365 Mastercard: Unlimited Cashback Credit Card | OCBC Bank MY

OCBC 365 MASTERCARD

Earn up to 10x OCBC$ for everyday spend

Why you will love this

Up to 10x OCBC$ on weekend spend for Dining, Groceries and Shopping

1x OCBC$ on everyday spend for Utilities, Petrol and Insurance Premiums

Who can apply

Anyone at least 21 years old

Must have an annual income of at least RM48,000

Apply now

OCBC 365 Mastercard Credit Card allows you to earn up to 10x OCBC$* on your everyday spending like Shopping, Dining, Grocery, and more. Get one now!

FEATURES AND BENEFITS

Earn 10x OCBC$ on Shopping, Dining and Grocery spending on weekends

Earn 5x OCBC$ on the same categories on weekdays

  • OCBC$ is capped at 20,000 per statement cycle.
  • Customers can continue to earn 1x unlimited OCBC$ once the capping is reached.

Earn unlimited 1x OCBC$

On Utility, Petrol and Insurance spending everyday.

No annual fees for the first year**

An annual fee will be charged in subsequent years at RM100 a year on your principal card, and RM50 a year on your supplementary card.

5 years expiry for earned OCBC$

And redeem them as cashback via OCBC Malaysia Mobile Banking app.

Learn how to redeem here

*OCBC$ is only rewarded for spending related to Shopping, Dining, Grocery, Utility, Petrol and Insurance Premiums (“Everyday Spend”).​
Customers can continue to earn 1x unlimited OCBC$ once the 20,000 capping per statement cycle is reached.
Other spend categories are not entitled for OCBC$. Insurance Premiums exclude Great Eastern Insurance Premiums.
**Valid till 31st December 2025.

REWARDS

Enjoy exciting offers on Shopping, Dining, Grocery and more with your 365 Mastercard.

To unlock a world of enjoyment, click here to find out more.

BEFORE YOU APPLY

Eligibility requirements

Minimum age

21 years old

Annual income

Minimum RM48,000 per annum

Fees & charges

Principal card

RM100 a year (waived for first year)

Supplementary card

RM50 a year (waived for first year)

Product disclosure sheet

Product disclosure sheet 

Required documents

Multinational company, Public listed company, Government linked company, Government servant

  • Photocopy of MyKad (both sides) or passport (for foreigner) with working permit validity of at least 12 months
  • Latest 1 month salary slip for fixed income / 3 months salary slips for variable income; OR
  • Latest EPF statement with at least 3 months contributions; OR
  • Latest Borang B/BE/e-filing with proof of tax payment

Non-multinational company, Non-public listed company, Non-government linked-company

  • Photocopy of MyKad (both sides) or passport (for foreigner) with working permit validity of at least 12 months
  • Latest 3 months salary slips AND 3 months supporting bank statements OR EPF statement
  • Latest EPF statement with at least 3 months contributions; OR
  • Latest Borang B/BE/e-filing with proof of tax payment

Self-employed (more than 2 years with/in current business)

  • Photocopy of MyKad (both sides) or passport (for foreigner) with working permit validity of at least 12 months
  • Form 24/29/49;
  • Business Registration certificate/print out from SSM/CTOS/CBM
  • Latest Borang B/BE/e-filling with proof of tax payment
With salary slip (except sole proprietor)
  • 6 months salary slips AND 6 months supporting bank statements
Business bank statement (shareholding must be > 50%)
  • 6 months principal bank statements
EPF statement (except sole proprietor)
  • EPF statement with at least 3 months contributions

Commission Earner (full commission earner without basic salary)

Photocopy of MyKad (both sides) or passport (for foreigner) with working permit validity of at least 12 months

Non-Great Eastern (GE)

  • 6 months commission statements with 6 months supporting bank statements

Great Eastern (GE)

  • GE HR confirmation
  • Latest Borang B/BE/e-filing with proof of tax payment

Foreigner/Malaysian working abroad

Salaried/Employed

  • Latest 3 months salary slips AND supporting bank statements; OR
  • CPF statement for Singaporean and Malaysian with Singapore PR; AND
  • Valid work permit if employment is not in home country; OR
  • Permanent Residential ID (for Singapore PR)

Self-employed

  • Latest Tax Assessment from specific country; AND
  • Valid work permit/Permanent Residential IR requirement as per salaried above

Note: Additional supporting income documents might be required if the original copies of submitted documents are not sighted by the Bank.

Important notices

Terms and conditions

OCBC 365 Mastercard Terms and Conditions

Notices

OCBC 365 Rebate Programme

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 the OCBC Cardmember's Agreement.

or call us at +603 8317 5000.

Monday to Friday 8am to 10pm
(Excluding public holidays)

FAQS
Common questions
See all questions
What can I get from my OCBC 365 Mastercard?

