Ocbc Credit Card Mastercard World
- Bank
- OCBC Bank (Hong Kong)
- Issuer
- Ocbc
- Annual fee
- Income requirement
- Network
- Verified date
- Official website
Saving by category
Estimated saving at the selected amount. Conditions apply. Blank values have no supported estimate.
| Category | Saved percentage | Conditions |
|---|---|---|
| Dining | ||
| Fine dining | ||
| Local dining | ||
| Fast food | ||
| Food delivery | ||
| Cafés, bakeries and desserts | ||
| Groceries | ||
| Markets | ||
| Supermarkets | ||
| Convenience stores | ||
| Shopping | ||
| Fashion | ||
| Sports and outdoors | ||
| Department stores | ||
| Electronics | ||
| Home and furniture | ||
| Jewellery and watches | ||
| Books and stationery | ||
| Pet supplies | ||
| Online shopping | 5% | Conditions and calculation
Designated online platforms — 5% extra cash rebate: 5%
|
| Overseas online shopping | 5% | Conditions and calculation
Designated online platforms — 5% extra cash rebate: 5%
|
| Local online shopping | 5% | Conditions and calculation
Designated online platforms — 5% extra cash rebate: 5%
|
| Online groceries | 5% | Conditions and calculation
Designated online platforms — 5% extra cash rebate: 5%
|
| Online fashion and sports | 5% | Conditions and calculation
Designated online platforms — 5% extra cash rebate: 5%
|
| Transport | ||
| Local transport | ||
| Parking | ||
| Fuel and EV charging | ||
| Taxis, rides and car rental | ||
| Travel | ||
| Hotels | ||
| Travel bookings | ||
| Airlines | ||
| Travel agencies | ||
| Entertainment | ||
| Cinemas | ||
| Games | ||
| Streaming | ||
| Theme parks and attractions | ||
| Concerts and tickets | ||
| Bills and utilities | ||
| Telecommunications | ||
| Government payments | ||
| Electricity and gas | ||
| Water | ||
| Health and wellness | ||
| Medical services | ||
| Pharmacies and supplements | ||
| Fitness | ||
| Beauty and personal care | ||
| Education | ||
| Tuition and courses | ||
| Overseas spending | ||
| Mainland China spending | ||
| Macau spending | ||
| E-wallet spending | ||
| E-wallet top-ups | ||
| WeChat Pay | ||
| AlipayHK | ||
| Octopus | ||
| PayMe | ||
| Mobile payments | ||
| Google Pay | ||
| Apple Pay | ||
| Samsung Pay | ||
| Insurance | ||
| Rent | ||
| Charitable donations | ||
| Loans and installments | 0.5% | Conditions and calculation
Monthly car loan repayments — up to 0.5% cash rebate: 0.5%
|
| Other |
Promotion offers and card offers are separate. Combined eligibility is not assumed.
Promotion offers (3)
Designated online platforms — 6% extra cash rebate6%savingConditions applyCashbackPeriod LimitedMinimum spending: HK$5,000.00Cap: HK$500.00 · per month
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Applies to: amazon / food panda / 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 under this promotion per eligible cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Application or registration is required.
- New principal cardholders receive 6% extra rebate for the first three consecutive months after card issuance; applicants must not have held an OCBC credit card or business debit card in the prior 13 months.
- Eligible retail spending must reach HKD 5,000 in the same calendar month. Supplementary-card spending combines under the principal cardholder.
- Transactions must post by the 15th of the next month. Credit is made within 90 days after month end to an eligible account in good standing; the rebate offsets the statement and cannot be withdrawn. Reversed transactions may cause clawback.
- Exclusions include instalments, car-loan repayments, cash advances, bills, tax, insurance, casino, fees, stored value, e-wallets, financial or non-financial institution transactions, transfers, funds, stocks, property, split bills, and reversed, unposted, fraudulent, or unauthorised transactions.
- The terms prohibit combination with other card promotions except the welcome offer. OCBC may amend or end the promotion.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
- C45 designated online rebate promotion: 2026-01-01 – 2026-12-31
Designated online platforms — 5% extra cash rebate5%savingConditions applyCashbackPeriod LimitedMinimum spending: HK$5,000.00Cap: HK$500.00 · per month
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Applies to: amazon / food panda / 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 under this promotion per eligible cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Application or registration is required.
- New principal cardholders receive 5% extra rebate after the first three consecutive months from card issuance; applicants must not have held an OCBC credit card or business debit card in the prior 13 months.
