OcbcOcbc Credit Card Mastercard World
Conditions apply
Calculation
- Monthly car-loan repayments: 0.5% cash rebate: HK$5.00
Terms & conditions
Calculation assumptions
- Assumes the full reward limit is still available. Cash rebate on each monthly car-loan repayment
- Potential saving only: confirm all offer conditions, merchant eligibility and activation before purchase.
- Source-stated cash rebate rate for monthly car-loan repayments.
- Limit: 50 HKD · Per Transaction
- Limit applies to: Cash rebate on each monthly car-loan repayment
- Eligible categories: 借貸/分期付款
- The rate is 0.5%; the cash rebate is capped at HK$50 per car-loan repayment transaction.
- The scheme monthly cap is 0.5% multiplied by 5 times the approved credit limit. Temporary limit and limit increases caused by positive credit balance are excluded; no fixed amount is stated.
- Cash rebates are credited to the next statement. No rebate is paid when the total rebate on a statement is below HK$1. The rebate can only offset retail spending or cash advances and cannot be converted to cash.
- The card account must be valid and in good standing when credited. The Bank may forfeit accumulated rebate if the card is cancelled and may amend the rates or terms.
- No rebate applies to cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees or charges, counterfeit or unauthorized transactions, or cancelled or refunded transactions.
- For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000.
- The monthly rebate cap is 0.5% of five times the approved credit limit. Temporary credit limit and extra credit limit induced by credit balance do not count.
- The bank states that entitled cash rebate appears on the next statement after the transaction. Transaction and posting dates can differ because merchant settlement can occur later; the bank has no control over when the merchant records the transaction.
- The source states that HKD 200 spending earns HKD 1 cash rebate under the basic Spending Reward Program.
Monthly car-loan repayments: 0.5% cash rebate
- Eligibility: Audience: all
- Eligible spending: Applies to: 借貸/分期付款 · Type: category
- Benefit limit: Amount: 50 · Applies to: Cash rebate on each monthly car loan repayment · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
- Percentage note: Source stated cash rebate rate for monthly car loan repayments.
- The rate is 0.5%; the cash rebate is capped at HK$50 per car-loan repayment transaction.
- The scheme monthly cap is 0.5% multiplied by 5 times the approved credit limit. Temporary limit and limit increases caused by positive credit balance are excluded; no fixed amount is stated.
- Cash rebates are credited to the next statement. No rebate is paid when the total rebate on a statement is below HK$1. The rebate can only offset retail spending or cash advances and cannot be converted to cash.
- The card account must be valid and in good standing when credited. The Bank may forfeit accumulated rebate if the card is cancelled and may amend the rates or terms.
- No rebate applies to cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees or charges, counterfeit or unauthorized transactions, or cancelled or refunded transactions.
- For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000.
- The monthly rebate cap is 0.5% of five times the approved credit limit. Temporary credit limit and extra credit limit induced by credit balance do not count.
- The bank states that entitled cash rebate appears on the next statement after the transaction. Transaction and posting dates can differ because merchant settlement can occur later; the bank has no control over when the merchant records the transaction.
- The source states that HKD 200 spending earns HKD 1 cash rebate under the basic Spending Reward Program.
Other offers
Online shoppingDesignated online platforms: 6% extra cash rebateCashbackMinimum spending: HK$5,000.00Cap: HK$500.00 · per month——
Category or merchant does not match. • Customer: New customer • The source calls this an extra rebate. The 6% rate applies in the first 3 consecutive months after card issuance for qualifying new cardholders. • Limit: 500 HKD · Per Month • Limit applies to: Rebate per eligible principal cardholder • Eligibility: Phase Spend Min: 5000 • Merchants: amazon, foodpanda, keeta, klook, kkday, taobao, tmall, pinduoduo, jd-com, meituan, dianping • Eligible merchants: amazon, foodpanda, keeta, klook, kkday, taobao, tmall, pinduoduo, jd-com, meituan, dianping • The promotion period is 1 January to 31 December 2026, inclusive. The principal applicant must be a new cardholder who has not held an OCBC credit card, co-branded card or business debit card in the 13 months before approval; the 6% rate also requires approval during the promotion period. • The principal cardholder and supplementary cardholders must accumulate at least HK$5,000 of eligible retail transactions in the calendar month and make a designated-platform purchase in the same month. Transactions must post by the 15th of the following month; foreign-currency spend is converted to HKD at the Bank's rate. • The 6% rate applies for the first 3 consecutive months after card issuance. Each principal cardholder receives the rebate once per calendar month, up to HK$500 per month. • Eligible spend is consolidated across eligible cards, including supplementary cards. The Bank determines eligibility and the rebate amount. • Excluded transactions include instalments and instalment-plan withdrawals, car-loan repayments, cash advances, bill, tax and insurance payments, casino transactions, bank fees and charges, annual fees, online payment systems to designated merchants, stored-value or e-wallet purchases or reloads, financial or non-financial product or service transactions, money transfers, mutual funds, stock contributions, property purchases or instalments, unposted, cancelled or refunded transactions, split bills, unauthorized transactions, fraud and abuse. • The rebate is credited within 90 days after each calendar month, offsets the principal card statement balance only, and cannot be withdrawn as cash, transferred or exchanged. The account must be valid and in good standing at crediting; the Bank may recover rebate after a reversal, cancellation, fraud or abuse. • The offer cannot be combined with other credit-card or business-debit-card promotions, except the Welcome Offer for a new cardholder. • For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000. • Accumulate at least HKD 5,000 in retail spending each month to qualify for the extra rebate on designated online purchase platforms. • The page banner says new cardholders may earn up to HKD 2,000 rewards and up to an extra 6% rebate monthly. The banner does not state the period or confirm how the HKD 2,000 relates to these rebate tiers. • This 6% tier applies in the first three consecutive months after card issuance for a new cardholder.
