OCBC Premier Voyage MasterCard
An elite travel card for OCBC Premier members. Earn non-expiring Voyage Miles, enjoy 4x lounge access, and get up to USD 1M travel insurance.
Eligibility
Minimum Monthly Income
N/A
Min. Age
Cardholder: 21 years old
Supplementary Cardholder: 21 years old
Resident Status
OCBC Premier Banking members*
Documents required to apply:
You will need to provide several documents such as (varies between different banks):
Salaried Employees (Malaysian)
- A copy of your IC (both sides)
- Latest 1-3 months salary slip
- Latest 3 months bank statement
- Latest EPF statement (3 months)
- Latest B/BE Form/E-Filing with official tax receipt
Self-Employed (Malaysian)
- A copy of your IC (both sides)
- Form 24/ 29/ 49
- A&D Form (Business Registration / Trade Licence)
- Latest B/BE Form with official tax receipt
- Latest 6 months bank statements
Fees & Charges
Interest Rate
15% - 18%
Annual Fee
RM 0
Free*
Annual Fee Waiver
Yes
Free for first year, valid until 31 December 2026 and spend a minimum of RM80,000 for the subsequent years
Late Payment Fee
RM 50 or 5% of the outstanding amount, whichever is higher
Interest Rate
15%
Features
Fast-Track Global Rewards with No Expiry
Make every single journey more rewarding. The OCBC Premier Voyage Mastercard accelerates your points accumulation by giving you 1 Voyage Mile for every RM5 spent locally and an upgraded 1 Voyage Mile for every RM3 spent overseas. Because your miles never expire, you can accumulate them at your own pace and instantly redeem them for any flight, on any airline, to any destination with absolute freedom from blackout dates.
Premium Lounge Access and USD 1 Million Travel Protection
Travel in absolute comfort and security. The OCBC Premier Voyage Mastercard grants you 4x complimentary entries per year to the world-class Plaza Premium Lounge at KLIA, where you can unwind with gourmet dining, free-flow beverages, and premium amenities. Plus, jet off with complete peace of mind with automatic, comprehensive global travel insurance coverage of up to USD 1 million when you book your flights with the card.
OCBC Easy Payment Plan
Take the pressure off your wallet. With the OCBC Easy Payment Plan (EPP), you can easily split your larger retail purchases of RM500 or more into predictable monthly instalments. Choose between flexible repayment timelines of 5, 10, or 20 months, all featuring a highly competitive one-time upfront handling fee that starts as low as 2%.
OCBC Balance Transfer Programme
Take control of your spending and lifestyle effortlessly. With the OCBC Balance Transfer Programme, you can easily consolidate outstanding high-interest balances into structured 6- or 12-month repayment terms starting at a highly competitive 2.88% p.a. flat rate.
24/7 Voyage Exchange Concierge
Hand your daily logistics over to the elite. No more stressing over vacation itineraries or booking hard-to-get tables. Your dedicated 24/7 Voyage Exchange concierge is just a phone call away, delivering premium, personalized lifestyle management from end-to-end travel mapping and VIP concert ticketing to bespoke personal shopping services.
Terms and Conditions
Product review by CompareHero
What Is the OCBC Premier Voyage Mastercard?
The OCBC Premier Voyage Mastercard is a premium travel rewards credit card available by invitation only to eligible OCBC Premier Banking and OCBC Premier Private Client customers. Instead of cashback or reward points, the card earns Voyage Miles, which never expire and can be redeemed for travel-related rewards, cash credit, or selected lifestyle rewards.
Designed for frequent travellers, the card also includes premium travel privileges such as complimentary airport lounge access, 0% foreign currency mark-up on overseas spending, complimentary travel insurance, and access to the Voyage Exchange concierge service.
Benefits of the OCBC Premier Voyage Mastercard
- Earn 1 Voyage Mile for every RM5 spent on eligible local retail transactions.