- Eligible retail spending must reach HKD 5,000 in the same calendar month. Supplementary-card spending combines under the principal cardholder.
- Transactions must post by the 15th of the next month. Credit is made within 90 days after month end to an eligible account in good standing; the rebate offsets the statement and cannot be withdrawn. Reversed transactions may cause clawback.
- Exclusions include instalments, car-loan repayments, cash advances, bills, tax, insurance, casino, fees, stored value, e-wallets, financial or non-financial institution transactions, transfers, funds, stocks, property, split bills, and reversed, unposted, fraudulent, or unauthorised transactions.
- The terms prohibit combination with other card promotions except the welcome offer. OCBC may amend or end the promotion.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
- C45 designated online rebate promotion: 2026-01-01 – 2026-12-31
Designated online platforms — 5% extra cash rebate5%savingCashbackPeriod LimitedMinimum spending: HK$5,000.00Cap: HK$500.00 · per month
- Eligibility: Audience: all · Customer status: existing
- Eligible spending: Applies to: amazon / food panda / 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 under this promotion per eligible cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Existing cardholders receive 5% extra rebate.
- Eligible retail spending must reach HKD 5,000 in the same calendar month. Supplementary-card spending combines under the principal cardholder.
- Transactions must post by the 15th of the next month. Credit is made within 90 days after month end to an eligible account in good standing; the rebate offsets the statement and cannot be withdrawn. Reversed transactions may cause clawback.
- Exclusions include instalments, car-loan repayments, cash advances, bills, tax, insurance, casino, fees, stored value, e-wallets, financial or non-financial institution transactions, transfers, funds, stocks, property, split bills, and reversed, unposted, fraudulent, or unauthorised transactions.
- The terms prohibit combination with other card promotions except the welcome offer. OCBC may amend or end the promotion.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
- C45 designated online rebate promotion: 2026-01-01 – 2026-12-31
Credit card offers (14)
Designated online platforms — 6% extra cash rebate6%savingConditions applyCashbackPeriod LimitedMinimum spending: HK$5,000.00Cap: HK$500.00 · per month
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Applies to: amazon / food panda / 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 under this promotion per eligible cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Application or registration is required.
- New principal cardholders receive 6% extra rebate for the first three consecutive months after card issuance; applicants must not have held an OCBC credit card or business debit card in the prior 13 months.
- Eligible retail spending must reach HKD 5,000 in the same calendar month. Supplementary-card spending combines under the principal cardholder.
- Transactions must post by the 15th of the next month. Credit is made within 90 days after month end to an eligible account in good standing; the rebate offsets the statement and cannot be withdrawn. Reversed transactions may cause clawback.
- Exclusions include instalments, car-loan repayments, cash advances, bills, tax, insurance, casino, fees, stored value, e-wallets, financial or non-financial institution transactions, transfers, funds, stocks, property, split bills, and reversed, unposted, fraudulent, or unauthorised transactions.
- The terms prohibit combination with other card promotions except the welcome offer. OCBC may amend or end the promotion.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
- C45 designated online rebate promotion: 2026-01-01 – 2026-12-31
Designated online platforms — 5% extra cash rebate5%savingConditions applyCashbackPeriod LimitedMinimum spending: HK$5,000.00Cap: HK$500.00 · per month
- Eligibility: Audience: all · Customer status: new
- Eligible spending: Applies to: amazon / food panda / 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 under this promotion per eligible cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Application or registration is required.
- New principal cardholders receive 5% extra rebate after the first three consecutive months from card issuance; applicants must not have held an OCBC credit card or business debit card in the prior 13 months.
- Eligible retail spending must reach HKD 5,000 in the same calendar month. Supplementary-card spending combines under the principal cardholder.
- Transactions must post by the 15th of the next month. Credit is made within 90 days after month end to an eligible account in good standing; the rebate offsets the statement and cannot be withdrawn. Reversed transactions may cause clawback.
- Exclusions include instalments, car-loan repayments, cash advances, bills, tax, insurance, casino, fees, stored value, e-wallets, financial or non-financial institution transactions, transfers, funds, stocks, property, split bills, and reversed, unposted, fraudulent, or unauthorised transactions.
- The terms prohibit combination with other card promotions except the welcome offer. OCBC may amend or end the promotion.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
- C45 designated online rebate promotion: 2026-01-01 – 2026-12-31
Designated online platforms — 5% extra cash rebate5%savingCashbackPeriod LimitedMinimum spending: HK$5,000.00Cap: HK$500.00 · per month
- Eligibility: Audience: all · Customer status: existing
- Eligible spending: Applies to: amazon / food panda / 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 under this promotion per eligible cardholder · Currency: HKD · Period: per month · Type: limited · Unit: currency
- Existing cardholders receive 5% extra rebate.