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Applies to: amazon / foodpanda / keeta / klook / kkday / taobao / tmall / pinduoduo / jd com / meituan / dianping · Type: merchant
- Requirements: Period spend ≥: HK$5,000.00
- Benefit limit: Amount: 500 · Applies to: Rebate per eligible principal cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Percentage note: The source calls this an extra rebate. The 6% rate applies in the first 3 consecutive months after card issuance for qualifying new cardholders.
- The promotion period is 1 January to 31 December 2026, inclusive. The principal applicant must be a new cardholder who has not held an OCBC credit card, co-branded card or business debit card in the 13 months before approval; the 6% rate also requires approval during the promotion period.
- The principal cardholder and supplementary cardholders must accumulate at least HK$5,000 of eligible retail transactions in the calendar month and make a designated-platform purchase in the same month. Transactions must post by the 15th of the following month; foreign-currency spend is converted to HKD at the Bank's rate.
- The 6% rate applies for the first 3 consecutive months after card issuance. Each principal cardholder receives the rebate once per calendar month, up to HK$500 per month.
- Eligible spend is consolidated across eligible cards, including supplementary cards. The Bank determines eligibility and the rebate amount.
- Excluded transactions include instalments and instalment-plan withdrawals, car-loan repayments, cash advances, bill, tax and insurance payments, casino transactions, bank fees and charges, annual fees, online payment systems to designated merchants, stored-value or e-wallet purchases or reloads, financial or non-financial product or service transactions, money transfers, mutual funds, stock contributions, property purchases or instalments, unposted, cancelled or refunded transactions, split bills, unauthorized transactions, fraud and abuse.
- The rebate is credited within 90 days after each calendar month, offsets the principal card statement balance only, and cannot be withdrawn as cash, transferred or exchanged. The account must be valid and in good standing at crediting; the Bank may recover rebate after a reversal, cancellation, fraud or abuse.
- The offer cannot be combined with other credit-card or business-debit-card promotions, except the Welcome Offer for a new cardholder.
- For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000.
- Accumulate at least HKD 5,000 in retail spending each month to qualify for the extra rebate on designated online purchase platforms.
- The page banner says new cardholders may earn up to HKD 2,000 rewards and up to an extra 6% rebate monthly. The banner does not state the period or confirm how the HKD 2,000 relates to these rebate tiers.
- This 6% tier applies in the first three consecutive months after card issuance for a new cardholder.
