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OCBC 365 MasterCard

OCBC 365 MasterCard

 

  • Annual Fee: Waived for first year, waived for three years for first time OCBC credit card customer
  • Earn unlimited cash rebates on all retail spend
  • 1% rebate for first monthly spend of RM1,000 and 0.5% rebate for subsequent spend above RM1,000
Minimum Monthly Income
Minimum Monthly Income

RM 2

Interest Rate
Interest Rate

15% p.a.

Balance Transfer
Balance Transfer

2% for 6 months

Annual Fee
Annual Fee

RM 100.00

Credit Card's Promotion

CARD BENEFITS CASH BACK CREDIT CARD BENEFITS
Cashback
All year long rebates on everything
Amount Rebate Rate
Up to RM1,000 1.0%
Subsequent spend above RM1,000 0.5%

No capped for all rebates for retail purchases locally and overseas.

Balance Transfer

Here's how you can save with OCBC Balance Transfer Programme

Tenure (Month) 6 6 6

12

12 12
Balance Transfer Amount (RM) 3,000 5,000 10,000 3,000 5,000 10,000
Interest Rate (one time) 2% 2% 2% 4% 4% 4%
Interest charged on BT (RM) 60 100 200 120 200 400
Interest charged at 18%p.a. (RM) 157.50 262.50 525 292.50

487.50

975

Savings (RM) 97.50 162.50 325 172.50 287.50 575

Minimum amount of balance transfer is RM1,000

Low Interest
Tiering Interest Rate (per month) Interest Rate (per annum) Duration
Tier 1

1.25%

15%

for prompt repayment of 12/12 months

Tier 2

1.42% 17% for prompt repayment of 10/12 months
Tier 3 1.50% 18% for prompt repayment less than 10/12 months
FEES & CHARGES
Annual fee RM 100.00
Annual fee condition No annual fee for first year
Annual fee for suplementary card RM 50.00
Minimum monthly payment 5% of the outstanding balance or a minimum of RM50, whichever is higher
Late payment interest 1% late payment fee only applicable to retail transactions and cash advance or RM10 (whichever is higher), subject to a maximum of RM100
Finance charge interest rate per month 1.25%
Finance charge interest rate per year 15%
Cash withdrawal 5% of cash advance amount or minumum RM20, whichever higher
Cash withdrawal interest rate 18% p.a. of the cash advance/casino chips amount calculated on a daily basis from date of transaction
Balance transfer interest rate 2% for 6 months
Balance transfer max valid duration Up to 12 months

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