World Mastercard Credit Card| OCBC Malaysia Personal Banking


Unlimited cashback for the ambitious executives

Why you will love this

Up to 1% unlimited cashback

RM2 million complimentary travel insurance

2x Access to KLIA Plaza Premium Lounge per calendar year

If establishing business networks appeals to you, OCBC World Mastercard is your ideal partner in ambition.


Get unlimited cashback

Earn 1% cashback on overseas spending and 0.5% cashback on local spending. ​

Access to KLIA Plaza Premium Lounge

Relax during your travels with two complimentary visits per calendar year.                                                                                   

Complimentary travel insurance

Enjoy a RM2 million complimentary travel insurance when you charge your full airfare to your OCBC World Mastercard.

important information

Fees and charges

Principal card

RM388 per annum

Supplementary card

RM188 per annum

Product Disclosure Sheet

Important notices


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.

Common questions
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What can I get from my OCBC World Mastercard?

You can earn Cashback on purchases validly charged to the Cardmember’s OCBC World Mastercard as provided in the table below.

Table 1

Cashback Transactions For Cashback


Local Spending (via Ringgit Malaysia only)


Overseas Spending (via foreign currencies besides Ringgit Malaysia)*

*Excludes spending in certain countries / territories. Please refer to item 3 below for more details.

What is the maximum Cashback limit I am entitled to every month?

There is no maximum Cashback limit on your Total Retail Spending. Below are the examples of the Cashback calculation:

Illustration 1

Retail Spending Type Total Retail Spend Cashback Earned
Local spending (0.5% Cashback) RM500.00 RM2.50
Overseas spending (1.0% Cashback) - -
Total Cashback Earned RM2.50


Illustration 2

Retail Spending Type Total Retail Spend Cashback Earned
Local spending (0.5% Cashback) (via Ringgit Malaysia only) RM500.00 RM2.50
Overseas spending (1.0% Cashback) (via foreign currencies besides Ringgit Malaysia) RM1,000.00 RM10.00
Total Cashback Earned RM12.50
What is Total Retail Spending?

Total Retail Spending means the total amount of your retail spending. The table below shows you what transactions are retail spending and what are not.

Retail Spending*

(Transactions Below Are Included For Cashback Calculation)

Non-Retail Spending

(Transactions Below Are Excluded From Cashback Calculation)

  1. Local and overseas/foreign currency purchase
  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. Auto Balance Conversion
  6. Outstanding Balance
  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. Jompay, FPX and Duitnow QR transactions
  20. 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.

*Exclude transactions in countries specified in items (20) under Non-Retail Spending (including online/e-commerce transactions made to merchants tagged to the aforementioned countries).

How many complimentary accesses opportunities do I get to the KLIA Plaza Premium Lounge?

Both Principal and Supplementary OCBC World Mastercard Cardmember are each entitled to 2 complimentary opportunities per calendar year to access the KLIA Plaza Premium. The definition of a calendar year is from 01 January until 31 December of a particular year.

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