- Eligible transactions during the promotion period: 2026-01-01 – 2026-12-31
Online shoppingDesignated online platforms: 5% extra cash rebateCashbackMinimum spending: HK$5,000.00Cap: HK$500.00 · per month——
Category or merchant does not match. • Customer: New customer • The source calls this an extra rebate. The 5% rate applies to qualifying new cardholders in subsequent months after the first 3 consecutive months from issuance. • Limit: 500 HKD · Per Month • Limit applies to: Rebate per eligible principal cardholder • Eligibility: Phase Spend Min: 5000 • Merchants: amazon, foodpanda, keeta, klook, kkday, taobao, tmall, pinduoduo, jd-com, meituan, dianping • Eligible merchants: amazon, foodpanda, keeta, klook, kkday, taobao, tmall, pinduoduo, jd-com, meituan, dianping • The promotion period is 1 January to 31 December 2026, inclusive. The principal applicant must be a new cardholder who has not held an OCBC credit card, co-branded card or business debit card in the 13 months before approval; the 6% new-cardholder offer requires approval during the promotion period. • The principal cardholder and supplementary cardholders must accumulate at least HK$5,000 of eligible retail transactions in the calendar month and make a designated-platform purchase in the same month. Transactions must post by the 15th of the following month; foreign-currency spend is converted to HKD at the Bank's rate. • The 5% rate applies in subsequent months after the first 3 consecutive months following issuance. Each principal cardholder receives the rebate once per calendar month, up to HK$500 per month. • Eligible spend is consolidated across eligible cards, including supplementary cards. The Bank determines eligibility and the rebate amount. • Excluded transactions include instalments and instalment-plan withdrawals, car-loan repayments, cash advances, bill, tax and insurance payments, casino transactions, bank fees and charges, annual fees, online payment systems to designated merchants, stored-value or e-wallet purchases or reloads, financial or non-financial product or service transactions, money transfers, mutual funds, stock contributions, property purchases or instalments, unposted, cancelled or refunded transactions, split bills, unauthorized transactions, fraud and abuse. • The rebate is credited within 90 days after each calendar month, offsets the principal card statement balance only, and cannot be withdrawn as cash, transferred or exchanged. The account must be valid and in good standing at crediting; the Bank may recover rebate after a reversal, cancellation, fraud or abuse. • The offer cannot be combined with other credit-card or business-debit-card promotions, except the Welcome Offer for a new cardholder. • For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000. • Accumulate at least HKD 5,000 in retail spending each month to qualify for the extra rebate on designated online purchase platforms. • The page banner says new cardholders may earn up to HKD 2,000 rewards and up to an extra 6% rebate monthly. The banner does not state the period or confirm how the HKD 2,000 relates to these rebate tiers. • This 5% tier applies to a new cardholder after the first three consecutive months following card issuance.
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Applies to: amazon / foodpanda / keeta / klook / kkday / taobao / tmall / pinduoduo / jd com / meituan / dianping · Type: merchant
- Requirements: Period spend ≥: HK$5,000.00
- Benefit limit: Amount: 500 · Applies to: Rebate per eligible principal cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Percentage note: The source calls this an extra rebate. The 5% rate applies to qualifying new cardholders in subsequent months after the first 3 consecutive months from issuance.
- The promotion period is 1 January to 31 December 2026, inclusive. The principal applicant must be a new cardholder who has not held an OCBC credit card, co-branded card or business debit card in the 13 months before approval; the 6% new-cardholder offer requires approval during the promotion period.
- The principal cardholder and supplementary cardholders must accumulate at least HK$5,000 of eligible retail transactions in the calendar month and make a designated-platform purchase in the same month. Transactions must post by the 15th of the following month; foreign-currency spend is converted to HKD at the Bank's rate.
- The 5% rate applies in subsequent months after the first 3 consecutive months following issuance. Each principal cardholder receives the rebate once per calendar month, up to HK$500 per month.
- Eligible spend is consolidated across eligible cards, including supplementary cards. The Bank determines eligibility and the rebate amount.
- Excluded transactions include instalments and instalment-plan withdrawals, car-loan repayments, cash advances, bill, tax and insurance payments, casino transactions, bank fees and charges, annual fees, online payment systems to designated merchants, stored-value or e-wallet purchases or reloads, financial or non-financial product or service transactions, money transfers, mutual funds, stock contributions, property purchases or instalments, unposted, cancelled or refunded transactions, split bills, unauthorized transactions, fraud and abuse.
- The rebate is credited within 90 days after each calendar month, offsets the principal card statement balance only, and cannot be withdrawn as cash, transferred or exchanged. The account must be valid and in good standing at crediting; the Bank may recover rebate after a reversal, cancellation, fraud or abuse.
- The offer cannot be combined with other credit-card or business-debit-card promotions, except the Welcome Offer for a new cardholder.
- For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000.
- Accumulate at least HKD 5,000 in retail spending each month to qualify for the extra rebate on designated online purchase platforms.
- The page banner says new cardholders may earn up to HKD 2,000 rewards and up to an extra 6% rebate monthly. The banner does not state the period or confirm how the HKD 2,000 relates to these rebate tiers.
- This 5% tier applies to a new cardholder after the first three consecutive months following card issuance.
