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  • Credit Card BYTES FROM OUR KITCHEN

    OCBC Credit Card

    OCBC Bank offers a range of credit cards, which offer many privileges. You can use these cards for dining, shopping, travel, paying bills, and for other purposes. Read further to learn more about each card.

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    Features and Benefits

    • There is no cap on the cash rebates earned on cashback cards from OCBC.
    • Get round-the-clock concierge services with most of the cards.
    • Get 0% interest for a period of 20 days from the billing date on all retail transactions.
    • Use the 0% instalment facility to buy products from participating merchants.
    • Use the OCBC PayMaster facility to pay your bills without any hassle.
    • Convert your retail purchases into convenient monthly instalments using the Auto-IPP facility.
    • Get complimentary travel insurance with the travel credit cards.
    • Enjoy airport lounge access with the travel credit cards.
    • Get monthly statements of your credit card transactions.

    List of OCBC Credit Cards

    Card Name Ideal For Key Benefit Annual Fee Annual Income Requirement
    OCBC Premier Voyage Mastercard For travelling and local and overseas spends. Earn 1 Voyage Mile for every RM 5 spent locally and for every RM 3 spent overseas. RM754.72. -
    OCBC World Mastercard For travelling, dining, entertainment and local and overseas spends. Earn 1.2% cashback when you spend up to RM1,000 on retail purchases every month and earn 0.6% cashback for all spends over RM1,000. RM388. RM100,000 p.a.
    OCBC Great Eastern Platinum Mastercard For insurance and bill payments. Get complimentary RM100,000 insurance coverage for the first year. No annual fee. RM24,000 p.a.
    OCBC Titanium Mastercard Blue For online shopping and overseas shopping. Earn 1% cashback on online purchases and overseas transactions and 0.1% cashback on all other retail spends. No annual fee. RM24,000 p.a.
    OCBC Titanium Mastercard Pink
    OCBC Cashflo Mastercard For local and overseas spends. Earn 0.5% cashback on local and overseas retail spends. RM188. RM24,000 p.a.
    OCBC Mastercard Blue For online shopping and overseas shopping. Earn 1% cashback on online purchases and overseas transactions and 0.1% cashback on all other retail spends. No annual fee. RM24,000 p.a.
    OCBC Mastercard Pink
    OCBC 365 Mastercard For local and overseas spends. Earn 1% cashback when you spend up to RM1,000 on retail purchases every month and earn 0.5% cashback for all spends over RM1,000. RM100. RM24,000 p.a.
    OCBC Gold Visa For local and overseas spends. Earn 0.2% cashback on local and overseas retail transactions (except petrol). RM38. RM24,000 p.a.

    Note: The finance charges for all the cards are from 15% to 18% p.a. depending on the payment history.

    Best OCBC Credit Cards

    OCBC Titanium Mastercard (Blue/Pink): Best for Cashback

    • Earn 1% cashback on online purchases and overseas transactions.
    • Earn 0.1% cashback on all other retail spends (including petrol).
    • There is no cap on the cash rebates.
    • You can either opt for the blue or the pink design.
    • The minimum income requirement for this card is just RM24,000 p.a.
    • The card is free for life.

    OCBC Premier Voyage Mastercard: Best for Travel

    • Earn 1 Voyage Mile for every RM 5 spent locally.
    • Earn 1 Voyage Mile for every RM 3 spent overseas.
    • Redeem the Voyage Miles on any airline of your choice.
    • The accumulated Voyage Miles don't expire.
    • There are no blackout dates when you make a booking using this card.
    • You can fly to any destination at any time when you book flights using this card.
    • Get complimentary travel insurance up to USD1 million when you pay the full airfare using your card.
    • Enjoy 4x complimentary access to the Flight Club at KLIA per calendar.
    • Enjoy round-the-clock concierge services throughout the year. The concierge services include reservations, itinerary planning and personal assistance, such as personal shopper assistance and flower delivery.
    • The annual fee is waived for this card for the first year.
    • The card is made of duralumin.