- Eligible retail spending must reach HKD 5,000 in the same calendar month. Supplementary-card spending combines under the principal cardholder.
- Transactions must post by the 15th of the next month. Credit is made within 90 days after month end to an eligible account in good standing; the rebate offsets the statement and cannot be withdrawn. Reversed transactions may cause clawback.
- Exclusions include instalments, car-loan repayments, cash advances, bills, tax, insurance, casino, fees, stored value, e-wallets, financial or non-financial institution transactions, transfers, funds, stocks, property, split bills, and reversed, unposted, fraudulent, or unauthorised transactions.
- The terms prohibit combination with other card promotions except the welcome offer. OCBC may amend or end the promotion.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
- C45 designated online rebate promotion: 2026-01-01 – 2026-12-31
Local food and beverage spending — up to 0.8% cash rebateUp to0.8%savingCashbackCap: 0.5 percent · per month
- Eligibility: Audience: all
- Eligible spending: Applies to: 本地餐飲 · Type: category
- Benefit limit: Amount: 0.5 · Applies to: monthly Spending Reward Program rebates; 0.5% of five times the approved credit limit · Period: per month · Type: limited · Unit: percent
- HKD 125 eligible spending earns HKD 1 rebate.
- The monthly rebate cap is 0.5% of five times the approved credit limit; temporary limits and increases caused by a credit balance are excluded.
- Eligibility uses card-network and acquirer category codes. The rebate is credited to the next statement, has a HKD 1 minimum, offsets the statement, and is not cash. The account must be in good standing; cancellation can forfeit rebates. Common programme exclusions and change terms apply.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
- Excludes cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees and charges, fraudulent or unauthorised transactions, and cancelled or refunded transactions.
Overseas spending — up to 0.8% cash rebateUp to0.8%savingCashbackCap: 0.5 percent · per month
- Eligibility: Audience: all
- Eligible spending: Applies to: 海外簽賬 · Type: category
- Benefit limit: Amount: 0.5 · Applies to: monthly Spending Reward Program rebates; 0.5% of five times the approved credit limit · Period: per month · Type: limited · Unit: percent
- HKD 125 eligible spending earns HKD 1 rebate. Overseas internet transactions and overseas transactions settled in HKD are excluded.
- The monthly rebate cap is 0.5% of five times the approved credit limit; temporary limits and increases caused by a credit balance are excluded.
- Eligibility uses card-network and acquirer category codes. The rebate is credited to the next statement, has a HKD 1 minimum, offsets the statement, and is not cash. The account must be in good standing; cancellation can forfeit rebates. Common programme exclusions and change terms apply.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
- Excludes cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees and charges, fraudulent or unauthorised transactions, and cancelled or refunded transactions.
Other retail spending — up to 0.5% cash rebateUp to0.5%savingCashbackCap: 0.5 percent · per month
- Eligibility: Audience: all
- Eligible spending: Applies to: 其他 · Type: category
- Benefit limit: Amount: 0.5 · Applies to: monthly Spending Reward Program rebates; 0.5% of five times the approved credit limit · Period: per month · Type: limited · Unit: percent
- HKD 200 eligible spending earns HKD 1 rebate.
- The monthly rebate cap is 0.5% of five times the approved credit limit; temporary limits and increases caused by a credit balance are excluded.
- Eligibility uses card-network and acquirer category codes. The rebate is credited to the next statement, has a HKD 1 minimum, offsets the statement, and is not cash. The account must be in good standing; cancellation can forfeit rebates. Common programme exclusions and change terms apply.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
- Excludes cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees and charges, fraudulent or unauthorised transactions, and cancelled or refunded transactions.
Monthly car loan repayments — up to 0.5% cash rebateUp to0.5%savingCashbackCap: HK$50.00 · per transaction
- Eligibility: Audience: all
- Eligible spending: Applies to: 借貸/分期付款 · Type: category
- Benefit limit: Amount: 50 · Applies to: Cash rebate for each monthly car loan repayment transaction · Currency: HKD · Period: per transaction · Type: limited · Unit: currency
- HKD 200 eligible spending earns HKD 1 rebate. The general monthly programme cap is 0.5% of five times the approved credit limit; temporary limits and increases caused by a credit balance are excluded.
- Car-loan rebate is capped at HKD 50 per transaction.