- Eligible transactions during the promotion period: 2026-01-01 – 2026-12-31
Online shoppingDesignated online platforms: 5% extra cash rebateCashbackMinimum spending: HK$5,000.00Cap: HK$500.00 · per month——
Category or merchant does not match. • Customer: Existing customer • The source calls this an extra rebate. The 5% rate applies to existing cardholders. • Limit: 500 HKD · Per Month • Limit applies to: Rebate per eligible principal cardholder • Eligibility: Phase Spend Min: 5000 • Merchants: amazon, foodpanda, keeta, klook, kkday, taobao, tmall, pinduoduo, jd-com, meituan, dianping • Eligible merchants: amazon, foodpanda, keeta, klook, kkday, taobao, tmall, pinduoduo, jd-com, meituan, dianping • The promotion period is 1 January to 31 December 2026, inclusive. The principal cardholder must be an existing cardholder. • The principal cardholder and supplementary cardholders must accumulate at least HK$5,000 of eligible retail transactions in the calendar month and make a designated-platform purchase in the same month. Transactions must post by the 15th of the following month; foreign-currency spend is converted to HKD at the Bank's rate. • Each principal cardholder receives the rebate once per calendar month, up to HK$500 per month. Eligible spend is consolidated across eligible cards, including supplementary cards. The Bank determines eligibility and the rebate amount. • Excluded transactions include instalments and instalment-plan withdrawals, car-loan repayments, cash advances, bill, tax and insurance payments, casino transactions, bank fees and charges, annual fees, online payment systems to designated merchants, stored-value or e-wallet purchases or reloads, financial or non-financial product or service transactions, money transfers, mutual funds, stock contributions, property purchases or instalments, unposted, cancelled or refunded transactions, split bills, unauthorized transactions, fraud and abuse. • The rebate is credited within 90 days after each calendar month, offsets the principal card statement balance only, and cannot be withdrawn as cash, transferred or exchanged. The account must be valid and in good standing at crediting; the Bank may recover rebate after a reversal, cancellation, fraud or abuse. • The offer cannot be combined with other credit-card or business-debit-card promotions. • For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000. • Accumulate at least HKD 5,000 in retail spending each month to qualify for the extra rebate on designated online purchase platforms. • The page banner says new cardholders may earn up to HKD 2,000 rewards and up to an extra 6% rebate monthly. The banner does not state the period or confirm how the HKD 2,000 relates to these rebate tiers. • This 5% tier applies to an existing cardholder.
- Eligibility: Audience: all · Customer status: existing
- Eligible spending: Applies to: amazon / foodpanda / keeta / klook / kkday / taobao / tmall / pinduoduo / jd com / meituan / dianping · Type: merchant
- Requirements: Period spend ≥: HK$5,000.00
- Benefit limit: Amount: 500 · Applies to: Rebate per eligible principal cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Percentage note: The source calls this an extra rebate. The 5% rate applies to existing cardholders.
- The promotion period is 1 January to 31 December 2026, inclusive. The principal cardholder must be an existing cardholder.
- The principal cardholder and supplementary cardholders must accumulate at least HK$5,000 of eligible retail transactions in the calendar month and make a designated-platform purchase in the same month. Transactions must post by the 15th of the following month; foreign-currency spend is converted to HKD at the Bank's rate.
- Each principal cardholder receives the rebate once per calendar month, up to HK$500 per month. Eligible spend is consolidated across eligible cards, including supplementary cards. The Bank determines eligibility and the rebate amount.
- Excluded transactions include instalments and instalment-plan withdrawals, car-loan repayments, cash advances, bill, tax and insurance payments, casino transactions, bank fees and charges, annual fees, online payment systems to designated merchants, stored-value or e-wallet purchases or reloads, financial or non-financial product or service transactions, money transfers, mutual funds, stock contributions, property purchases or instalments, unposted, cancelled or refunded transactions, split bills, unauthorized transactions, fraud and abuse.
- The rebate is credited within 90 days after each calendar month, offsets the principal card statement balance only, and cannot be withdrawn as cash, transferred or exchanged. The account must be valid and in good standing at crediting; the Bank may recover rebate after a reversal, cancellation, fraud or abuse.
- The offer cannot be combined with other credit-card or business-debit-card promotions.
- For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000.
- Accumulate at least HKD 5,000 in retail spending each month to qualify for the extra rebate on designated online purchase platforms.
- The page banner says new cardholders may earn up to HKD 2,000 rewards and up to an extra 6% rebate monthly. The banner does not state the period or confirm how the HKD 2,000 relates to these rebate tiers.
- This 5% tier applies to an existing cardholder.
