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OCBC 365 MasterCard

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 3000
  • icon Kadar Faedah
    Kadar Faedah
    18% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
    -
  • icon Yuran Tahunan
    Yuran Tahunan
    RM 100

Ciri Utama

  • Earn 1% cashback on all retail transactions up to RM1000
  • Earn 0.5% cashback on all retail transactions on subsequent spend above RM1000
  • 1% cashback up to RM1000

  • icon groceries Barangan Runcit

    • Pulangan tunai 1% hingga RM1000
    • Pulangan tunai 0.5% untuk perbelanjaan berikutnya melebihi RM1000

  • icon shopping Beli-Belah

    • Pulangan tunai 1% hingga RM1000
    • Pulangan tunai 0.5% untuk perbelanjaan berikutnya melebihi RM1000

  • icon travel Pelancongan

    • Pulangan tunai 1% hingga RM1000
    • Pulangan tunai 0.5% untuk perbelanjaan berikutnya melebihi RM1000

  • icon petrol Petrol

    • Pulangan tunai 1% hingga RM1000
    • Pulangan tunai 0.5% untuk perbelanjaan berikutnya melebihi RM1000

  • icon dining Makan

    • Pulangan tunai 1% hingga RM1000
    • Pulangan tunai 0.5% untuk perbelanjaan berikutnya melebihi RM1000

icon tag Other Features

  • Pindahan Baki: 0% setahun untuk tempoh 6 bulan; satu kali bayaran pendahuluan sebanyak 2% daripada jumlah pindahan yang dikenakan, 0% setahun untuk tempoh 12 bulan; bayaran pendahuluan sekali sebanyak 4% daripada jumlah pindahan yang dikenakan
  • Pelan Ansuran: Pelan Pembayaran Ansuran faedah 0% untuk semua peniaga yang mengambil bahagian

icon dining Card Information

Gaji Minimum Bulanan RM 3000
Min. age for principal holder 21
Fee for principal holder RM 100
Min. age for supplementary holder 18 tahun
Fee for supplementary holder RM50 Tahun pertama percuma
Late payment charge RM10 atau 1% dari baki tertunggak (mana-mana yang lebih tinggi), caj maksimum sehingga RM100
Cash advance amount RM5,000 sehari
Cash advance charge RM20 atau 5% dari jumlah pendahuluan tunai (mana-mana yang lebih tinggi) (Termasuk GST)
Cash advance interest charge 18% setahun dari jumlah pendahuluan tunai
Rewards points expiry Tiada

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Cashback Everywhere!

The OCBC 365 Mastercard gives you 1% cashback up to RM1000 on all retail transactions across groceries, travel, dining, shopping and dining. Cardholders are also entitled to a 0.5% cashback on subsequent spending above RM1000 across the fields as the above.

Other Features

This card has a 0% interest Installment Payment Plan at all participating merchants. 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.

Fees and Charges

The annual fee for this card is free for the first year, then RM100 annually for the principal holder and RM50 for the supplementary holder. 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 365 MasterCard?

To apply for OCBC 365 MasterCard, the minimum monthly income required is RM2000 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 Great Eastern MasterCard and OCBC MasterCard Silver, which may match your requirements.

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