Earn up to 4.20% p.a. with just 3 simple actions. Only with OCBC 360 Account/-i.
Build it your way, one block at a time.
2 easy steps to earn your RM100 Welcome Cash Reward
- Open a new OCBC 360 Account/-i during the promotional period
- Deposit and maintain an incremental balance of at least RM3,000 for the first 3 consecutive months
Note: Welcome Cash Reward is exclusively for New-to-OCBC customers.

Earn additional interest/profit from the bonus categories when you open OCBC 360 Account/-i. Build your own OCBC 360 Account/-i your way!
Promotional period: 1 September 2023 - 31 December 2023
*Maximum Effective Interest Rate/Effective Profit Rate (“EIR”/”EPR”) for one month on your first average daily balance of RM100,000 in your newly opened OCBC 360 Account/-i, assuming you fulfil the above Bonus Pillars:
- You will earn a base interest/profit rate of 0.10% p.a. on your entire account balance regardless of whether you fulfil any of the above Bonus Pillars or not.
- Deposit & Welcome Bonus1 : You will earn a maximum EIR/EPR of 2.10% p.a.
- Deposit & Welcome Bonus1 + Pay: You will earn a maximum EIR/EPR of 3.15% p.a.
- Deposit & Welcome Bonus1 + Pay + Spend: You will earn a maximum EIR/EPR of 4.20% p.a.
1New-to-OCBC 360 Account/-i customers are entitled to an additional 0.95% p.a. Welcome Bonus Interest/Profit on top of “Deposit” Bonus Interest/Profit of 1.05% p.a. for the first three (3) months upon account opening if a deposit of at least Three Thousand Ringgit Malaysia (RM3,000) is made each month. The eligibility criteria for “Deposit” Bonus Interest/Profit category remains unchanged.
The Welcome Bonus is paid on the first RM100,000 average daily balance for that calendar month and credited into the OCBC 360 Account/-i within 31 business days of the start of the following calendar month.
Discover how much interest/profit you can earn for the first 3 months on your New OCBC 360 Account/-i opened during the promotional period.

Average daily balance in your account
Please check the appropriate boxes below:
OR

Interest/profit
earned
RM0.00
a month
Disclaimer
The amount is calculated on per month (31 days) basis and is for illustration purposes only.
The calculator is for your convenience only and you have chosen to use it and rely on any results at your own risk. OCBC Bank will not under any circumstances accept responsibility or liability for any losses that may arise from a decision that you may make as a result of using the calculator.
PIDM disclosure
This deposit is protected by PIDM up to RM250,000 for each depositor.
- Deposit protection is automatic.
- PIDM protects depositors holding deposits with banks.
- There is no charge to depositors for deposit insurance protection.
- Should a bank fail, PIDM will promptly reimburse depositors over their deposits.
For more information, refer to PIDM's DIS Brochures that are available at our counters or go to the website at www.pidm.gov.my.
Open your OCBC 360 Account/-i today
or fill in your details to get us to contact you.
For New-to-OCBC 360 Account/-i Customers
Complete an online application form and visit your selected OCBC Branch within 8 days to verify your details once the account is successfully opened.
How to earn the Deposit Bonus interest/profit
- Set this account as your salary crediting account; OR
- Set a recurring fund transfer from other bank accounts
How to earn the Pay Bonus interest/profit
- Use OCBC Internet Banking to pay your credit cards, loans/financing or bills from over 10,000 billers with JomPay
- Bills include your credit cards, loans and instalments with OCBC or other banks
How to earn the Spend Bonus interest/profit
- Combine your spending across all your OCBC Credit and/or Debit Cards/-i to qualify
- Continue to enjoy your OCBC Credit Card benefits
Only eligible transactions that appear on your card account within the calendar month will qualify for this. Transactions that have been terminated, voided, reversed or cancelled will be excluded.
How to earn the Wealth Bonus interest/profit
Unit Trust/-i |
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Invest a lump sum investment of at least RM500 in MYR Unit Trust/-i with minimum sales charge of 1.88% |
Bancassurance or Takaful |
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Purchase Bancassurance or Takaful products with a minimum annual first year premium/contribution of RM2,000. |
Note: Speak to our Personal Financial Consultant for more details. They can assist you by performing a Financial Needs Analysis (FNA) to ensure that the product you purchase meets your financial needs.
T&Cs apply.