resist the thrill of shopping online or via e-wallet , OCBC Titanium Mastercard is just what you need!
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Online Spending
Notes:
e-Wallet Top Up
Groceries
Petrol
Dining
Entertainment
Other Features
Card Information
| Annual Fee | RM75 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 | Free for life |
| Late payment charge | 1% late payment fee only applicable to retail transactions and cash advance or RM10 (whichever is higher), subject 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 | Up to 9% per annum on the amount advanced. |
| Rewards points expiry | OCBC$ valid for 5 years |
The OCBC Titanium Mastercard is a rewards credit card from OCBC Malaysia that gives accelerated OCBC$ on online and e-wallet spending (up to 12X on Double Date and Pay Day), 1X on other retail, and other benefits like Balance Conversion for purchases.
To be eligible as a principal applicant, you must be at least 21 years old and meet the minimum annual income requirement of RM48,000 or RM4,000 per month. Supplementary applicants must be at least 18 years old.
When applying for the Titanium Mastercard, you’ll need:
Click the “Apply” button on this page and fill out the online application form. Our friendly customer care agent will get in touch and assist you with your application. You can also track your application status in your iMoney dashboard.
The card has an annual fee of RM75 for the principal cardholder. Supplementary cardholders do not have to pay any annual fees.
The interest rate is standard across OCBC credit cards, which follows Bank Negara Malaysia’s tiered rates: 15% – 18% per annum, depending on repayment history and promptness.
Late payment incurs 1% of the outstanding retail balance or RM10 (whichever is higher), up to a maximum of RM100.
12X OCBC$ is the rewards multiplier applied to online & e-wallet transactions made on “Double Dates” (1.1, 2.2, 3.3 … 12.12) and “Pay Day” (25th of every month). On other days, other multipliers apply.
| OCBC$ REWARDS POINTS | TRANSACTIONS FOR OCBC$ REWARDS POINTS CALCULATION |
|
12X |
Online & e-wallet spending on Double Date and Pay Day |
|
6X |
Online & e-wallet on other days |
|
1X |
All other retail sending |
You earn OCBC$ per RM spent, based on the multiplier and spending category/date. OCBC$ accumulate in your rewards account and can be redeemed (for cashback, vouchers, or statement credits) via OCBC’s rewards portal or mobile banking app. Earned OCBC$ are valid for 5 years from the date credited.
Yes. There is a cap for the accelerated OCBC$ earn rate: once you hit the cap (20,000 per statement cycle) for 12X or 6X OCBC$, subsequent spend still earns OCBC$, but typically at the base 1X rate.
Also, certain transactions (e.g., balance transfer, cash advance, fees, interest, disputed or reversed transactions) are excluded from earning OCBC$.
Convert your statement purchases into monthly instalments plan of up to 36 months with OCBC Balance Conversion.
Balance Conversion allows you to convert your retail purchases (above a certain threshold) into monthly instalments (e.g., 12, 24 or 36 months), subject to OCBC’s terms. It's useful if you want to spread large purchases over time.
How it works?
| Balance Conversion |
RM1,000 and above |
| Interest Rate |
7.99% a year |
|
Repayment Tenure |
12, 24 & 36 months |
*More info please visit here
OCBC$ earned with the Titanium Mastercard expire 5 years after it is credited. So it’s good practice to redeem regularly rather than let them accumulate forever.
If a transaction is refunded or reversed, the OCBC$ earned from that transaction are typically reversed once OCBC processes the refund. For disputes or chargebacks, you should follow OCBC’s dispute resolution process. Do keep the merchant's receipts for future reference in case you need them.
No, you may only hold one Blue/Pink design at a time. When you apply, you choose either Blue or Pink. Supplementary cards may have a different design from the principal, but principal cardholders must choose only one design.
Yes, since it's a Mastercard, it's accepted worldwide. However, overseas spending may be treated differently for rewards, and foreign exchange or local fees may apply. Always check OCBC’s current foreign-transaction fee policy.
Common reasons include: not meeting minimum income requirements; insufficient or no valid income documentation; not meeting residency or identity requirements; or already having too many existing credit facilities.
To improve chances, submit complete and accurate documents (ID, income proof), ensure the minimum income threshold is met, and avoid multiple concurrent credit card applications.
