Help & Support - Cashflo Mastercard | OCBC Malaysia

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Cards - OCBC Cashflo Mastercard

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FREQUENTLY ASKED QUESTIONS

  • What benefits can I get from the OCBC Cashflo Mastercard?

    You are entitled to an Interest Free Auto-Instalment Payment Plan (Auto-IPP) for retail transactions of RM500 and above.

  • What is Retail Spending?

    Retail Spending means the amount the Cardmember spends on retail purchases. Table 1 below sets out the transactions which form part of retail spending and which ones are not entitled to the Auto Instalment Payment Plan (Auto-IPP).

    Table 1

    Retail Spending

    (Transaction Below Are Included For Auto-IPP)

    Non-Retail Spending

    (Transaction Below Are Excluded From Auto-IPP)
    1. Local and overseas/foreign currency purchase
    2. Online Purchases/ e-wallet/ E-Commerce
    3. Mail Order / Telephone Order
    4. Auto Debit/Recurring
    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. Great Eastern Life / General Insurance
    20. Standing instructions
    21. Instalment Payment Plan (IPP) / Auto-IPP
    22. Jompay, FPX and Duitnow QR transactions

  • What is the Cashflo Interest-free* Auto-Instalment Payment Plan (Auto-IPP) on the OCBC Cashflo Mastercard?

    This is a feature for the OCBC Cashflo Mastercard where:

    1. Purchases from RM500 - RM1,000 are automatically converted to a 3-months Auto-IPP.
    2. Purchases that are above RM1,000 will be automatically converted to a 6-months Auto-IPP.

    This feature allows Cardmembers to better manage their cash flow by spreading out their payments over a 3 or 6 months period. This is especially good for places that may not offer 0% Instalment Payment Plans upfront, such as luxury retailers.

    *The Auto-IPP is interest-free provided that the Cardmember fully settles the amount stated in the OCBC Cashflo Mastercard monthly statement, on or before the payment due date. If any amount debited to the Cardmember's account (including but not limited to the Auto-IPP monthly instalment amount) is not paid in full when due, the Cardmember will be charged finance and late payment charges, interest and fees on the outstanding amount at the rates determined by OCBC Bank and subject to the OCBC Cardmember's Agreement.

  • What transactions are eligible for the Auto-IPP feature?

    The Auto-IPP feature is available only for purchases of goods & services and if the minimum spending requirement is met. For example, purchase of a television at an electronics store, or purchase of flight tickets, or payment for a dining transaction by using a currently valid OCBC Cashflo Mastercard. Table 2 below sets out the transactions which form part of Auto-IPP and transaction which do not.

    Table 2

    Auto-IPP

    (Transaction Below Are Included For Auto-IPP)

    Non Auto-IPP

    (Transaction Below Are Excluded From Auto-IPP)
    1. Local and overseas/foreign currency purchase
    2. Online Purchases/ e-wallet/ E-Commerce
    3. Mail Order / Telephone Order
    4. Auto Debit/Recurring
    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. Great Eastern Life / General Insurance
    20. Standing instructions
    21. Instalment Payment Plan (IPP) / Auto-IPP
    22. Jompay, FPX and Duitnow QR transactions

  • I paid my Great Eastern insurance premium of RM500 with OCBC Cashflo card. Will this transaction be Auto-IPP for 3 months?

    No, Great Eastern (GE) Life/General Insurance transaction are not eligible for the Auto-IPP feature.

  • Can I pay off my outstanding Auto-IPP amount in full?

    Yes. You may call into the OCBC Contact Centre and request to pay the Auto-IPP in full.

  • Will my Standing Instructions be subjected to the Auto-IPP trigger amounts?

    No. Your Standing Instructions is not eligible for the Auto-IPP feature.

  • Do I get rebates for the Auto-IPP transactions?

    The Cashflo card does not have a rebate feature.

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