Help & Support - 365 Mastercard FAQ | OCBC Malaysia

Help & Support

Cards - OCBC 365 Mastercard

  • What can I get from my OCBC 365 Mastercard?

    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%
  • Is there a maximum cashback limit applicable on the OCBC 365 Mastercard?

    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 RM1,500 x 0.50% Cashback RM7.50
    Total RM28.00
  • What does Total Everyday Spending mean?

    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)

    1. Local and overseas/foreign currency purchase
    2. Auto Debit/Recurring
    3. Online Purchases/e-wallet/E-Commerce
    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. Auto Balance Conversion
    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. Great Eastern Life/General Insurance
    20. Jompay, FPX and Duitnow QR transactions
    21. 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 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.

  • When will I get my cashback?

    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.
  • 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 a cashback on insurance premium when I pay with this card?

    Yes, you will be entitled to a cashback 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 a cashback on utilities via JomPay when I pay with this card?

    No, all transactions made via JomPay, FPX or Duitnow QR are not entitled for cashback.