OCBC Titanium Mastercard Pink

Min. annual incomeRM48,000RM4,000 / month equivalent

Principal annual feeRM75

Card networkMastercardConventional card

View with bank ↗← All OCBC cards

THE DETAILS

Benefit breakdown

OCBC$ earning

OCBC$ earning
Category	Higher-rate days	Other days
Eligible online / selected e-wallet spending	12X on double dates and the 25th	6X
Other eligible retail	1X	1X

Higher-rate points are capped at 20,000 per statement cycle, after which eligible spending earns 1X. Great Eastern premiums, government, JomPAY / FPX / DuitNow QR and transactions coded to the UK / EU / listed European countries are excluded where specified. OCBC$ expire after five years.

Fees & charges

Principal annual fee: RM75
Supplementary annual fee: RM0; 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.

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.
OCBC$ cash-credit redemption: Redeem via OCBC Malaysia Mobile Banking. The March 2026 terms illustrate 12,000 OCBC$ for RM20 cash credit; minimum redemption is RM10, with eligible account-activity rules. This is points redemption, not an automatic cashback programme.
Blue / Pink card design: Principal holders choose one design; supplementary design may differ. Rewards and fee terms are the same for Blue and Pink; changing a chosen design can trigger a replacement fee.

Product disclosure·Card terms·Terms apply

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.