    Rewards Programme

    • Voyage Miles: Voyage Miles are given to OCBC Premier Voyage Mastercard members. New cardmembers and Anniversary cardmembers are given 16,000 Voyage Miles when they fulfil certain conditions. You can redeem your Voyage Miles on any airline of your choice or to offset the card's annual fees.
    • Cash Rebate Programme: Get cash rebates when you use any OCBC credit cards, except OCBC Premier Voyage Mastercard, for retail transactions. There is no capping on earning rebates.

    OCBC Credit Card Promotions

    • Enjoy 15% off a la carte menu at The Marmalade Pantry in Singapore. The promotion is valid until 31 December 2018. The offer is not valid on special occasions and on public holidays. The offer cannot be clubbed with other promotions, vouchers, or discounts.
    • Enjoy 15% off a la carte menu at The Pelican in Singapore. This is an ongoing promotion, which is valid until 31 December 2018. The offer is not valid on public holidays or on any special occasions. The offer cannot be clubbed with other promotions, vouchers, or discounts.

    Payment Plans Offered by OCBC Bank

    • OCBC Easy Payment Plan: Using this plan, you can make retail purchases at 0% interest for up to 20 months. The minimum one-time handling fee starts at just 2%. You won’t be charged any early exit penalties. Also, the application process is hassle-free.
    • OCBC Balance Transfer: If you have any outstanding balance on another bank's credit card, transfer it to your OCBC credit card using the balance transfer facility. This facility not only helps you track your repayments, but will help you save up to 60% in interest charges You can transfer up to 80% of the available credit limit. Moreover, you won't be charged any processing fees, handling charges or early exit penalty charges.
    • OCBC Call-for-Cash: Get instant cash when you need it and repay the amount in monthly fixed instalments. You will receive the cash within 5 working days after approval and can withdraw up to 80% of your card’s maximum assigned credit limit. The maximum available tenure with this scheme is 36 months.
    • OCBC Balance Conversion: Convert your retail purchases into convenient monthly repayments at just 7.99% p.a. The maximum balance conversion amount is RM1,000 and the maximum available tenure with this scheme is 36 months.
    • Flexi Balance Transfer: Use this facility to make flexible repayments. You will get a low-interest rate of only 0.67% per month with this scheme. Also, there are no processing fees, early settlement fees and upfront fees. The minimum transfer amount is only RM1,000.

    Balance Transfer Plans

    Repayment Tenure Rate of Interest Minimum Transfer Amount Maximum Transfer Amount
    6 Months 1.88% p.a. RM1,000 80% of your total available credit limit.
    12 Months 3.88% p.a. RM1,000 80% of your total available credit limit.

    Insurance Plans

    • Travel Insurance: Get complimentary travel insurance cover when you pay the full airfare using your OCBC Premier Voyage Mastercard.
    • Group Yearly Renewable Term Assurance: If you opt for OCBC Great Eastern Platinum MasterCard, you will get insurance coverage up to RM100,000 for the first year. It covers death and total and permanent disability. You can renew the coverage if you spend RM10,000 or more with your card.

    Eligibility Criteria

    Age requirement

    • Principal cardholder: 21 years and above.
    • Supplementary cardholder: 18 years and above.

    Income Requirement

    OCBC World Mastercard RM100,000 p.a.
    OCBC Great Eastern Platinum Mastercard RM24,000 p.a.
    OCBC Titanium Mastercard (Blue/Pink) RM24,000 p.a.
    OCBC Cashflo Mastercard RM24,000 p.a.
    OCBC Mastercard (Blue/Pink) RM24,000 p.a.
    OCBC 365 Mastercard RM24,000 p.a.
    OCBC Gold Visa RM24,000 p.a.

    Other criteria

    • For OCBC Great Eastern Platinum Mastercard: Must be a GE Policyholder.

    Documents Required

    If you are a salary earning individual

    • 1 copy of MyKad (both front and back).
    • Latest 1 year’s EPF statement from over-the-counter or e-kiosk certified by EPF Office.

    If you are a self-employed individual:

    • 1 copy of MyKad (both front and back).
    • Form B/E filing with a validated tax receipt and proof of PCB deduction, if any.
    • Bank statements (latest 3 months).

