OCBC Cashflo MasterCard


Age: 21 and above

Annual Income: At least RM24,000 per annum

Annual Fees*

No annual fee for the first 3 years**

Principal card: RM188 per annum

Supplementary card: RM68 per annum

**Only applicable to first time OCBC Credit Card customers and customers who do not holds any OCBC Credit Card in the past 12 months.

OCBC Cashflo MasterCard Features

No cap on rebates

Get rewarded for your retail purchases, from dining to entertainment, from travelling expenses to insurance, and so much more.

0.5% rebate on all retail spend

Earn 0.5% rebate on all retail spend when you use your OCBC Cashflo MasterCard. Rebates are automatically credited into your card account, and will be reflected in your monthly statement.

Hassle-free Auto-IPP (Instalment Payment Plan)

Remember, it's automatic. So all you need to do is spend more than RM500 with your OCBC Cashflo MasterCard
and we will split that payment into several months for you.

• 3 months’ Auto-IPP for retail transaction from RM500 to RM1,000
• 6 months’ Auto-IPP for retail transactions above RM1,000
• 12 months, 0% Auto – IPP for Great Eastern Life/Great Eastern General Insurance with premium of RM2,200 and above

Here's a simple example of how the 0% Auto-IPP (Instalment Payment Plan) works.

Retail Spend
3 months’
6 months’
12 months’
<500 None None None
600 RM200 per month - -
1,500 - RM250 per month -
2,200 - - RM183 per month
*Only for Great Eastern Life/Great Eastern General Insurance premium

Great benefits with OCBC Cashflo MasterCard

24-hour concierge

A personalised service that answers your travel queries, makes restaurant reservations, and books your tickets to concerts and performances. All your needs are within reach at

Interest-free period

Enjoy a 20-day interest-free period from the billing date on all retail purchases. You can also spend at any of our participating merchants with an interest-free instalment plan. Terms and conditions apply.

Easy bill payments

OCBC PayMaster gives you the convenience of having your utility and service bills paid automatically through monthly debit of your OCBC Credit Card.

Terms and Conditions
Frequently Asked Questions