Help & Support
Cards - OCBC 365 Mastercard
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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$) Dining 5x for every RM1 10x for every RM1 Grocery 5x for every RM1 10x for every RM1 Shopping 5x for every RM1 10x for every RM1 Utilities 1x for every RM1 1x for every RM1 Petrol 1x for every RM1 1x for every RM1 Insurance Premiums* 1x for every RM1 1x for every RM1 *Insurance Premiums excludes Great Eastern Insurance Premiums.
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What is weekday and weekend spending?
- Weekday refers to Monday to Friday spends;
- Weekend refers to Saturday and Sunday spends.
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What does Total Everyday Spending mean?
Total Everyday Spending means the total amount you spend on weekday and weekend for ”Everyday Spending” purchases as outlined in Table 2 and Table 3 below. The right-hand column shows items that are not considered ”everyday spending.”
Table 2
Everyday Spending*
(the transactions below are included for Rewards Point (OCBC$) calculation)
Non-Everyday Spending
(the transactions below are excluded from Rewards Point (OCBC$) calculation)
- Local and overseas/foreign currency purchase
- Auto Debit/Recurring
- Online Purchases/E-Commerce
- Instalment Payment Plan (IPP)
- Mail Order/Telephone Order
- Easy Payment Plan (EPP)
- Balance Transfer (BT)
- Call for Cash (CFC)
- Power Credit Cash Plus
- Outstanding Balance
- Auto Balance Conversion
- Cash Advance
- Finance Charge
- Annual Fee
- Late Payment Charge
- Reversal on Transaction
- Disputed Transaction
- Fraudulent Transaction
- Card Replacement Fee
- Service Tax
- Other Fees and Charges
- Donations to Charitable and Social Service Organisations
- Government-related payments
- Great Eastern Life/General Insurance
- Jompay, FPX and Duitnow QR transactions
- Any transactions made in the United Kingdom, or in the country which is a member of the European Economic Community (EEC) or European Union (EU) including Aland Islands, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Netherlands, Poland, Portugal, Reunion, Romania, Saint Martin, Slovakia, Slovenia, Spain, Svalbard and Jan Mayen, Sweden, Iceland, Liechtenstein and Norway.
* The Everyday Spending under Rewards Point (OCBC$) 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.
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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.
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When will I get my rewards point?
The Rewards Point (OCBC$) accumulated by the principal and supplementary Cardmembers will be credited into, and reflected in the billing statements of, the principal Cardmember’s OCBC Card account.
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Will my supplementary Card enjoy the same benefits as I do?
Yes. Supplementary Cardmembers will also enjoy the same benefits as Principal Cardmembers. -
Will I be entitled to rewards point on insurance premium when I pay with this card?
Yes, you will be entitled to a Rewards Point (OCBC$) except for Great Eastern (GE) Life/General Insurance. If you are an existing GE policyholder, you may check out the OCBC Great Eastern Platinum card on the OCBC website. -
Will I be entitled to rewards point on utilities via JomPay when I pay with this card?
No, all transactions made via JomPay, FPX or Duitnow QR are not entitled for Rewards Point (OCBC$). -
Will I be entitled to rewards point (OCBC$) on e-wallet transactions?
No, unless the transaction performed is stipulated in Table 3 of the Merchant Category Codes (“MCC”). OCBC shall not be held responsible for any discrepancies as it the acquiring bank’s sole responsibility to assign the correct MCC and beyond the control of OCBC Bank. -
Is there a capping of rewards points (OCBC$) earnings?
Yes. There is a capping of 20,000 rewards points OCBC$ for 10x rewards points (OCBC$) on weekend spend and 5x rewards points (OCBC$) on weekday for dining, grocery and shopping categories as per statement cycle, once the capping has been met, customer can continue to earn 1x rewards point (OCBC$) thereafter. Please refer to Table 1 above on the eligible categories.