For spend up to RM1,000 on everyday spending.
For spend up to RM1,000 on everyday spending.
For subsequent spend above RM1,000 - RM1,500 (capped at RM20 cashback per month).
For subsequent spend above RM1,000 - RM1,500 (capped at RM20 cashback per month).
Earn 0.5% unlimited cashback on subsequent everyday spending above RM1,500.
Earn 0.5% unlimited cashback on subsequent everyday spending above RM1,500.
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.
*Cashback is only rewarded for spending related to Dining, Shopping, Groceries, Utilities, Petrol, and Insurance Premiums (“Everyday Spending”). Other spend categories are not entitled for Cashback. Insurance Premiums exclude Great Eastern Insurance Premiums.
**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.
Minimum age
21 years old
Annual income
Minimum RM48,000 per annum
Principal card
RM100 a year (waived for first year)
Supplementary card
RM50 a year (waived for first year)
Product disclosure sheet
Multinational company, Public listed company, Government linked company, Government servant
Non-multinational company, Non-public listed company, Non-government linked-company
Self-employed (more than 2 years with/in current business)
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)
Great Eastern (GE)
Foreigner/Malaysian working abroad
Salaried/Employed
Self-employed
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)
Cardmember can earn cashback on purchases validly charged to the Cardmember’s OCBC 365 Mastercard as provided in the table below:-
Table 1
| Cashback | Transactions For Cashback Calculation |
| First RM1,000 of Total Everyday Spending – 0.05% |
Total Everyday Spending (Table 2 and Table 3) billed for the month |
| Subsequent Total Everyday Spending of RM1,000 — RM1,500 – 5% (capped at RM20 cashback monthly) |
|
| Subsequent Total Everyday Spending of above RM1,500 – 0.50% |
No there is no maximum cashback limit on your Total Everyday Spending.
Below are the examples of cashback calculation:
Illustration 1
| Everyday Spending Amount | Cashback Calculation | Cashback Amount |
| RM1,000 | RM1,000 x 0.05% Cashback | RM0.50 |
Illustration 2
| Everyday Spending Amount | Cashback Calculation | Cashback Amount |
| RM3,000 | First RM1,000 x 0.05% Cashback | RM0.50 |
| Subsequent RM500 x 5% Cashback (capped at RM20 per month) | RM20.00 | |
| Subsequent RM 1,500 x 0.50% Cashback | RM7.50 | |
| Total | RM28.00 |
Total Everyday Spending means the total amount you spend on regular or “everyday” 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* (Transaction Below Are Included For Cashback Calculation) |
Non-Everyday Spending (Transaction Below Are Excluded From Cashback Calculation) |
|
|
*The Everyday Spending under cashback calculations is based on the Merchant Category Codes (MCC) as stated in Table 3 (or as stated on the OCBC Website from time to time), and excludes transactions in countries specified in items (21) under Non-Everyday Spending (including online/e-commerce transactions made to merchants tagged to the aforementioned countries).
Table 3
| Category | Eligible MCC |
| Dining |
5811, 5812, 5462, 5814 |
| Grocery |
5411, 5422, 5441, 5451, 5499, 9751, 5912 |
| 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 |
| Utilities |
4900, 5968, 4899, 4813, 4814 |
| Petrol |
5172, 5541, 5542, 9752 |
| Insurance Premiums* |
5960, 6300, 6381 |
*Insurance Premiums excludes Great Eastern Insurance Premiums.
The cashback is accumulated based on your monthly billing cycle and will be credited into your Credit Card account on the last day of your billing cycle.
Yes. Supplementary Cardmembers will also enjoy the same benefits as Principal Cardmembers.