- Eligible transactions during the promotion period: 2026-01-01 – 2026-12-31
Local diningLocal food and beverage spending: 0.8% cash rebateCashbackCap: 0.5 percent · per month——
Category or merchant does not match. • The source describes this as part of an up-to-0.8% scheme. The 0.8% component applies to the stated category; the other scheme categories have separate rates. • Limit: 0.5 percent · Per Month • Limit applies to: 5 times the approved credit limit, excluding temporary credit limit and extra credit limit induced by credit balance • Eligible categories: 本地餐飲 • The category rate is 0.8%. Internet transactions are excluded from the 0.8% categories. Merchant category is assigned at the discretion of Mastercard and the acquirer. • The scheme monthly cap is 0.5% multiplied by 5 times the approved credit limit. Temporary limit and limit increases caused by positive credit balance are excluded; no fixed amount is stated. • Cash rebates are credited to the next statement. No rebate is paid when the total rebate on a statement is below HK$1. The rebate can only offset retail spending or cash advances and cannot be converted to cash. • The card account must be valid and in good standing when credited. The Bank may forfeit accumulated rebate if the card is cancelled and may amend the rates or terms. • No rebate applies to cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees or charges, counterfeit or unauthorized transactions, or cancelled or refunded transactions. • The 0.3% Sun Life insurance-premium rate applies only to the Sun Life co-brand card and does not apply to this World Mastercard. • For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000. • The monthly rebate cap is 0.5% of five times the approved credit limit. Temporary credit limit and extra credit limit induced by credit balance do not count. • The bank states that entitled cash rebate appears on the next statement after the transaction. Transaction and posting dates can differ because merchant settlement can occur later; the bank has no control over when the merchant records the transaction. • The source states that HKD 125 spending earns HKD 1 cash rebate under the basic Spending Reward Program.
- Eligibility: Audience: all
- Eligible spending: Applies to: 本地餐飲 · Type: category
- Benefit limit: Amount: 0.5 · Applies to: 5 times the approved credit limit, excluding temporary credit limit and extra credit limit induced by credit balance · Period: per month · Type: limited · Unit: percent
- Percentage note: The source describes this as part of an up to 0.8% scheme. The 0.8% component applies to the stated category; the other scheme categories have separate rates.
- The category rate is 0.8%. Internet transactions are excluded from the 0.8% categories. Merchant category is assigned at the discretion of Mastercard and the acquirer.
- The scheme monthly cap is 0.5% multiplied by 5 times the approved credit limit. Temporary limit and limit increases caused by positive credit balance are excluded; no fixed amount is stated.
- Cash rebates are credited to the next statement. No rebate is paid when the total rebate on a statement is below HK$1. The rebate can only offset retail spending or cash advances and cannot be converted to cash.
- The card account must be valid and in good standing when credited. The Bank may forfeit accumulated rebate if the card is cancelled and may amend the rates or terms.
- No rebate applies to cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees or charges, counterfeit or unauthorized transactions, or cancelled or refunded transactions.
- The 0.3% Sun Life insurance-premium rate applies only to the Sun Life co-brand card and does not apply to this World Mastercard.
- For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000.
- The monthly rebate cap is 0.5% of five times the approved credit limit. Temporary credit limit and extra credit limit induced by credit balance do not count.
- The bank states that entitled cash rebate appears on the next statement after the transaction. Transaction and posting dates can differ because merchant settlement can occur later; the bank has no control over when the merchant records the transaction.
- The source states that HKD 125 spending earns HKD 1 cash rebate under the basic Spending Reward Program.
Overseas spendingEligible overseas spending: 0.8% cash rebateCashbackCap: 0.5 percent · per month——
Category or merchant does not match. • The source describes this as part of an up-to-0.8% scheme. The 0.8% component applies to the stated category; the other scheme categories have separate rates. • Limit: 0.5 percent · Per Month • Limit applies to: 5 times the approved credit limit, excluding temporary credit limit and extra credit limit induced by credit balance • Eligible categories: 海外簽賬 • The category rate is 0.8%. Internet transactions and transactions made outside Hong Kong in Hong Kong dollars are excluded from the 0.8% categories. Merchant category is assigned at the discretion of Mastercard and the acquirer. • The scheme monthly cap is 0.5% multiplied by 5 times the approved credit limit. Temporary limit and limit increases caused by positive credit balance are excluded; no fixed amount is stated. • Cash rebates are credited to the next statement. No rebate is paid when the total rebate on a statement is below HK$1. The rebate can only offset retail spending or cash advances and cannot be converted to cash. • The card account must be valid and in good standing when credited. The Bank may forfeit accumulated rebate if the card is cancelled and may amend the rates or terms. • No rebate applies to cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees or charges, counterfeit or unauthorized transactions, or cancelled or refunded transactions. • The 0.3% Sun Life insurance-premium rate applies only to the Sun Life co-brand card and does not apply to this World Mastercard. • For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000. • The monthly rebate cap is 0.5% of five times the approved credit limit. Temporary credit limit and extra credit limit induced by credit balance do not count. • The bank states that entitled cash rebate appears on the next statement after the transaction. Transaction and posting dates can differ because merchant settlement can occur later; the bank has no control over when the merchant records the transaction. • The source states that HKD 125 spending earns HKD 1 cash rebate under the basic Spending Reward Program.
