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OCBC World MasterCard

Earn unlimited cashback of 1.2% on all retail transactions* and also receive Personal Accident Insurance coverage of up to RM2,000,000!

  • icon Min. Monthly Income
    Min. Monthly Income
    RM 8333
  • icon Interest Rate
    Interest Rate
    18% p.a.
  • icon Cashback
    Cashback
    Up to 1.2%
  • icon Annual Fee
    Annual Fee
    Free

Key Features

  • 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
  • icon petrol Petrol

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

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

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

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

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

icon tag 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
  • Cashback Limit: 1.2% cashback on spending up to first RM1,000, 0.6% cashback on subsequent spending

icon shopping Card Information

Min. Monthly Income RM 8333
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 188
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
Rewards points expiry N/A

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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, which may match your requirements.

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