OCBC MasterCard Blue credit card

OCBC MasterCard Blue

Feel the steely confidence of the OCBC Mastercard Blue. Uncapped up to 1% cash rebate on all your retail spending and an annual fee that's waived for life.

  • 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)
  • RM0.00 annual fee

Apply online now for OCBC MasterCard Blue

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Because you should be rewarded for giving the bank your business

Receive unlimited 1% cashback everyday for all your online transaction and overseas spending. Also, the cash rebate on all other retail spending is 0.1%. Amount will be credited into your card account every month.
Discover how much you can save when you shop with your new OCBC MasterCard Blue
Cashback CategoryCashback RateMonthly CapSpend
All online and overseas spendingSpendany amount1%uncappedany amount
All other retail spendingSpendany amount0.1%uncappedany amount
Balance Transfer
Stop wasting your hard-earned cash on interest payments! Transfer your credit card debts to your OCBC credit card at a low 2%. Your outstanding balance needs to be at least RM1000.
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)
Own what you want, when you want! Enjoy upfront interest as low as 2.12% with OCBC Easy Payment Instalment Plan. Split your repayments over 5, 10, or 20 months. Just call OCBC within 15 days of purchase!
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 life
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RM20.00 or 5.00% of withdrawn amount, whichever is higher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 MasterCard Blue review

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

A great entry level credit card, suitable for young working professionals to start taking advantage of a credit line. Enjoy a range of benefits in Malaysia, Singapore, and Indonesia. 

Unlimited Cashback

The OCBC MasterCard is a great credit card to start saving little by little on all your retail spending. Whether it's payments made online or overseas, you are entitled to get 1% cash rebate. 

For all the other retail spending, the cash rebate is 0.1%. Other transactions include auto debit, internet purchases, instalment payment plans, and mail/telephone order.

But what does it mean for unlimited cashback? It means that for all days of the week, you can spend any amount at all, yes, any amount and receive a rebate on your spending. 

Your cash rebate will be credited back into your account, and will be reflected in your monthly account statement - take a look!

Easy To Apply

This credit card is a classic MasterCard, made for people who wish to start building their credit line. You will need to be at least 21 years old and earn an income of only RM24,000 per year to be eligible to apply for a principal card, or 18 years old to have a supplementary card. 

That's RM2000 a month - even a fresh graduate can apply for one. There will be no annual fee for as long as you own the credit card, making it even cheaper to own one. Less fees, move savings.

Great Financial Manager

With OCBC, you will never have to take time off work to go pay your bills and make payments at the bank branch. The OCBC PayMaster is an auto debit system, giving you the convenience of having all your monthly service and utility bills paid directly via your OCBC MasterCard.

When you make a retail purchase either for a brand new laptop or sound system, you will enjoy a 20-day interest free payment period. Additionally, spend at participating outlets with easy instalment plans at 0% interest.

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