OCBC 365 MasterCard credit card

OCBC 365 MasterCard

No-one likes to be restricted! Earn unlimited cashback all year long, enjoy hassle-free auto bill payments, and zero annual fee for the three years.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 1% cashback
  • 2% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM100.00 annual fee

Apply online now for OCBC 365 MasterCard

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Because you should be rewarded for giving the bank your business

Save money on all your purchases! Earn 1% unlimited cashback on the first RM1,000 you spend every month, and 0.5% for anything beyond that amount. Be rewarded when you spend on dining, entertainment, insurance, and even when paying for travel tickets.
Discover how much you can save when you shop with your new OCBC 365 MasterCard
Cashback CategoryCashback RateMonthly CapSpend
All Retail ExpensesSpendfrom RM1 up to RM1000 monthly1%RM10from RM1 up to RM1000 monthly
All Retail ExpensesSpendfrom RM1001 and above monthly0.5%uncappedfrom RM1001 and above monthly
Balance Transfer
With OCBC Balance Transfer plan, you can free up your monthly expenses and save on your credit card bill payment because it offers a very low rate for up to 12 months. The minimum transfer amount is RM1,000.
Pay OverWith Interest Rate AtWhen You Transfer
6 months2% p.a. and no one-time upfront handling feefrom RM1000 
12 months4% p.a. and no one-time upfront handling feefrom RM1000 
Learn more about OCBC Balance Transfer
Easy Payment Plan (EPP)
Absolutely have to get that new laptop or smartphone? Take advantage of low interest instalments as low as 2% for up to 20 months. You'll only need to pay a one time upfront fee with no penalty or early settlement charges.
Pay OverWith Interest Rate AtWhen You Spend
5 months4% one-time upfront handling feefrom RM1000 
10 months6% one-time upfront handling feefrom RM1000 
20 months7% one-time upfront handling feefrom RM1000 
Learn more about OCBC Easy Payment Plan

Fees & Charges

There are always fees but how much are they?

Annual Fee
  • Free for first 3 years
Annual Fee for Supplementary Card
Sales and Service Tax
RM25 on each principal and supplementary card upon approval and anniversary date
Minimum monthly payment
RM50 or 5% of outstanding amount
Late payment fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal fee
RM20.00 or 5.00% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals


Are you eligible for this credit card?

Minimum annual income
Minimum age for primary card holder
21 years old
Minimum age for supplementary card holder
18 years old
Who can Apply


Get some extra help from your credit card when you need it most

Easy Payment Plan
OCBC Easy Payment Plan
Easy payment plans (EPP) are great for large purchases that you want to pay off over a period of time.
Cash Advance / Cash Loan
OCBC Call For Cash
Cash Advance is a loan against the credit limit of your card at a reasonable rate.
Balance Transfer
OCBC Balance Transfer
Balance transfer allows you to consolidate debt from your other credit cards onto this card.

OCBC 365 MasterCard review

What's so good (or not so good) about it?

Enjoy 20-day interest free purchase, annual fee waiver and unlimited cashback with OCBC 365 MasterCard.

Annual Fee Waiver

OCBC 365 MasterCard is a rewarding cashback credit card that you can afford annually at RM100 for principal cardholder, whereas RM50 for supplementary cardholder. 

If you are a new customer to OCBC, or existing OCBC customer but do not own OCBC credit card in the past 12 month, you are waived from paying annual fee for the first 3 years. However, you are subjected to pay RM25 SST upon credit card approval and anniversary date.

Unlimited Cashback

OCBC 365 MasterCard offers you two words: UNLIMITED CASHBACK! For the first RM1,000 you spend every month, you earn 1% cashback. Another 0.5% cashback will be credited to you for purchase from RM1,001 onwards. 

These rates are applicable to both local and overseas retail transactions, such as auto debit / recurring payment, e-Commerce and online purchases, instalment payment plan, and mail / telephone order. 

Auto Bill Payment

Simplify all your service and utility bill payments via OCBC PayMaster for more convenience. All you have to do is register your OCBC 365 MasterCard as a primary payment tool and let your credit card does all your bill payment on time via auto debit.

Low Exchange Rate Fees

Swiping your OCBC credit card overseas would usually entail paying an extra administration fee of 1.25% when converting Ringgit to a foreign currency. 

But with the OCBC 365 MasterCard, you will be exempted from this fee, which can rack up to a significant amount if you're planning on a massive shopping spree abroad.

Flexible Line of Credits

Spending your heart content on credit can be detrimental to your finances, if you don't keep them in check. That's why OCBC credit card offers you a line up of flexible credit lines such as:

  • OCBC Easy Payment Plan
  • OCBC Call For Cash
  • OCBC Balance Transfer

Read More