Products · Credit Cards · OCBC 365 MasterCard
OCBC Bank
OCBC 365 MasterCard
3.8
Best for
Everyday spenders who want category cashback across dining, petrol, groceries, and online shopping 365 days a year
Annual Fee
Free
Min. Income
RM 4,000/mo
Pros
- Category cashback on dining, petrol, groceries, and online purchases
- Annual fee free with minimum spend condition
- No weekday/weekend restriction — earn every day
Cons
- Cashback capped per month — high spenders hit ceiling
- Multiple categories to track for optimal earn
- Not a travel or miles card
Full specifications
| Annual Fee | Free |
| Fee Waiver | Free* |
| Min Income | RM 4,000/month |
| Apply Online | Yes |
How does OCBC 365 MasterCard compare?
See how it stacks up against other credit cards from Malaysian banks.
Data sources:
- Aggregator: RinggitPlus listing
- Rates verified: 11 Apr 2026