OCBC Credit Cards

Among the best credit cards in Malaysia, OCBC credit cards give you access to the best promotions and exclusive deals. From unlimited cash back, cards for retail and online shopping to cards for big spenders and business use, there is an OCBC credit card for everyone.

• How can I apply for an OCBC credit card?

  The fastest and most convenient way is to apply through the iMoney website.

  iMoney lets you compare all OCBC credit cards side-by-side, review eligibility and benefits, then submit your application through a streamlined online form.

  To apply: select your preferred OCBC card on iMoney → click “Apply Now” → upload required documents to complete the process. Our friendly customer care agents will reach out and guide you through the process.

  Applying via iMoney offers comparison tools and faster pre-screening. Alternatively, you can apply directly via the OCBC online application page.

• What are the eligibility requirements to apply for an OCBC credit card?

  Typical requirements include:

  • Applicant must be 21 years or older, and
  • Meet the minimum annual income requirement assigned to the card.

  Income thresholds vary per card; check the eligibility section on the respective OCBC card’s product page in iMoney to verify before applying.

• What documents do I need to apply for an OCBC credit card?

  Commonly required documents include:

  • A copy of your NRIC (front and back)
  • Latest payslips or valid income proof
  • Recent bank statements (if required)

  For self-employed or non-salaried applicants, additional documents may be requested. Full documentation requirements are detailed on iMoney’s respective OCBC credit card product page.

• What are the interest rates and other fees for OCBC credit cards?

  Interest rates and fees depend on card type and payment behaviour:

  • For revolving balances (when you don’t pay the full statement balance), OCBC credit cards apply finance/interest charges as defined in the card’s disclosure sheet. For example, some cards may apply ~18% p.a. for retail transactions if payment criteria aren’t met.
  • Cash advances (or “call-for-cash”) and casino-chip cash advances are subject to separate daily interest charges plus a cash advance fee.
  • Additional charges: card annual fees (if not waived), service-tax / stamp duties on activation or yearly renewal, late-payment or overlimit fees, and foreign-currency conversion fees (for overseas or foreign-currency transactions) as specified in each card’s PDS.
  • Minimum monthly repayment combines (a) a percentage of your outstanding balance (e.g., 5%) or (b) a fixed minimum amount (e.g., RM50), whichever is higher, especially when instalment plans, balance transfers, or outstanding balances are involved.

  Recommendation: Always refer to the official OCBC Fees & Charges disclosure sheet when you apply for a card to understand the full cost structure before committing.

• Do OCBC credit cards come with an annual fee, and can they be waived?

  Annual fees vary among OCBC cards. Many cards offer a first-year annual fee waiver, while others waive fees based on spend thresholds or ongoing promotions.

  Check the card-specific OCBC product page or promotional T&Cs to confirm the exact fee and waiver conditions.

• Are there foreign exchange (FX) fees when I use OCBC cards overseas or for foreign-currency purchases?

  It depends on the card. Some OCBC cards offer “no foreign exchange mark-up” or preferential FX terms; others apply standard FX conversion charges.

  Always check the FX and overseas-spend policy listed in your card’s official disclosure or product page before travelling or buying internationally.

• Can I perform a balance transfer to an OCBC credit card?

  OCBC credit cards offer a range of repayment services from Flexi Balance Transfer, Balance Transfer, and Balance Conversion to help you keep in control of your finances. 

  With the Easy Payment Plan, OCBC credit cards give you the option to repay your retail expenditures in monthly instalments with up to 20 months of interest-free shopping.

  If you need cash urgently, simply Call-For-Cash via phone call or OCBC Internet Banking to receive cash from your approved and available OCBC credit card limit.

• How does the OCBC Easy Payment Plan (EPP) or Auto-IPP work?

  OCBC offers instalment options to help manage larger purchases:

  • Auto-IPP automatically converts eligible transactions into instalments
  • Easy Payment Plan (EPP) allows you to convert selected purchases manually
  • Fees, minimum transaction value, and installment tenures vary; always refer to the OCBC instalment plan T&Cs before opting in.

