OCBC Titanium MasterCard Pink

What Is the OCBC Titanium Mastercard Pink?

The OCBC Titanium Mastercard (Pink) is a rewards credit card designed for people who enjoy shopping. It rewards eligible shopping transactions with up to 12x OCBC$, while all other eligible retail spending earns 1x OCBC$. OCBC$ can be redeemed as cash credit through the OCBC Malaysia Mobile Banking app.

Whether you're shopping during major online sale campaigns or making purchases throughout the month, the card offers higher OCBC$ earning rates during Double Date campaigns (1.1, 2.2, 3.3 through 12.12) and Pay Day (the 25th of every month).

How Shopping Rewards Work

The OCBC Titanium Mastercard (Pink) rewards eligible shopping transactions with higher OCBC$ earning rates than other retail purchases.

Eligible shopping transactions earn 12x OCBC$ per RM1 during Double Date campaigns and on Pay Day, while eligible shopping transactions made on other days earn 6x OCBC$ per RM1. All other eligible retail spending earns 1x OCBC$ per RM1.

The higher 12x and 6x earning rates share a combined cap of 20,000 OCBC$ per statement cycle. Once you've reached the cap, eligible shopping transactions continue to earn 1x OCBC$ per RM1 until your next statement cycle begins.

Understanding Double Date and Pay Day

Double Date refers to major shopping campaigns held on matching calendar dates throughout the year, from 1.1 to 12.12. Pay Day refers to the 25th of every month, when many retailers also run promotional sales.

Planning your shopping around these dates lets you earn the card's highest OCBC$ rewards on eligible purchases.

Eligible Shopping Transactions

The OCBC Titanium Mastercard (Pink) awards bonus OCBC$ on eligible shopping transactions made at participating merchants within OCBC's qualifying shopping merchant categories, including department stores, fashion and apparel retailers, shoe stores, bag and luggage retailers, jewellery stores, and cosmetic retailers.

OCBC$ aren't awarded for non-retail transactions such as Easy Payment Plan (EPP), Balance Transfer, Call for Cash, Power Credit Cash Plus, Auto Balance Conversion, cash advances, government-related payments, Great Eastern Life and General Insurance premiums, JomPAY, FPX, DuitNow QR transactions, or other fees and charges. Transactions made in the United Kingdom and countries within the European Economic Area (EEA) are also excluded.

Redeeming Your OCBC$

You can redeem your OCBC$ for cash credit through the OCBC Malaysia Mobile Banking app. Open the app, tap the Rewards section, choose your preferred redemption amount, and confirm your request.

OCBC$ remain valid for five years from the date they are earned. Once your redemption is successful, the cash credit will be reflected in your credit card account within seven days.

Fees and Charges

The principal card's annual fee is waived in the first year. From the second year onwards, the annual fee is waived if you spend at least RM20,000 on retail transactions during your membership year. This annual fee waiver is available until 31 December 2026.

• Annual fee (principal): RM75 per year. Waived in the first year, with subsequent annual fee waivers when you meet the annual retail spending requirement.
• Annual fee (supplementary): Free.
• 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 of5% 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.
• Overseas transaction fee: 1.00% on top of the Mastercard currency conversion rate.

Eligibility Requirements

To apply for the OCBC Titanium Mastercard (Pink), you must:

• Be at least 21 years old.
• Earn a minimum annual income of RM48,000.

Required Documents

The documents you'll need depend on your employment status. If OCBC is unable to verify the documents you've submitted, it may request additional supporting documents before processing your application.

Salaried employees at multinational companies, publicly listed companies, government-linked companies, or government agencies

• MyKad (front and back), or passport with a valid work permit for foreigners.
• Latest one month's salary slip (fixed income), or latest three months' salary slips (variable income).

Alternatively:

• Latest EPF statement with at least three months' contributions.
• Latest Borang B/BE or e-Filing with proof of tax payment.

Salaried employees at other companies

• MyKad (front and back), or passport with a valid work permit for foreigners.
• Latest three months' salary slips.
• Latest three months' supporting bank statements.

Alternatively:

• Latest EPF statement with at least three months' contributions.
• Latest Borang B/BE or e-Filing with proof of tax payment.

Self-employed applicants (more than two years in the current business)

• MyKad (front and back), or passport with a valid work permit for foreigners.
• Form 24/29/49.
• Business Registration certificate or printout from SSM, CTOS, or CBM.
• Latest Borang B/BE or e-Filing with proof of tax payment.

Depending on your income:

• Six months' salary slips and supporting bank statements (except sole proprietors).
• Six months' principal business bank statements (shareholding above 50%).
• Latest EPF statement with at least three months' contributions (except sole proprietors).

Commission earners

• MyKad (front and back), or passport with a valid work permit for foreigners.
• Six months' commission statements and supporting bank statements.

Great Eastern agents should instead submit an HR confirmation letter together with their latest Borang B/BE or e-Filing with proof of tax payment.

Foreigners and Malaysians working overseas

• Salaried applicants: latest three months' salary slips and supporting bank statements, or CPF statement (Singaporeans and Malaysian PRs in Singapore), plus a valid work permit or Permanent Resident ID.
• Self-employed applicants: latest tax assessment from the country of employment, plus a valid work permit or Permanent Resident ID.

How to Apply

If you meet the eligibility requirements, prepare the required supporting documents before submitting your application.

When you apply through CompareHero, you can compare the latest credit card promotions in one place. Eligible applicants may also enjoy exclusive sign-up offers when available, subject to the campaign's terms and conditions.