OCBC World MasterCard
OCBC consumer credit card. Compare cashback eligibility, annual fees and the conditions used by the calculator.
Partial verification · Terms last checked: 2026-11-10
Current income requirement and availability unconfirmed.
Calculate this cardSalary and spending requirements
- Minimum monthly income
- RM8,333.33
- Minimum annual income
- RM100,000.00
- Qualifying spend
- Category and transaction conditions apply. See the source rows and bank terms below.
- Minimum principal age
- 21
Annual fee and SST
- Published annual fee
- RM388.00
- Fee waiver
- Free for first year, valid until 31 December 2026; spend a minimum of RM40,000 for subsequent years
- SST
- RM25 per physical card per year. Multi-card packages can cost more.
Annual net cashback is the year's eligible cashback minus the annual fee and SST. The calculator applies fee-waiver conditions to your scenario; the published fee above is not necessarily the fee you will pay.
Conditions to check
- Product-page rates and annual fee are available, but current card-specific disclosure, income requirement and application availability are not fully confirmed. Salary screening uses the listing minimum as an assumption.
- Specific product page and October 2025 World cashback terms checked: 0.5% eligible MYR local, 1% eligible foreign currency, no cashback cap. RM388 annual fee, first year waived until 31 December 2026 then RM40,000 annual retail spend waiver.
- UK/EEA/EU spending and merchants tagged there, government, charity, JomPAY, FPX and DuitNow QR excluded. Generic July 2026 PDS no longer lists World fee; availability/income must be confirmed.
Listed cashback rates
A summary of published rates, not an offer. Bank terms and the conditions above take priority. A threshold can refer to total spend, a statement balance or an individual transaction.
| Category | Listed rate | Listed qualifying basis | Listed monthly cap |
|---|---|---|---|
| Overseas Spend | 1% | RM0.00+ | Not specified / uncapped in listing |
| Local Spend | 0.5% | RM0.00+ | Not specified / uncapped in listing |
Sources
Terms can change after the check date. Confirm current terms with the issuer. This page does not include a welcome-gift valuation or guarantee bank approval.