OCBC 365 Mastercard Credit Card| OCBC Malaysia

OCBC 365 MASTERCARD

Unlimited cashback for the savings seeker

Why you will love this

1% Cashback on all retail spending up to first RM1,000 and 0.5% Unlimited Cashback on subsequent retail spending

0% foreign exchange mark-up on overseas spending

No annual fees for the first year*

Who can apply

Anyone at least 21 years old

Annual income at least RM72,000

If growing your savings get you excited, look no further than OCBC 365 Mastercard and its great saving features.

FEATURES AND BENEFITS

Get unlimited cashback

Earn 1% cashback on all retail spending up to first RM1,000 and 0.5% cashback on subsequent retail spending.

Earn 1% cashback on all retail spending up to first RM1,000 and 0.5% cashback on subsequent retail spending.

0% foreign exchange mark-up

Enjoy higher savings on overseas spending with 0% foreign exchange mark-up.

Enjoy higher savings on overseas spending with 0% foreign exchange mark-up.

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.

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.

*For first-time OCBC Credit Card customers and those who have not held any OCBC Credit Cards in the last 12 months. Valid till 31st December 2023.

BEFORE YOU APPLY

Eligibility requirements

Minimum age

21 years old

Annual income

Minimum RM72,000 per annum


Fees

Principal card

RM100 a year (waived for first year*)

Supplementary card

RM50 a year (waived for first year*)


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


Important notices

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?

Cardmembers can earn Cashback on purchases charged to the Cardmember's OCBC 365 Mastercard as provided in the table below:

Cashback 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
Total RM20
What is Total Retail Spending?

Total Retail Spending means the total amount that you spend on retails items. The table below shows you what constitutes retail spending transactions and what does not.

Retail Spending

(Transaction Below Are Included For Cashback Calculation)

Non-Retail Spending

(Transaction Below Are Excluded For 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
  16. Donations to Charitable and Social Service Organisations
  17. Government - related payments

 

 
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 date of your billing cycle.

See all questions