OCBC Cashflo Mastercard

OCBC Cashflo Mastercard


  • Annual Fee: Waived for three years for first time OCBC credit card customer
  • Earn unlimited cash rebates on retail spend
  • 0.5% cash rebate on all retail spend
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 188.00

Credit Card's Promotion


0.5% cash rebate on all retail spend

Balance Transfer

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

Tenure (Month) 6 6 6


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



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



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


  • 3 months’ Auto-IPP for retail transactions between RM500 and RM1,000
  • 6 months’ Auto-IPP for retail transactions above RM1,000
  • 12 months’ Auto-IPP for Great Eastern / Overseas Assurance Corporation Insurance Premium transactions of RM2,200 and above
Annual fee RM 188.00
Annual fee for suplementary card RM 68.00
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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