Mastercard · ConventionalOCBC · MALAYSIA
OCBC Cashflo Mastercard
Min. annual incomeRM48,000RM4,000 / month equivalent
Principal annual feeRM188
Card networkMastercardConventional card
THE DETAILS
Benefit breakdown
Fees & charges
- Principal annual fee
- RM188
- Supplementary annual fee
- RM68; applicable first-year / subsequent waiver conditions remain separate.
- Annual-fee waiver
- First-year waiver offered through 31 December 2026; then waiver at RM20,000 annual retail spend.
- Retail interest / effective profit rate
- 15% / 17% / 18% p.a., based on prompt-payment history.
- Cash advance interest / profit
- 18% p.a., normally calculated daily without a retail grace period.
- Service tax
- RM25 for each principal / supplementary card; an annual-fee waiver does not waive this tax.
- Cash advance fee
- 5% of amount advanced or RM20, whichever is higher, plus applicable tax.
- Minimum monthly payment
- 5% of outstanding balance or RM50, plus full contracted monthly card-plan / ABC instalments.
- Late payment
- Higher of RM10 or 1% of relevant retail / cash outstanding, capped at RM100.
- Foreign currency conversion
- 1.25% bank administration cost plus the network conversion rate / transaction fees. Premier Private Client Voyage exemption applies where eligible.
- Replacement card
- RM35 for 365; RM50 for ordinary cards / recycled-PVC Voyage, RM500 for metal Voyage.
- Retail grace period
- 20 days from statement date when the account has no outstanding carried balance; not applicable to cash advances / balance transfers.
Requirements
- Minimum annual income
- RM48,000
- Principal age
- At least 21 years
- Supplementary age
- At least 18 years
- Application conditions
- Published income threshold; residency, income documents and bank credit assessment also apply.
Payment plans
Automatic instalments
| Single eligible purchase | Automatic tenure | Rate |
|---|---|---|
| Below RM500 | Not converted | Ordinary card repayment terms |
| RM500–RM1,000 | 3 months | 0% with full on-time statement payment |
| Above RM1,000 | 6 months | 0% with full on-time statement payment |
Standing instructions, existing instalments and other excluded transactions do not qualify. Missed / partial repayment can incur finance and late charges.
Product features
- Income documents
- NRIC / passport and accepted income evidence such as payslips, EPF, tax assessment and supporting bank statements. Self-employed applicants also need business registration and business statements. Foreign applicants must satisfy the bank’s work-permit / residency requirements.
Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.