OCBC 365 Mastercard

Unlimited Cashback
for the Savings Seeker.
If growing your savings gets you excited, look no further than OCBC 365 Mastercard and its great savings features.
Unlimited Cashback
  • 1% Cashback on all retail spending up to first RM1,000
  • 0.5% Cashback on subsequent retail spending
No Foreign Exchange Mark-Up
for higher savings on overseas spending
No Annual Fees for the First 3 Years*
Principal card: RM100 per annum
Supplementary card: RM50 per annum
* For first-time OCBC Credit Card customers and those who have not held any OCBC Credit Cards in the last 12 months. Valid till 31 December 2022.
21 and above
Annual income
Minimum RM36,000 per annum
Frequently Asked Questions
What can I get from my OCBC 365 Mastercard?
Cardmembers can earn Cashback on purchases charged to the Cardmember’s OCBC 365 Mastercard as provided in the table below:
Table 1
Transactions For Cashback Calculation
First RM1,000 of Total Retail Spending – 1% Total Retail Spending billed for the month.
See Illustration 1 & 2 in Question 2.
Subsequent Retail Spending – 0.5%
Is there a maximum Cashback limit applicable on the OCBC 365 Mastercard?
No, there is no maximum Cashback limit on your Total Retail Spending. Below are the examples of Cashback calculation:
Illustration 1
Retail Spending Amount
Cashback Calculation
Cashback Amount
RM1,000 RM1,000 X 1% Cashback RM10
Illustration 2
Retail Spending Amount
Cashback Calculation
Cashback Amount
RM3,000 First RM1,000 X 1% Cashback RM10
Subsequent RM2,000 X 0.5% Cashback RM10
What is Total Retail Spending?
Total Retail Spending means the total amount of your retail spending. The table below shows you what are retail spending transactions and what are not.
Table 2
Retail Spending
(Transactions Below Are Included For Cashback Calculation)
Non-Retail Spending
(Transactions Below Are Excluded From Cashback Calculation)
  1. Local and Overseas Purchases
  2. Auto Debit / Recurring
  3. E-commerce / Online Purchases
  4. Instalment Payment Plan (IPP)
  5. Mail Order / Telephone Order
  1. Easy Payment Plan (EPP)
  2. Balance Transfer (BT)
  3. Call for Cash (CFC)
  4. Power Credit Cash Plus
  5. Outstanding Balance
  6. Cash Advance
  7. Finance Charge
  8. Annual Fee
  9. Late Payment Charge
  10. Reversal on Transaction
  11. Disputed Transaction
  12. Fraudulent Transaction
  13. Card Replacement Fee
  14. Service Tax
  15. Other Fees and Charges
When will I get my Cashback?
The Cashback is accumulated based on your monthly billing cycle and will be credited into your OCBC Card account on the last day of your billing cycle.
Will my Supplementary Card enjoy the same benefits as I do?
Yes. Supplementary Cardmembers will also enjoy the same benefits as Principal Cardmembers.
How to activate my card?
View the steps to activate your card here.
Terms and Conditions apply.

Important Notes:
OCBC Bank (Malaysia) Berhad merely provides payment convenience and disclaims all liabilities and obligations in respect of any products, services or representations by third parties. Usage of OCBC Credit Cards is subject to the terms and conditions in OCBC Cardmember’s Agreement.