OCBC Cashflo MasterCard credit card

OCBC Cashflo MasterCard

Manage your cash smarter with OCBC Cashflo. Enjoy annual fee waiver for first 3 years and let it converts your shopping expenses into a 0% installment plan.

  • 15% p.a. interest rate
  • 20 days interest-free period
  • up to 0.5% cashback
  • 2% p.a. balance transfer over 6 months
  • Easy Payment Plan (EPP)
  • RM188.00 annual fee

Apply online now for OCBC Cashflo MasterCard

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Because you should be rewarded for giving the bank your business

Earn 0.5% unlimited cash rebate on your total retail spending with OCBC Cashflo MasterCard, no minimum spending is required!
Discover how much you can save when you shop with your new OCBC Cashflo MasterCard
Cashback CategoryCashback RateMonthly CapSpend
All Retail Local and AbroadSpendany amount0.5%uncappedany amount
Balance Transfer
Consolidate all outstanding credit card balances into OCBC credit card to enjoy low interest rate and flexible terms with OCBC Balance Transfer.
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)
Convert a minimum of RM500 into a 0% Auto-IPP (Installment Payment Plan) to enjoy low and affordable monthly installment up to 12 months. But if you want a more flexible tenure, choose OCBC Easy Payment Plan that also offers 0% interest!
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
Travel the world with peace of mind. Just reach out to OCBC 24-hour concierge at 1800-80-6429 to take advantage of a personalized service that answers all your travel queries.

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RM20.00 or 5.00% of withdrawn amount, whichever is higher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 Cashflo MasterCard review

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

Manage your finance and cash flow efficiently with OCBC Cashflo MasterCard and enjoy great benefits all year long. Eligible for individuals earning from RM24,000 annually!

Annual Fee Waiver

OCBC Cashflo MasterCard is a rewarding cashback credit card that you can afford annually at RM188 for principal cardholder, whereas RM68 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 Cash Rebates

Why swiping OCBC Cashflo MasterCard is more rewarding than using up your cash? Because every Ringgit your charged to your OCBC Cashflo MasterCard, you earn 0.5% unlimited cash rebate.

Rebates are applicable for expenses made in Malaysia and overseas, from dining to entertainment to travel and insurance payments, there is no cap on the amount of cashback you can get!

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 Cashflo MasterCard as a primary payment tool and let your credit card does all your bill payment on time via auto debit.

Global Travel Assistance

Save your decision-making energy with the help of 24-hour concierge, who is on standby round-the-clock to answer all your travel queries, whether locally or overseas. Make restaurant reservations, book concert tickets and accommodation within your fingertips at 1800-80-6429.

0% Auto-IPP

So...you have purchased a big-ticket item but do not have enough cash to repay your credit card. What's more, the 20-day interest free period is almost running out! 

Don't fret as OCBC Cashflo MasterCard is equipped with a 0% Auto-IPP (Installment Payment Plan) with a minimum spending of RM500. You can select to repay your outstanding balance in 3, 6 or 12 month installments; the longer the tenure, the smaller the installment amount.

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