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  • Credit Card BYTES FROM OUR KITCHEN

    OCBC Credit Card

    OCBC is the most popular bank in Malaysia. It offers a comprehensive range of innovative banking products and financial solutions. OCBC Malaysia offers a home loan, overdraft facility, credit cards, insurance, etc. The credit cards offered by OCBC cater to different needs of the customers.

    Why Choose OCBC Credit Card?

    OCBC offers a wide range of credit cards that fit different needs of different customers. The interest rate offered is as low as 15% p.a. You can transfer the outstanding credit card balance from another credit card to OCBC Credit Card. There is no processing fee or handling fee charged for the balance transfers. You can also get free Priority Lounge Access with your OCBC Credit Card. You can get travel insurance coverage when you book your flight tickets with OCBC Credit Card. You can also convert your big ticket purchases to simple and flexible monthly installments.

    Benefits of OCBC Credit Cards

    The following are the various features and benefits of OCBC Credit Cards:

    • You can transfer the balance from another credit card to OCBC Credit Card online.
    • You get to enjoy up to 20 months interest-free shopping with Easy Payment Plan.
    • The retail purchases can be stretched to affordable repayments. There is no early exit fee charged. There is also no paperwork required. You can apply for Easy Payment Plan through online banking.
    • You can get cash with your OCBC Credit Card and repay it in monthly installments of up to 36 months. The cash is dispersed within 5 days upon approval. You get to choose the repayment period. You can apply for up to 80% of your available credit limit. The interest for cash above RM10,000 is 5.99% and for RM10,000 and below it is 5.99% interest per annum plus a 1.06% one-time cash advance fee. You can apply for it through online banking, offline banking, and phone.
    • You can convert multiple retail transactions to monthly repayments. The tenures offered are 12 months, 24 months, and 36 months. The effective interest rate charged is 14.66% p.a. The minimum amount that can be converted is RM1,000. You can apply for it by calling 03-8317-5000.
    • You can also opt for flexible balance transfer repayments.
    • You can make the most of the promotional offers that are made available from time to time.
    • You can earn Rewards Points when you purchase something with your OCBC Credit Card.
    • You can also earn cashback on the purchases.
    • The annual fee is waived for the first year.
    • You also get to enjoy privileges like concierge services, lounge access, golf privileges, etc.

    Types of Credit Cards offered by OCBC

    The following are the various types of credit cards offered by OCBC:

    1. OCBC Premier Voyage MasterCard:
      • With this card, you get the best of the world privileges. You get the freedom and flexibility of choice. The credit card is made of Duralumin. You can earn Voyage Miles, you get an introductory offer, Voyage Exchange, and other benefits. You will get 50% off when you purchase 2 airline tickets through Voyage Exchange.
      • You can earn 1 Voyage Miles for every RM5 spent. This card is issued only to Malaysian Residents. You can opt for the balance transfer, Call for Cash, Cash Plus, Installment Payment Plan, Cash Advances, Easy Payment Plan, and Cash on Card. You can leave your details on the bank website and the bank representative will get back to you.
    2. OCBC 365 MasterCard:
      • You can earn rebates all year long. There is no cap on the rebates you can earn. You get 1% rebate on your first monthly spend of RM1,000. On the subsequent RM1,000 spent, you will get 0.5% rebate. There is no annual fee charged for the first 3 years. You can earn rebates on retail spending for overseas and local transactions.
      • You get 20-day interest-free period on all retail transactions. You can automatically pay your utility bills with OCBC PayMaster. You get access to various privileges and promotions.
    3. OCBC Titanium MasterCard Blue or Pink:
      • This is an ideal card if you are travelling or using a credit card for online purchases. You can earn any number of rebates as there is no cap and there is also no minimum spend or swipe requirements. You can earn rebates 24x7 through everyday deals. There are no exclusions on the rebates either. The rebates are calculated on overseas and local retail spending transacted through recurring payment, auto-debit, installment payment plans, telephone order, internet payment, and mail.
      • You can earn 1% rebate on the online transactions and overseas spend. You can earn 0.1% rebate on all other retail spends. You can automatically pay your utility bills with OCBC PayMaster. You get 20-day interest-free period on all retail transactions. You are entitled to 24x7 concierge service that can be reached through 1800-80-6429.
    4. OCBC Great Eastern Platinum MasterCard:
      • With this card, you get a complimentary RM100,000 insurance coverage on death or total and permanent disability for the first year. If you want to get coverage for the following year, you will have to spend RM10,000 and above on retail.
      • You can enjoy 0% Auto Installment Payment Plan for 12 months for Great Eastern or Overseas Assurance Corporation for an insurance premium of RM2,200 and above through auto-debit. You get to enjoy various health and wellness rewards and privileges. You can automatically and conveniently pay your utility bills with OCBC PayMaster. You get 20-day interest-free period on all retail transactions. You are entitled to 24x7 concierge service that can be reached through 1800-80-6429.
    5. OCBC Cashflo MasterCard:
      • You can earn unlimited rebates with this credit card. There is no minimum spend or swipes required. You can earn rebates 24x7 with everyday deals. There are no exclusions on all retail spend. The rebates can be earned on retail local and overseas transactions.
      • The annual fee is waived for the first 3 years. You get 0.5% rebate on all retail spend. You can convert your purchases above RM500 to Auto Installment Payment Plan.
      • You can automatically and conveniently pay your utility bills with OCBC PayMaster. You are entitled to 24x7 concierge service that can be reached through 1800-80-6429. You get 20-day interest-free period on all retail transactions.
    6. OCBC World MasterCard:
      • You can earn cash rebates on local and overseas retail spend. There is no cap on the rebates or no minimum spend or swipes required.
      • The annual fee is waived for first 3 years. You get 1.2% rebate on a monthly spend of up to RM1,000. You get 0.6% rebate on subsequent spend above RM1,000. You get complimentary access to Plaza Premium Lounge. You also get free travel insurance coverage of up to RM2 million when you pay the airfare to this card.
      • You get 20-day interest-free period on all retail transactions. You can automatically and conveniently pay your utility bills with OCBC PayMaster. You are entitled to 24x7 concierge service that can be reached through 1800-80-6429.
    7. OCBC MasterCard (Blue/Pink):
      • This card offers rebates 7 days a week. There is no maximum spend criteria to be met or no minimum swipes. There is no cap on the rebates that can be earned. You can earn rewards on purchases, entertainment, dining, insurance, and travelling expenses. The rebates are automatically credited to your account. You get 1% rebate on online transactions and overseas spend. On other spends, you will get 0.1% rebate.
      • You get 20-day interest-free period. You can opt for OCBC PayMaster to pay your utility bills automatically.
    8. OCBC MasterCard (Silver):
      • This card offers rebates 7 days a week. There is no maximum spend criteria to be met or no minimum swipes. There is also no cap on the rebates that can be earned. You can earn rewards on purchases, entertainment, dining, insurance, and travelling expenses. The rebates are automatically credited to your account.
      • If you have spent more than RM500, you can opt for Installment Payment Plan for a period of 3 or 6 months. You get 20-day interest-free period. You can opt for OCBC PayMaster to pay your utility bills automatically.
    9. OCBC Gold Visa:
      • You get 0.2% rebate on the retail spend with this card. The rebates are automatically credited to your card account. You get 20-day interest-free period on retail purchases. You can pay your utility bills with ease with OCBC PayMaster.
      • When you get an OCBC Card and swipe it 3 times within 45 days from the date of approval, you will get a laptop backpack. If your balance transfer is approved and is maintained for 3-months, then you will get a 28-inches Luggage Bag.

