OCBC Titanium Mastercard
Up to 12x OCBC$ on online & e-wallet spend
Apply for OCBC Titanium Mastercard →Last updated 7 August 2026 · Reviewed by Raymond, Rates.my
OCBC Bank 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 (conditions apply).
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 (conditions apply)
- +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
Before you apply, read OCBC Bank's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 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: conditions apply.
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.