- Eligibility: Audience: all
- Eligible spending: Applies to: 海外簽賬 · Type: category
- Benefit limit: Amount: 0.5 · Applies to: 5 times the approved credit limit, excluding temporary credit limit and extra credit limit induced by credit balance · Period: per month · Type: limited · Unit: percent
- Percentage note: The source describes this as part of an up to 0.8% scheme. The 0.8% component applies to the stated category; the other scheme categories have separate rates.
- The category rate is 0.8%. Internet transactions and transactions made outside Hong Kong in Hong Kong dollars are excluded from the 0.8% categories. Merchant category is assigned at the discretion of Mastercard and the acquirer.
- The scheme monthly cap is 0.5% multiplied by 5 times the approved credit limit. Temporary limit and limit increases caused by positive credit balance are excluded; no fixed amount is stated.
- Cash rebates are credited to the next statement. No rebate is paid when the total rebate on a statement is below HK$1. The rebate can only offset retail spending or cash advances and cannot be converted to cash.
- The card account must be valid and in good standing when credited. The Bank may forfeit accumulated rebate if the card is cancelled and may amend the rates or terms.
- No rebate applies to cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees or charges, counterfeit or unauthorized transactions, or cancelled or refunded transactions.
- The 0.3% Sun Life insurance-premium rate applies only to the Sun Life co-brand card and does not apply to this World Mastercard.
- For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000.
- The monthly rebate cap is 0.5% of five times the approved credit limit. Temporary credit limit and extra credit limit induced by credit balance do not count.
- The bank states that entitled cash rebate appears on the next statement after the transaction. Transaction and posting dates can differ because merchant settlement can occur later; the bank has no control over when the merchant records the transaction.
- The source states that HKD 125 spending earns HKD 1 cash rebate under the basic Spending Reward Program.
OtherOther retail spending: 0.5% cash rebateCashbackCap: 0.5 percent · per month——
Category or merchant does not match. • Source-stated cash rebate rate for other retail transactions in the monthly cash rebate scheme. • Limit: 0.5 percent · Per Month • Limit applies to: 5 times the approved credit limit, excluding temporary credit limit and extra credit limit induced by credit balance • Eligible categories: 其他 • The 0.5% rate applies to other retail transactions. Merchant category is assigned at the discretion of Mastercard and the acquirer. • The scheme monthly cap is 0.5% multiplied by 5 times the approved credit limit. Temporary limit and limit increases caused by positive credit balance are excluded; no fixed amount is stated. • Cash rebates are credited to the next statement. No rebate is paid when the total rebate on a statement is below HK$1. The rebate can only offset retail spending or cash advances and cannot be converted to cash. • The card account must be valid and in good standing when credited. The Bank may forfeit accumulated rebate if the card is cancelled and may amend the rates or terms. • No rebate applies to cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees or charges, counterfeit or unauthorized transactions, or cancelled or refunded transactions. • For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000. • The monthly rebate cap is 0.5% of five times the approved credit limit. Temporary credit limit and extra credit limit induced by credit balance do not count. • The bank states that entitled cash rebate appears on the next statement after the transaction. Transaction and posting dates can differ because merchant settlement can occur later; the bank has no control over when the merchant records the transaction. • The source states that HKD 200 spending earns HKD 1 cash rebate under the basic Spending Reward Program.
- Eligibility: Audience: all
- Eligible spending: Applies to: 其他 · Type: category
- Benefit limit: Amount: 0.5 · Applies to: 5 times the approved credit limit, excluding temporary credit limit and extra credit limit induced by credit balance · Period: per month · Type: limited · Unit: percent
- Percentage note: Source stated cash rebate rate for other retail transactions in the monthly cash rebate scheme.
- The 0.5% rate applies to other retail transactions. Merchant category is assigned at the discretion of Mastercard and the acquirer.
- The scheme monthly cap is 0.5% multiplied by 5 times the approved credit limit. Temporary limit and limit increases caused by positive credit balance are excluded; no fixed amount is stated.
- Cash rebates are credited to the next statement. No rebate is paid when the total rebate on a statement is below HK$1. The rebate can only offset retail spending or cash advances and cannot be converted to cash.
- The card account must be valid and in good standing when credited. The Bank may forfeit accumulated rebate if the card is cancelled and may amend the rates or terms.
- No rebate applies to cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees or charges, counterfeit or unauthorized transactions, or cancelled or refunded transactions.
- For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000.
- The monthly rebate cap is 0.5% of five times the approved credit limit. Temporary credit limit and extra credit limit induced by credit balance do not count.
- The bank states that entitled cash rebate appears on the next statement after the transaction. Transaction and posting dates can differ because merchant settlement can occur later; the bank has no control over when the merchant records the transaction.