    Eligibility Criteria to avail OCBC Credit Card

    If you wish to get an OCBC Credit Card, you must meet the following eligibility requirements:

    • The minimum age required to get a principal credit card is 21 years.
    • The minimum age required to get a supplementary credit card is 18 years.
    • The minimum annual requirement will be as follows:
      • OCBC Premier Voyage MasterCard – Must call the bank.
      • OCBC 365 MasterCard - RM24,000
      • OCBC Great Eastern Platinum MasterCard - RM24,000
      • OCBC Cashflo MasterCard - RM24,000
      • OCBC Titanium MasterCard - RM24,000
      • OCBC World MasterCard - RM100,000
      • OCBC MasterCard (Blue/Pink) – RM24,000
      • OCBC MasterCard (Silver) – RM24,000
      • OCBC Gold Visa – RM24,000

    Documents Requirements to apply for OCBC Credit Cards

    You are required to submit the following documents along with the duly filled application form:

    • Salaried applicant:
      • Latest 1 years’ EPF statement.
      • A copy of MyKad.
    • Self-employed applicant:
      • Latest 3 months’ bank statement.
      • A copy of MyKad.
      • Form B/E filing with the tax receipt.

    OCBC Credit Card Promotion

    You will get to enjoy the following promotions with OCBC Credit Cards:

    • You will get 15% off on the total buffet dining at Corus Hotel, Kuala Lumpur. This is an ongoing offer that is valid until 31 December 2017. The discount is applicable to food in buffet dining only.
    • You will get 20% off on the total a la carte food menu at Corus Hotel, Kuala Lumpur. This is an ongoing offer that is valid until 31 December 2017. The discount is applicable to food in a la carte only.
    • You will get 15% off on the food items in the a la carte menu at Eastern & Oriental Hotel. This is an ongoing offer that is valid until 31 December 2017. This promotion is valid on a la carte only.
    • You get to enjoy up to 10% off on your purchases at Lewre Bespoke, Gardens Mall. This is an ongoing offer that is valid until 31 December 2017. This discount is not valid with Lewre Bespoke membership privileges.
    • You get a complimentary BP Transcutaneous Electrical Nerve Stimulation Portable Electronic Pulse Massager at BP Healthcare. This is an ongoing offer that is valid until 31 March 2018.
    • You get Cardiac Screening Package at RM850 at BP Healthcare. This is an ongoing offer that is valid until 31 March 2018.
    • You get 5% off on dental services at BP Healthcare. This is an ongoing offer that is valid until 31 March 2018.
    • You get special rates on screening packages at Lifecare Diagnostics. This is an ongoing offer that is valid until 30 May 2018.
    • You get 10% off on Nutridos at Lovy Pharmacy. This is an ongoing offer that is valid until 31 March 2018.
    • You get 40% off on the room rates at Corus Hotel, Kuala Lumpur. This offer is valid until 31 December 2017.
    • You get 5% off on the best available room rates at Eastern & Oriental Hotel. This offer is valid until 31 December 2017

    OCBC Balance Transfer

    The balance from another credit card can be transferred to OCBC Credit Card with just one click. You can transfer a minimum of RM1,000 from the outstanding balance. You can save up to 60% in interest. There is no handling charges or processing fee charged. There is also no penalty charged for an early exit. The monthly installments are fixed for the duration of the tenure. You can transfer up to 80% of your total available credit line. The maximum tenure available for a balance transfer is 12 months.

    You can apply for balance transfer through:

    • Online banking.
    • Fax – You can download the form and fax the completed form to 03-8688-9604.

    The preferential interest rate is 6% p.a. flat. The effective interest rate is 10.90% p.a. Supplementary cardholders are not eligible for this programme.

