• Min. Monthly Income

    RM8,333.00

  • Interest Rate

    18% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee

    Free

Feature Highlights
  • 1.2% cashback on retail transactions for monthly spending up to RM1,000
  • 0.6% cashback on retail transactions for subsequent monthly spending above RM1,000
  • Personal Accident Insurance Coverage with coverage of up to RM2,000,000
Petrol
5.5/10
Dining
5/10
Entertainment
5/10
Groceries
5/10
Shopping
5/10

Petrol

  • 1.2% cashback every month for spending up to RM1,000
  • 0.6% cashback every month for subsequent spending above RM1,000

Dining

  • 1.2% cashback every month for spending up to RM1,000
  • 0.6% cashback every month for subsequent spending above RM1,000

Entertainment

  • 1.2% cashback every month for spending up to RM1,000
  • 0.6% cashback every month for subsequent spending above RM1,000

Groceries

  • 1.2% cashback every month for spending up to RM1,000
  • 0.6% cashback every month for subsequent spending above RM1,000

Shopping

  • 1.2% cashback every month for spending up to RM1,000
  • 0.6% cashback every month for subsequent spending above RM1,000

Other Features

  • 2x complimentary access to KLIA Plaza Premium Lounge for cardholder per year

  • Protection Plan

    • Personal Accident Insurance Coverage with coverage of up to RM2,000,000

  • 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 Free (Waived for 1st 3 years and RM388 for subsequent years )
Min. Monthly Income RM8,333.00
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder 188
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 RM20 or 5% of cash advance amount

Cash advance interest charge

18% per annum on cash advance amount

Cashback Limit

Unlimited

Rewards points expiry

N/A

Product Review by iMoney Malaysia

Cashback and Concierge

As an OCBC World Mastercard holder, you will get 1.2% cashback every month for spending up to RM1,000 and 0.6% cashback every month for subsequent spending above RM1,000. The cashback is for all retail transactions across dining, groceries, entertainment, shopping and petrol. You will also be entitled to 24-hour concierge services to any of your enquiries.

Other Features

This credit card entitles you to 2 complimentary access to KLIA Plaza Premium Lounge per year for your travelling needs. You will also be entitled to the Personal Accident Insurance Coverage protection plan of up to RM2,000,000. The Balance Transfers are at 0% per annum but a 2% or 4% one-time upfront fee is imposed based on a tenure of 6 months or 12 months respectively. Also there will be a 0% interest Installment Payment Plan at participating merchants.

Fees and Charges

The annual fee for this card is waived for the first year, then RM388 annually for the principal holder and RM188 for the supplementary holder with no fee waiver. The interest charges are at 15% p.a. for prompt payments for 12 consecutive months, or 17% p.a. for prompt payments for at least 10 months out of 12 months. If the above interest criterias above are not met, the interest charge is at 18% p.a. Late payment charges will be either the higher of RM10 or 1% of outstanding amount up to a maximum of RM100.

Are You Eligible For The OCBC World MasterCard?

To apply for OCBC World MasterCard, the minimum monthly income required is RM5000 and to be at least 21 years or older as the principal holder and 18 years or older as the supplementary holder.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as OCBC Titanium MasterCard and UOB PRVI Miles Card, which may match your requirements.

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