    Fees and Charges

    Fees Charges
    Annual Fee (Principal Card) OCBC Premier Voyage Mastercard: RM754.72 (Waived for the first year)*.
    OCBC World Mastercard: RM388 (Waived for the first 3 years)*.
    OCBC Great Eastern Platinum Mastercard: No annual fee.
    OCBC Titanium Mastercard (Blue/Pink): No annual fee.
    OCBC Cashflo Mastercard: RM188 (Waived for the first 3 years)*.
    OCBC Mastercard (Blue/Pink): No annual fee.
    OCBC 365 Mastercard: RM100 (Waived for the first 3 years)*.
    OCBC Gold Visa: RM38 (Waived for the first year).
    Annual Fee (Supplementary Card) OCBC Premier Voyage Mastercard: RM500 (Waived for the first year)*.
    OCBC World Mastercard: RM188 (Waived for the first 3 years)*.
    OCBC Great Eastern Platinum Mastercard: No annual fee.
    OCBC Titanium Mastercard (Blue/Pink): No annual fee.
    OCBC Cashflo Mastercard: RM68 (Waived for the first 3 years)*.
    OCBC Mastercard (Blue/Pink): No annual fee.
    OCBC 365 Mastercard: RM50 (Waived for the first 3 years)*.
    OCBC Gold Visa: RM28 (Waived for the first year).
    Retail Interest Rate 15 to 18% p.a. depending on the payment history.
    Cash Advance Interest Rate 18% p.a.
    Cash Advance Fee A minimum of RM20 or 5% of the advanced amount, whichever is higher.
    Minimum Monthly Repayment A minimum of RM50 or 5% of the outstanding balance, whichever is higher.
    Late Payment Charges 1% late payment fee (only for cash advance or retail purchases) or RM10, whichever is higher, subject to a maximum of RM100.
    Overseas Transaction Fee The conversion rates are determined by Visa International and Mastercard International. An administration cost of 1.25% and any transaction fee charged by Visa International and Mastercard International will also be charged. The administration cost is not applicable to the following cards:
    • OCBC Premier Voyage Mastercard
    • OCBC Mastercard (Blue/Pink)
    • OCBC 365 Mastercard.

    *Note: The fee waiver is only applicable to first-time OCBC Credit Card customers and customers who do not hold any OCBC Credit Card in the past 12 months.

    Activating or Cancelling Your Card

    You can activate your new OCBC credit card by following any of the following ways:

    • Go to the OCBC Bank’s online banking page.
    • Log in to your account.
    • Under the ‘Customer service’ tab, click on ‘Activate Credit Card.
    • Add your credit card's expiry date. Click 'Next'. Your card will be activated.
    • Create your ‘PIN’ by clicking on 'PIN Selection' under the 'Customer Service' tab
    • Select your card.
    • Select your card number.
    • Type in your new PIN.
    • Confirm the PIN. You will receive a one-time password.
    • Enter the one-time password.
    • Your PIN number will change and you can start using your card

    To deactivate your OCBC credit card, go to the nearest OCBC Bank branch and express your interest to deactivate the card.

    Credit Card Statements

    You can receive your credit card statements on your registered e-mail address and/or via online banking. Follow the below steps to apply for e-Statements:

    • Log in to online baking with your login ID and password.
    • Under the 'Your Accounts' drop-down, select 'Manage e-Statements'.
    • You can opt e-Statements via 'Online Banking' or 'Online Banking and Email'.
    • Choose your preferred option.
    • Sign-up for e-Statement by checking the boxes.

    The e-Statements come with a password. If you change your password, you can use the new password to access the credit card statements after the password change. The old password will still be applicable to access previous credit card statements.

    You can also opt for paper statements. Follow the steps given to revert to paper statements.

    • Log in to online baking with your login ID and password.
    • Under the 'Your Accounts' drop-down, select 'Manage e-Statements'.
    • Un-check the boxes for the account.
    • You will receive paper statements hereafter.