    Fees and Charges

    The following are the fees and charges applicable to the credit cards:

    Annual fees – Principal cards

    OCBC Premier Voyage MasterCard – RM800

    OCBC 365 MasterCard – RM106

    OCBC Titanium MasterCard Blue or Pink – No fee

    OCBC Great Eastern Platinum MasterCard – No fee

    OCBC Cashflo MasterCard – RM199.28

    OCBC World MasterCard – RM411.28

    OCBC MasterCard (Blue/Pink) – No fee

    OCBC MasterCard (Silver) – RM103.88

    OCBC Gold Visa – RM40.28

    Annual fees – Supplementary cards

    OCBC Premier Voyage MasterCard – RM630

    OCBC 365 MasterCard – RM53

    OCBC Titanium MasterCard Blue or Pink – No fee

    OCBC Great Eastern Platinum MasterCard – No fee

    OCBC Cashflo MasterCard – RM72.08

    OCBC World MasterCard – RM199.28

    OCBC MasterCard (Blue/Pink) – No fee

    OCBC MasterCard (Silver) – RM53

    OCBC Gold Visa – RM29.68

    Joining fee None
    Finance charge on retail transactions 15% p.a. – 18% p.a.
    Finance charge on cash advance 18% p.a.
    Cash advance fee RM21.20 or 5.30% of the amount advanced, whichever is higher.
    iQ Account Sweep from Line of Credit 5.30% of sweep amount.
    Late payment charge RM10 or 1% of the amount due, whichever is higher.
    Minimum monthly repayment RM50 or 5% of the outstanding balance, whichever is higher.
    Interest-free period 20 days
    Statement retrieval fee Up to 2 months – no charge Above 3 month – RM5.30 per statement
    Sales draft retrieval fee

    Original – RM15.90 per copy

    Duplicate – RM10.60

    Card replacement fee

    RM50

    OCBC 365 MasterCard – RM35

    OCBC Premier Voyage – RM500

    Overlimit fee No charge.
    Returned cheque fee No charge.
    Conversion for overseas transaction Visa or MasterCard charges plus 1.25% administration fee.

    How to apply for an OCBC Credit Card?

    You can apply for an OCBC Credit Card through the following ways:

    • Online: You can download the application form online and submit it through the mail. You can also submit the application form along with the required documents at the nearest OCBC Bank Branch.
    • Branch: You can visit the closest OCBC Bank Branch and apply for the credit card. You can meet with the Bank Representative who will guide you through the process of application.
    • You can also drop in the contact details online and the bank representative will give you a callback.

    How to increase OCBC Credit Card limit?

    If your salary has increased, you can apply for a credit limit increase as well. You can either temporarily increase the limit or permanently increase the credit limit.

    You will find the application form online. You will have to mention your card details and submit your salary documents. You will be required to mention your NRIC, employment details, and declaration on monthly non-bank commitments.

    You will have to provide one of the following documents along with the application form:

    • Salaries applicant:
      • Work Permit and Notice of Assessment for Malaysians working in Singapore.
      • Latest EPF statement.
      • Latest 1-month salary slip.
    • Self-employed applicant:
      • Proof of PCB deduction.
      • Latest 3 months’ bank statement.
      • Form B/E filing with the tax receipt.

    OCBC Credit Card Customer Care / Hotline Number

    • The hotline number for OCBC Credit Cards are 03-8317-500, 03-8314-9310, and 03-8315-4288.
    • The mailing address is OCBC Bank Head Office, Menara OCBC, No.18 Jalan Tun Perak, Kuala Lumpur – 50050.

    OCBC Credit Card FAQs

    Q. Can I use the OCBC Credit Card to make cash withdrawals overseas?

    A. Yes, you can use your OCBC Credit Card to make cash withdrawals overseas.

    Q. On what purchases can I earn Rewards Points?

    A. You can earn Rewards Points on retail purchases, offline shopping, travel booking, fuel purchases, online shopping, etc.

    Q. How many days are interest-free for the retail purchases?

    A. You get 20-day interest-free period.

    Q. What is the minimum amount I can transfer to monthly installments?

    A. The minimum amount that can be transferred to monthly installments is RM1,000.

    Q. What is the minimum income required to open an OCBC Credit Card?

    A. The minimum income required to open an OCBC Credit Card is RM24,000.

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