- The source states that HKD 200 spending earns HKD 1 cash rebate under the basic Spending Reward Program.
OctopusOctopus automatic add-value reloads: 0.5% cash rebateCashbackCap: 0.5 percent · per month——
Category or merchant does not match. • Source-stated cash rebate rate for Octopus automatic add-value reloads. • Limit: 0.5 percent · Per Month • Limit applies to: 5 times the approved credit limit, excluding temporary credit limit and extra credit limit induced by credit balance • Eligible categories: 八達通 • The rate is 0.5% for Octopus automatic add-value reloads. • The scheme monthly cap is 0.5% multiplied by 5 times the approved credit limit. Temporary limit and limit increases caused by positive credit balance are excluded; no fixed amount is stated. • Cash rebates are credited to the next statement. No rebate is paid when the total rebate on a statement is below HK$1. The rebate can only offset retail spending or cash advances and cannot be converted to cash. • The card account must be valid and in good standing when credited. The Bank may forfeit accumulated rebate if the card is cancelled and may amend the rates or terms. • No rebate applies to cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees or charges, counterfeit or unauthorized transactions, or cancelled or refunded transactions. • For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000. • The monthly rebate cap is 0.5% of five times the approved credit limit. Temporary credit limit and extra credit limit induced by credit balance do not count. • The bank states that entitled cash rebate appears on the next statement after the transaction. Transaction and posting dates can differ because merchant settlement can occur later; the bank has no control over when the merchant records the transaction. • The source states that HKD 200 spending earns HKD 1 cash rebate under the basic Spending Reward Program.
- Eligibility: Audience: all
- Eligible spending: Applies to: 八達通 · Type: category
- Benefit limit: Amount: 0.5 · Applies to: 5 times the approved credit limit, excluding temporary credit limit and extra credit limit induced by credit balance · Period: per month · Type: limited · Unit: percent
- Percentage note: Source stated cash rebate rate for Octopus automatic add value reloads.
- The rate is 0.5% for Octopus automatic add-value reloads.
- The scheme monthly cap is 0.5% multiplied by 5 times the approved credit limit. Temporary limit and limit increases caused by positive credit balance are excluded; no fixed amount is stated.
- Cash rebates are credited to the next statement. No rebate is paid when the total rebate on a statement is below HK$1. The rebate can only offset retail spending or cash advances and cannot be converted to cash.
- The card account must be valid and in good standing when credited. The Bank may forfeit accumulated rebate if the card is cancelled and may amend the rates or terms.
- No rebate applies to cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees or charges, counterfeit or unauthorized transactions, or cancelled or refunded transactions.
- For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000.
- The monthly rebate cap is 0.5% of five times the approved credit limit. Temporary credit limit and extra credit limit induced by credit balance do not count.
- The bank states that entitled cash rebate appears on the next statement after the transaction. Transaction and posting dates can differ because merchant settlement can occur later; the bank has no control over when the merchant records the transaction.
- The source states that HKD 200 spending earns HKD 1 cash rebate under the basic Spending Reward Program.
OtherOCBC World Mastercard: HK$300 welcome cash rebateCashbackMinimum spending: HK$4,800.00——
New-customer offers are excluded from this purchase comparison. • Customer: New customer • For the HKD 4,800 minimum spend within 3 months: HKD 300 / HKD 4,800 × 100 = 6.25%. Both amounts use the same currency (HKD). The result is exact at 6.25% (no rounding needed). This threshold-equivalent rate decreases as eligible spend exceeds the minimum. • Limit applies to: Welcome cash rebate • Eligibility: Phase Spend Min: 4800 • Applies to all eligible spending, subject to the conditions. • The principal applicant must not have held an OCBC credit card, including a co-branded card, in the 13 months before the approval date. • The principal and supplementary cardholders must make at least HK$4,800 of eligible spend within 3 months after card issuance. Eligible spend includes retail purchases and cash advances. • Eligible spend excludes instalment amounts, bill payments, unposted, cancelled, refunded, fraudulent or unauthorized transactions, car-loan repayments, and e-wallet reloads including PayMe, WeChat Pay and Alipay. • The rebate is credited to the principal card account within 8 weeks after the qualifying spend, based on transaction post date. The account must be valid, non-delinquent and in good financial standing at crediting; otherwise the Bank may forfeit the offer. • The applicant can receive the welcome offer once. If multiple OCBC cards are approved from simultaneous applications, the first approved card determines the offer. • The rebate is not transferable, returnable or redeemable for cash. If the principal cardholder cancels within 1 year of issuance after the rebate is credited, HK$488 is charged to the principal account without prior notice. • The application form states an annual income requirement of HK$250,000 for the World Mastercard. Applicants below the requirement may be processed as Classic without notice; this offer applies only if the target World Mastercard is approved. • For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000. • Minimum total spending of HKD 4,800 within three months from the card issuance date.