    Security Features

    • Lost or stolen card: You can report a lost or stolen card to the bank. The bank will immediately block your card. To report a lost card, call 03 8317 5000.
    • Card replacement: The bank also offers replacement cards if you have lost or misplaced your card. You can request a new card in the following ways by visiting the nearest branch or via online banking. The following fees will be charged as card replacement:
      • For OCBC 365 MasterCard: RM35
      • For OCBC Premier Voyage Mastercard: RM500
      • For OCBC MasterCard (Blue/Pink): No charges
      • For all other cards: RM50 per card.
    • SMS transaction alerts: If you want SMS alerts to monitor your transactions, you need to fill in an application form and submit it to the bank. Follow the below steps to activate SMS.
      • Visit the OCBC Bank’s official website.
      • Click on ‘Cards’.
      • Under ‘Cards’ section, click on ‘View all card services’
      • Click on 'SMS transaction alerts'.
      • Fill in the form provided.
      • Submit the filled form to the nearest OCBC Bank branch.

    Lost Card Liability

    In case your card is lost or stolen, you will be responsible for all the transactions made on the card until you report it to the bank. In order to block any fraudulent transactions made on the card, you must report a lost or stolen card as soon as possible.

    Call the bank’s contact centre for assistance to block your card. This also applies if you have lost or misplaced your card overseas. The contact number is 03 8317 5000.

    How Do You Increase/Decrease the Credit Limit?

    You can increase or decrease the maximum credit limit assigned to your card by contacting the bank's contact centre on 03 8317 5000.

    Earn many privileges when you shop using your OCBC Credit card. All the credit cards come with unique features and benefits and can be used for your day-to-day needs.

    Frequently Asked Question’s

    Q. How do I check the available credit limit and credit card balance?

    A. You can check the available credit limit and credit card balance in the following ways:

    • Via phone banking
      • Dial 03 8317 5000.
      • Select your preferred language.
      • Press ‘1’ (for account information, fund transfer, and other account-related services).
      • Enter your phone code followed by the PIN.
      • Press 1 for ‘Account and Credit Card Balance’.
      • Check the available credit limit/credit card balance.
    • Via online banking
      • Log in to online banking.
      • Enter your login ID, password, and one-time password.
      • Select the credit card.
      • Check the available credit limit/credit card balance.

    Q. How can I view my credit card's unbilled transactions?

    A. Follow the below steps to view your credit card's unbilled transactions:

    • Log in to online banking.
    • Enter your login ID, password, and one-time password.
    • Select the credit card.
    • Click on ‘unbilled transactions’.

    Q. How do I view my previous credit card statements?

     A. Follow the below steps to view your previous credit card statements.

    • Log in to online banking.
    • Under the ‘My Account’ tab, click on ‘Credit Card’.
    • Under ‘Credit Card’, click on ‘Monthly Statement’
    • Select the card number.
    • Select the month.
    • View the monthly statement.

    Q. What are the payment options available on the card?

    A. The following are the payment options available:

    • OCBC PayMaster service: This is an automatic payment service. To enrol for the OCBC PayMaster service, follow the below steps:
      • Visit the OCBC Bank’s official website.
      • Click on ‘Cards’.
      • Under ‘Cards’, click on ‘View all card services’
      • Click on 'OCBC PayMaster service'.
      • Fill the form provided.
      • Submit the filled form to the nearest OCBC Bank branch.
    • Easi-Pay service for Great Eastern Life Assurance (Malaysia) Berhad: If you are opting for the OCBC Great Eastern Platinum MasterCard, you can use this facility for automatic payment. Follow the below steps to apply for the service:
      • Visit the OCBC Bank’s official website.
      • Click on ‘Cards’.
      • Under ‘Cards’, click on ‘View all card services’
      • Click on ‘Easi-Pay service for Great Eastern Life Assurance (Malaysia) Berhad’.
      • Fill the form provided.
      • Submit the filled form to the nearest OCBC Bank branch.
    • Visa Checkout: Use this facility when you shop online using your OCBC Gold Visa card. Below are the steps to activate Visa Checkout on your Visa card.
      • Log in to Visa Checkout.
      • Create a username and password.
      • Enter your OCBC Visa credit card details.

    Q. How do I monitor the limit for supplementary cards?

    A. To monitor the limit for supplementary cards, follow the below steps:

    • Visit the OCBC Bank’s official website.
    • Click on ‘Cards’.
    • Under ‘Cards’, click on ‘View all card services’.
    • Click on ‘Monitor limit for supplementary cards’.
    • Fill in the application form provided.
    • Submit the filled form to the nearest OCBC Bank branch.
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