- Earn 1 Voyage Mile for every RM3 spent on eligible overseas retail transactions.
- Voyage Miles never expire, giving you the flexibility to redeem them whenever you're ready.
- Convert Voyage Miles to Singapore Airlines KrisFlyer miles or redeem them for cash credit and selected lifestyle rewards under OCBC's prevailing redemption programme.
- Enjoy four complimentary Plaza Premium Lounge visits each membership year.
- Pay 0% foreign currency mark-up on overseas spending.
- Receive complimentary travel insurance when you charge your travel expenses to the card, subject to the policy's terms and conditions.
- Access theVoyage Exchangeconcierge service for travel and lifestyle assistance.
How You Earn Voyage Miles
Every eligible retail purchase earns Voyage Miles that can be accumulated without an expiry date.
Eligible local retail spendingearns1 Voyage Mile for every RM5 spent, while eligible overseas retail spendingearns1 Voyage Mile for every RM3 spent. There's no cap on the number of Voyage Miles you can earn, making the card suitable for frequent travellers and higher-spending cardholders.
Because Voyage Miles never expire, you can continue building your balance over time before redeeming them for travel or other eligible rewards.
Redeeming Your Voyage Miles
Voyage Miles can be redeemed through OCBC's rewards programme for a range of travel and lifestyle rewards.
You can convert your Voyage Miles into Singapore Airlines KrisFlyer miles, redeem them for cash credit, or choose from other eligible rewards available under OCBC's prevailing redemption programme. Redemption options and conversion rates are subject to OCBC's current terms and conditions.
Premium Travel Benefits
The OCBC Premier Voyage Mastercard includes several travel privileges designed for frequent travellers.
Cardholders receive four complimentary Plaza Premium Lounge visits each membership year at participating lounges. If you're travelling with companions, they'll also enjoy a discounted lounge entry rate, subject to Plaza Premium Lounge's prevailing terms.
When you charge your eligible travel expenses to the card, you'll also receive complimentary travel insurance of up to USD1 million, subject to the policy's terms and conditions.
The card also offers 0% foreign currency markup on eligible overseas spending, helping reduce the additional costs commonly associated with foreign currency transactions.
For added convenience, cardholders can access the Voyage Exchange concierge service for assistance with selected travel and lifestyle requests.
Fees and Charges
The principal and supplementary cards enjoy a first-year annual fee waiver. From the second year onwards, the annual fee is waived when you spend at least RM80,000 on eligible retail transactions during your membership year. This annual fee waiver is available until 31 December 2026.
- Annual fee (principal): RM750 per year.
- Annual fee (supplementary): RM500 per year.
- Government service tax: RM25 per card upon activation and every anniversary thereafter.
- Cash advance: Interest is charged at 18% p.a. from the transaction date, together with a cash advance fee of 5% of the amount withdrawn or RM20, whichever is higher.
- Minimum monthly payment: The higher of RM50 or 5% of your new balance plus 100% of any contracted instalment amounts, including instalment plans and balance transfers.
- Late payment fee: 1%of your outstanding retail and cash advance balance, or RM10, whichever is higher, capped at RM100.
Cash advances don't have an interest-free period, so interest starts accruing from the day you withdraw cash. Retail purchases are subject to Bank Negara Malaysia's tiered finance charges of 15% p.a., 17% p.a., or 18% p.a., depending on your repayment history.
Eligibility Requirements
To apply for the OCBC Premier Voyage Mastercard, you must:
- Be at least 21 years old.
- Be an eligible OCBC Premier Banking or OCBC Premier Private Client customer.
- Receive an invitation from OCBC to apply for the card.
Application Process
The OCBC Premier Voyage Mastercard isn't available through a standard online credit card application.
If you're an eligible OCBC Premier Banking or OCBC Premier Private Client customer, your Relationship Manager or OCBC representative will guide you through the application process and advise you on any supporting documents required based on your banking relationship and financial profile.