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Type: all
- Requirements: Period spend ≥: HK$4,800.00
- Benefit limit: Applies to: Welcome cash rebate · Period: not stated · Type: not stated
- Percentage note: For the HKD 4,800 minimum spend within 3 months: HKD 300 / HKD 4,800 × 100 = 6.25%. Both amounts use the same currency (HKD). The result is exact at 6.25% (no rounding needed). This threshold equivalent rate decreases as eligible spend exceeds the minimum.
- The principal applicant must not have held an OCBC credit card, including a co-branded card, in the 13 months before the approval date.
- The principal and supplementary cardholders must make at least HK$4,800 of eligible spend within 3 months after card issuance. Eligible spend includes retail purchases and cash advances.
- Eligible spend excludes instalment amounts, bill payments, unposted, cancelled, refunded, fraudulent or unauthorized transactions, car-loan repayments, and e-wallet reloads including PayMe, WeChat Pay and Alipay.
- The rebate is credited to the principal card account within 8 weeks after the qualifying spend, based on transaction post date. The account must be valid, non-delinquent and in good financial standing at crediting; otherwise the Bank may forfeit the offer.
- The applicant can receive the welcome offer once. If multiple OCBC cards are approved from simultaneous applications, the first approved card determines the offer.
- The rebate is not transferable, returnable or redeemable for cash. If the principal cardholder cancels within 1 year of issuance after the rebate is credited, HK$488 is charged to the principal account without prior notice.
- The application form states an annual income requirement of HK$250,000 for the World Mastercard. Applicants below the requirement may be processed as Classic without notice; this offer applies only if the target World Mastercard is approved.
- For the World Card, applicants must be at least 18 years old and have annual income of HKD 250,000.
- Minimum total spending of HKD 4,800 within three months from the card issuance date.
Loans and installmentsFlexi-Money interest-free installment plan（優惠值未列明）Financing——
This benefit does not apply to a purchase. • Source did not include full programme terms in the supplied files. • The retained HTML states that the plan provides instant cash with flexible, interest-free repayments. • Amount, eligibility, repayment period, fees, and other plan terms are not stated in the retained HTML. The linked details page is not retained.
- Eligibility: Audience: all
- Eligible spending: Type: not applicable
- Benefit limit: Period: not stated · Type: not stated
- Percentage note: Source did not include full programme terms in the supplied files.
- The retained HTML states that the plan provides instant cash with flexible, interest-free repayments.
- Amount, eligibility, repayment period, fees, and other plan terms are not stated in the retained HTML. The linked details page is not retained.
OtherHK$10 monthly paper-statement fee waiverConditions applyFee Waiverother——
This benefit does not apply to a purchase. • Audience: other; Document: For CSSA recipients, Government Disability Allowance recipients and Bank-designated customers, self-declaration and/or supporting documents are required; the principal cardholder must qualify. • Limit applies to: Monthly paper statement fee • Application, registration or activation required. See conditions. • The monthly paper statement fee is waived for customers aged below 18 or aged 65 or above, recipients of Comprehensive Social Security Assistance or Government Disability Allowance, and customers designated by the Bank, including low-income earners. • Customers in groups 2 and/or 3 must apply proactively by self-declaration and/or supporting documents. Exemption applies only if the principal cardholder is eligible. The fee does not apply to corporate or supplementary cards.
- Eligibility: Audience: other · Document: For CSSA recipients, Government Disability Allowance recipients and Bank designated customers, self declaration and/or supporting documents are required; the principal cardholder must qualify.
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: Monthly paper statement fee · Period: not stated · Type: not stated
- Application or registration is required.
- The monthly paper statement fee is waived for customers aged below 18 or aged 65 or above, recipients of Comprehensive Social Security Assistance or Government Disability Allowance, and customers designated by the Bank, including low-income earners.
- Customers in groups 2 and/or 3 must apply proactively by self-declaration and/or supporting documents. Exemption applies only if the principal cardholder is eligible. The fee does not apply to corporate or supplementary cards.
Loans and installmentsRetail purchases: up to 54-day interest-free periodFinancing——
This benefit does not apply to a purchase. • Limit applies to: Interest-free period on retail purchases • No interest is charged when the full statement balance is paid by the payment due date. The period length depends on when the purchase is made in the statement cycle. • No interest-free period applies to cash advances or balance transfers.
- Eligibility: Audience: all
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: Interest free period on retail purchases · Period: not stated · Type: not stated
- No interest is charged when the full statement balance is paid by the payment due date. The period length depends on when the purchase is made in the statement cycle.
- No interest-free period applies to cash advances or balance transfers.