- Eligibility uses card-network and acquirer category codes. The rebate is credited to the next statement, has a HKD 1 minimum, offsets the statement, and is not cash. The account must be in good standing; cancellation can forfeit rebates. Common programme exclusions and change terms apply.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
- Excludes cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees and charges, fraudulent or unauthorised transactions, and cancelled or refunded transactions.
Octopus Automatic Add-Value reloads — up to 0.5% cash rebateUp to0.5%savingCashbackCap: 0.5 percent · per month
- Eligibility: Audience: all
- Eligible spending: Applies to: 八達通 · Type: category
- Benefit limit: Amount: 0.5 · Applies to: monthly Spending Reward Program rebates; 0.5% of five times the approved credit limit · Period: per month · Type: limited · Unit: percent
- HKD 200 eligible spending earns HKD 1 rebate.
- The monthly rebate cap is 0.5% of five times the approved credit limit; temporary limits and increases caused by a credit balance are excluded.
- Eligibility uses card-network and acquirer category codes. The rebate is credited to the next statement, has a HKD 1 minimum, offsets the statement, and is not cash. The account must be in good standing; cancellation can forfeit rebates. Common programme exclusions and change terms apply.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
- Excludes cash advances, cash instalment plans except merchant interest-free instalments, bill payments, balance transfers, casino transactions, fees and charges, fraudulent or unauthorised transactions, and cancelled or refunded transactions.
OCBC Credit Card — HKD 300 welcome cash rebate300HKD savingConditions applyCashbackMinimum spending: HK$4,800.00
- 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: HKD 300 ÷ HKD 4,800 × 100 = 6.25%, rounded to two decimal places. This is the threshold equivalent rate at the minimum qualifying spend. The effective rate decreases when eligible spend exceeds HKD 4,800.
- Application or registration is required.
- Principal applicants must not have held an OCBC credit card, including a co-branded card, in the prior 13 months.
- Principal and supplementary spending must total HKD 4,800 within three months from card issuance. Eligible retail purchases and cash advances count; instalments, bills, unposted, cancelled, refunded, fraudulent, or unauthorised transactions, car-loan repayments, and e-wallet reloads do not.
- Credit is made within eight weeks after qualifying spend. The account must be valid, not delinquent, and in good standing. One welcome offer applies; simultaneous applications use the first approved card. The rebate is not transferable or cash.
- Cancellation within one year after rebate credit incurs an HKD 488 charge.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
World Mastercard — HKD 1,800 annual fee waived1,800HKD savingConditions applyFee Waiver
- Eligibility: Audience: all
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: World Mastercard principal annual fee · Period: not stated · Type: not stated
- Application or registration is required.
- The annual fee is waived for the first three years for the World Mastercard principal cardholder. The stated annual fee is HKD 1,800.
- Supplementary-card waiver scope is not stated.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
Flexi-Money — interest-free installment repayments（優惠值未列明）—Value not statedFinancing
- Eligibility: Audience: all
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: Flexi Money plan · Period: not stated · Type: not stated
- The page describes instant cash with flexible, interest-free repayments and advises customers to borrow only if they can repay.
- The amount, repayment period, fees, eligibility, and application steps are not stated in the retained HTML.
- World Mastercard applicants must be 18+ and meet the World Card minimum annual income of HKD 250,000.
Monthly HKD 10 paper statement fee waiver — age 65 or above10HKD savingFee Waiversenior
- Eligibility: Audience: senior
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: monthly paper statement fee · Period: not stated · Type: not stated
- The principal cardholder must qualify for the exemption. The waiver does not apply to corporate or supplementary cards.
Monthly HKD 10 paper statement fee waiver — eligible assistance recipients10HKD savingConditions applyFee Waiverother
- Eligibility: Audience: other · Document: Self declaration and relevant supporting documents are required.
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: monthly paper statement fee · Period: not stated · Type: not stated
- Application or registration is required.
- Applies to recipients of CSSA or Government Disability Allowance, and other low-income customers designated by the Bank.
- The principal cardholder must qualify for the exemption. The waiver does not apply to corporate or supplementary cards.
Retail purchases — up to 54 days interest-freeUp to54days quantityFinancing
- Eligibility: Audience: all
- Eligible spending: Type: not applicable
- Benefit limit: Applies to: retail purchase interest free period · Period: not stated · Type: not stated
- Retail purchases are interest-free if the full statement balance is paid by the due date; the actual period depends on the purchase date in the cycle.
- Cash advances and balance transfers do not receive an interest-free period.