ANNUAL FEE
RM100 (principal), RM50 (supplementary)
Waived first year (valid till 31 Dec 2026); subsequent years waived with min RM20,000 annual retail spend
INCOME REQUIREMENT
RM48,000/year
MILES
not disclosed (OCBC$ points redeemable as cash credit via OCBC app)
Expiry: OCBC$ expire after 5 years
■ CATEGORY RATES
Dining, grocery, shopping on weekends 10x OCBC$ per RM1 · CAP 20,000 OCBC$ per statement cycle
Dining, grocery, shopping on weekdays 5x OCBC$ per RM1 · CAP 20,000 OCBC$ per statement cycle
Utilities, petrol, insurance premiums 1x OCBC$ per RM1 · CAP unlimited
NOTES
Points-based card: 10x OCBC$ on weekend dining/grocery/shopping, 5x weekdays, 1x utilities/petrol/insurance. OCBC$ redeemable as cash credit. Insurance premiums exclude Great Eastern. 1x unlimited OCBC$ continues after 20,000 cap reached.
SOURCE
https://www.ocbc.com.my/personal-banking/cards/365-mastercard
OCBC official product page (ocbc.com.my)
Verified 4 Sept 2026. Terms change — always confirm on the official site.