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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

CARD BENEFITS CASH BACK CREDIT CARD BENEFITS
Cashback

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 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

 

Premium
  • 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
FEES & CHARGES
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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