OCBC Titanium Mastercard
Up to 12x OCBC$ on online & e-wallet spend
Apply for OCBC Titanium Mastercard →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
OCBC Titanium Mastercard overview
The OCBC Bank OCBC Titanium Mastercard is a Titanium-tier Mastercard points card built around rewards points. Up to 12x OCBC$ on online & e-wallet spend. It best suits middle-income earners, with a minimum income requirement of RM48,000 a year. It has an annual fee of RM75 (free 1st year, then waived with min. rm20,000/yr retail spend).
Features & benefits
- ✓Up to 12x OCBC$ on online & e-wallet spend
- ✓Pink and Blue card variants
- ✓Rewards on everyday lifestyle spend
Is the OCBC Titanium Mastercard worth it?
The OCBC Titanium Mastercard is best suited to middle-income earners — its minimum income requirement is RM48,000 a year (about RM4,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Annual fee waivable (free 1st year, then waived with min. rm20,000/yr retail spend)
- +Earns 1 reward point per RM1 spent
- −RM75 annual fee unless the waiver condition is met
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — OCBC Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the OCBC Titanium Mastercard, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- Easy Payment Plan, Balance Transfer, Call for Cash, Power Credit Cash Plus, Auto Balance Conversion, outstanding balance, cash advance, finance charge, annual fee, late payment charge, reversed/disputed/fraudulent transactions, card replacement fee, service tax, other fees/charges, donations to charitable/social organisations, government-related payments, Great Eastern insurance, JomPAY/FPX/DuitNow QR, and — same pattern as the World Mastercard sibling — any transaction made in the UK or an EU/EEA country.
- How the cap works
- The 12x (double-date/payday) and 6x (other days) OCBC$ online & e-wallet rates are capped at 20,000 OCBC$ per statement cycle combined; an unlimited 1x rate continues to earn once the cap is reached. Double-date = 1.1, 2.2 ... 12.12; payday = the 25th of every month.
- Foreign transaction fee
- A 1.25% administration cost (per the current PDS 07/26 fee schedule; only OCBC 365 Mastercard gets the lower 1.00% rate) plus Mastercard's own currency-conversion rate.
- Fee waiver
- Waived for the first year (valid till 31 December 2026); subsequent years waived with a minimum RM20,000/yr retail spend.
- ⚠OCBC$ points expire 5 years from the earning date and are automatically revoked if unredeemed by then.
- ⚠OCBC$ is non-transferable to any other OCBC card, including on conversion/upgrade.
Verified 7 September 2026. Summarised in our own words from OCBC Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official OCBC Titanium Mastercardterms & product disclosure →OCBC Titanium Mastercard FAQ
You need a minimum annual income of RM48,000 (about RM4,000 a month). OCBC Bank also considers your overall credit standing.
The annual fee is RM75, but it can be waived: free 1st year, then waived with min. rm20,000/yr retail spend.
It earns 1 reward point per RM1 spent. Up to 12x OCBC$ on online & e-wallet spend.
No — the OCBC Titanium Mastercard is a conventional credit card. Check with OCBC Bank for any Islamic (card-i) equivalent.
It's a good fit for middle-income earners who want rewards points — its main draw is "Up to 12x OCBC$ on online & e-wallet spend". Weigh the RM75 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the OCBC Titanium Mastercard compares
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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; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.