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OCBC Kad World MasterCard

  • icon Gaji Minimum Bulanan
    Gaji Minimum Bulanan
    RM 8333
  • icon Kadar Faedah
    Kadar Faedah
    18% p.a.
  • icon Pulangan Tunai
    Pulangan Tunai
    Sehingga 1.2%
  • icon Yuran Tahunan
    Yuran Tahunan
    Percuma

Ciri Utama

  • 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

    • Pulangan tunai 1.2% setiap bulan untuk perbelanjaan sehingga RM1,000
    • Pulangan tunai 0.6% setiap bulan untuk perbelanjaan berikutnya melebihi RM1,000
  • icon dining Makan

    • Pulangan tunai 1.2% setiap bulan untuk perbelanjaan sehingga RM1,000
    • Pulangan tunai 0.6% setiap bulan untuk perbelanjaan berikutnya melebihi RM1,000
  • icon entertainment Hiburan

    • Pulangan tunai 1.2% setiap bulan untuk perbelanjaan sehingga RM1,000
    • Pulangan tunai 0.6% setiap bulan untuk perbelanjaan berikutnya melebihi RM1,000
  • icon groceries Barangan Runcit

    • Pulangan tunai 1.2% setiap bulan untuk perbelanjaan sehingga RM1,000
    • Pulangan tunai 0.6% setiap bulan untuk perbelanjaan berikutnya melebihi RM1,000
  • icon shopping Beli-Belah

    • Pulangan tunai 1.2% setiap bulan untuk perbelanjaan sehingga RM1,000
    • Pulangan tunai 0.6% setiap bulan untuk perbelanjaan berikutnya melebihi RM1,000

icon tag Other Features

  • 2 x akses percuma ke KLIA Plaza Premium Lounge untuk pemegang kad setiap tahun:
  • Pelan Perlindungan: Perlindungan Insurans Kemalangan Diri dengan perlindungan sehingga RM2, 000, 000
  • 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
  • Had Cashback: Rebat tunai 1.2% untuk perbelanjaan RM1,000 pertama, rebat tunai 0.6% untuk perbelanjaan berikutnya

icon shopping Card Information

Yuran Tahunan Dikecualikan untuk 3 tahun pertama, seterusnya dikenakan RM388
Gaji Minimum Bulanan RM 8333
Min. age for principal holder 21
Fee for principal holder Percuma
Min. age for supplementary holder 18 dan ke atas tahun
Fee for supplementary holder RM188
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)
Cash advance interest charge 18% setahun dari jumlah pendahuluan tunai
Rewards points expiry Tiada

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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](https://www.imoney.my/credit-card/ocbc/titanium-mastercard "Apply for OCBC Titanium MasterCard") and [UOB PRVI Miles Card](https://www.imoney.my/credit-card/uob/prvi-miles "Apply for UOB PRVI Miles Card"), which may match your requirements.

If you prefer to broaden your credit card search, review more [OCBC credit cards](https://www.imoney.my/credit-card/ocbc "OCBC Credit Cards in Malaysia") and start comparing today!