OCBC Bank Credit Cards
Last updated 30 June 2026 · Reviewed by Raymond, Rates.my
OCBC Bank credit cards overview
OCBC Bank offers 5 credit cards listed here, spanning air miles, cashback and rewards points. 3 of them are free-for-life with no annual fee. Entry-level eligibility starts from a minimum income of RM48,000 a year. The headline pick is the OCBC 90°N Visa Card — 2.1 miles per rm1 spent overseas. Compare every OCBC Bank card below by reward type, annual fee and income requirement, then read full reviews before you apply.
All OCBC Bank credit cards
2.1 miles per RM1 spent overseas
5% cashback on dining, groceries & petrol (capped RM50/mo per category)
Up to 12x OCBC$ on online & e-wallet spend
2.5% cashback on Great Eastern insurance premiums
1.2% overseas cashback + RM2m travel insurance
How to apply for a OCBC Bank credit card
Apply online via the OCBC Bankwebsite or banking app, or at any branch. You'll generally need to be at least 21 (supplementary cards from 18), meet the card's minimum annual income of RM48,000 or more, and provide your MyKad (or passport for non-residents), your latest payslips or EA form, and recent bank statements or your BE form if self-employed. Approval and the final credit limit are at OCBC Bank's discretion. Not financial advice.
OCBC Bank credit cards FAQ
Our top OCBC Bank pick is the OCBC 90°N Visa Card — 2.1 miles per rm1 spent overseas. The best card for you depends on where you spend: compare the cashback, rewards and fees in the list above against your own habits.
3 cards are free-for-life: OCBC 90°N Visa Card, OCBC 365 MasterCard, OCBC Great Eastern Platinum Mastercard. Always confirm the latest fee terms with OCBC Bank, as waiver conditions can change.
Entry-level OCBC Bank cards start from a minimum annual income of about RM48,000 (roughly RM4,000/month). Premium cards require more — each card's exact requirement is shown above.
The OCBC Bank cards listed here are conventional. Check with OCBC Bank directly for any Shariah-compliant card-i options.
Apply online at the OCBC Bank website or app, or at a branch. You'll typically need to be at least 21, meet the card's minimum income, and provide your MyKad (or passport), latest payslips or EA form, and recent bank statements or BE form if self-employed.
Yes — for example the OCBC 90°N Visa Card: RM3,888 TnG draw (every 38th applicant) + guaranteed RM300–RM500 TnG via balance transfer (spend RM100 in 60 days) Sign-up promotions are time-limited and have terms; confirm the current offer with OCBC Bank before applying.
Rates, fees and promotions are indicative and time-limited — always confirm current terms with OCBC Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by OCBC Bank; the bank's name and card names/logos belong to their respective owners. Spotted an error, or need a correction or takedown? Contact Raymond at raymond@rates.my.