• What are OCBC$ (points), and how do I redeem them?

  OCBC$ are reward points earned when you use participating OCBC credit cards. You can redeem them through OCBC Online Banking or the OCBC Mobile App for cashback, vouchers, merchandise or other rewards.

  Redemption rates, minimum redemption amounts and point validity differ by card and are stated in each card’s Rewards Programme T&Cs.

• How long do OCBC$ points remain valid before they expire?

  OCBC$ points come with a set validity period, generally 5 years from the date they were earned. However, it still differs by card. Unredeemed points will expire after that period.

  Check the Rewards Programme T&C of your card to confirm the exact expiry terms and avoid losing points.

• How do I redeem cashback or rewards earned on my OCBC credit card?

  Cashback and OCBC$ redemptions can be processed via the OCBC Mobile App or via Online Banking, depending on card type.

  Minimum redemption thresholds, conversion rates, and posting timelines vary by card. Always check the official reward T&Cs for the correct procedure.

• How can I maximise rewards on my OCBC credit card?

  Use your card for its highest-earning spend categories, plan around weekend or promotional multipliers, and keep track of any monthly caps on cashback or points.

  Comparing different OCBC cards via iMoney helps you choose the card that aligns best with your spending pattern and maximises returns.

• Which OCBC credit card is best for groceries, dining, travel or everyday spending?

  Each card suits different spending habits:

  • OCBC 365: ideal for groceries, dining, and regular essential spend
  • OCBC Titanium: good for everyday lifestyle and online retail spending
  • OCBC World: tailored for travel and overseas spending, often with travel perks and insurance

  Use iMoney’s card comparison tool to match your monthly spending pattern with the most rewarding OCBC card.

• Why might my OCBC credit card application get rejected?

  Common rejection reasons include:

  • Not meeting the minimum income requirement
  • Incomplete, missing, or inaccurate documents
  • Issues with credit history (CTOS/CCRIS)
  • Multiple recent credit applications

  To improve approval chances, ensure your documentation is complete and apply for a card tier that matches your income profile.

• What should I do if a transaction on my OCBC credit card is incorrect or fraudulent?

  If you notice an unauthorised or incorrect transaction, you should immediately contact OCBC Customer Service to report it.

  OCBC will guide you through the dispute or chargeback process; you may need to submit supporting documents such as receipts or transaction records.

  Full instructions can be found in the OCBC Cardmember Agreement.

• Does OCBC credit cards offer insurance coverage?

  As an OCBC Great Eastern Platinum Mastercard cardholder, you can enjoy up to 2.5% unlimited cashback on Great Eastern Insurance Premiums limited to RM100 per year. Not to mention, if you choose the OCBC World Mastercard, not only will you be able to enjoy 2x access to KLIA’s Plaza Premium Lounge, but also up to RM2 million complimentary travel insurance.

• How are OCBC credit cards tailored to your unique lifestyle?

  Whether you are a savings seeker, an avid online shopper, a retail enthusiast, an entrepreneur constantly on the go or a passionate wellness explorer, OCBC has a variety of credit cards tailored to your unique lifestyle at zero annual fees. 

  With OCBC Titanium Mastercard, you can enjoy amazing savings benefits including up to 1.2% on unlimited cashback for the first RM1,000 spent on retail and up to 0.6% for any subsequent retail purchases. 

  This is not limited to local spending, with similar perks applied for online shopping and overseas spending, including 0% on foreign exchange mark-ups!

• Are there sign-up offers or limited-time promotions for OCBC credit cards?

  Yes. OCBC periodically runs promotions such as sign-up gifts, bonus points, fee waivers, cashback boosters, or seasonal deals.

  Currently, iMoney is offering the “Your Chance to Choose Your Reward” promotion with OCBC. You can win an Apple gadget or RM3,000 cash via Touch 'n Go, or get a guaranteed RM300 reward. This is limited to the first 50 customers weekly.

  These promotions come with eligibility criteria and validity periods. Always reference the OCBC promotions page and associated promo-T&C PDF for up-to-date info before applying.