You can earn Rewards Point (OCBC$) on purchases validly charged to your OCBC 365 Mastercard as provided in the Table 1 below:-

Table 1

Category Spend during Weekday Rewards Point (OCBC$) Spend during Weekend Rewards Point (OCBC$)
Dining 5x for every RM1 10x for every RM1
Grocery 5x for every RM1 10x for every RM1
Shopping 5x for every RM1 10x for every RM1
Utilities 1x for every RM1 1x for every RM1
Petrol 1x for every RM1 1x for every RM1
Insurance Premiums* 1x for every RM1 1x for every RM1

*Insurance Premiums excludes Great Eastern Insurance Premiums.

 

What is weekday and weekend spending?
    • Weekday refers to Monday to Friday spends;
    • Weekend refers to Saturday and Sunday spends.
    What does Total Everyday Spending mean?

    Total Everyday Spending means the total amount you spend on weekday and weekend for ”Everyday Spending” purchases as outlined in Table 2 and Table 3 below. The right-hand column shows items that are not considered ”everyday spending.”

    Table 2

    Everyday Spending*

    (the transactions below are included for Rewards Point (OCBC$) calculation)

    Non-Everyday Spending

    (the transactions below are excluded from Rewards Point (OCBC$) calculation)
    1. Local and overseas/foreign currency purchase
    2. Auto Debit/Recurring
    3. Online Purchases/E-Commerce
    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. Auto Balance Conversion
    7. Cash Advance
    8. Finance Charge
    9. Annual Fee
    10. Late Payment Charge
    11. Reversal on Transaction
    12. Disputed Transaction
    13. Fraudulent Transaction
    14. Card Replacement Fee
    15. Service Tax
    16. Other Fees and Charges
    17. Donations to Charitable and Social Service Organisations
    18. Government-related payments
    19. Great Eastern Life/General Insurance
    20. Jompay, FPX and Duitnow QR transactions
    21. Any transactions made in the United Kingdom, or in the country which is a member of the European Economic Community (EEC) or European Union (EU) including Aland Islands, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Netherlands, Poland, Portugal, Reunion, Romania, Saint Martin, Slovakia, Slovenia, Spain, Svalbard and Jan Mayen, Sweden, Iceland, Liechtenstein and Norway.

     

    * The Everyday Spending under Rewards Point (OCBC$) calculations is based on the Merchant Category Codes (“MCC”) as stated in Table 3 below (or as stated on the OCBC Website from time to time), and excludes transactions in countries specified in the above Table 2 items (xxi) under Non-Everyday Spending (including online/e-commerce transactions made to merchants tagged to the aforementioned countries).

     

    Table 3

    Category Eligible MCC* Description
    Dining 5811, 5812, 5462, 5814 Caterers, Eating Places, Restaurants, Bakeries, Fast Food Restaurants
    Grocery 5411, 5422, 5441, 5451, 5499, 9751, 5912 Supermarkets, Grocery Stores, Confectionery Stores, Convenience Food Stores, etc
    Shopping 5310, 5311, 5331, 5399, 5947, 5948, 5949, 5950, 5964, 5965, 5966, 5967, 5969, 5970, 5971, 5973, 5992, 5993, 5999, 5094, 5300, 5309, 5611, 5621, 5631, 5641, 5651, 5655, 5661, 5681, 5691, 5697, 5699, 5931, 5941, 5942, 5943, 5944, 5945, 5977, 7278 Department Stores, Gift Shops, Luggage Stores, Leather Goods Stores, Shoe Stores, Apparel and Clothing, Book Stores, Cosmetic Stores, etc
    Utilities 4900, 5968, 4899, 4813, 4814 Water Utilities, Gas Utilities, Electric Utilities, Telecommunication Services
    Petrol 5172, 5541, 5542, 9752 Automated Fuel Dispensers, Gasoline Service Stations, Petroleum Products
    Insurance Premiums* 5960, 6300, 6381 Insurance Sales, Underwriting, and Premiums, Insurance Services

    *Insurance Premiums excludes Great Eastern Insurance Premiums.

     

    What is MCC?

    The main business activity of a merchant and any card transaction performed at these merchants are classified under “Merchant Category Code” or “MCC” assigned by Visa/Mastercard, which are determined by the merchant and the merchant’s acquiring bank. OCBC shall not be held responsible for any discrepancies as it the acquiring bank’s sole responsibility to assign the correct MCC. Hence it is beyond the control of OCBC Bank.

    When will I get my rewards point?

    The Rewards Point (OCBC$) accumulated by the principal and supplementary Cardmembers will be credited into, and reflected in the billing statements of, the principal Cardmember’s OCBC Card account.

    See all questions

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