Best for Frequent Travelers Who Wants Versatile Rewards
OCBC 90°N Credit Card
Cashback
Every S$1 Oversea Spent
Every S$1 Spent Locally
Access
The OCBC 90°N Card is one of the best miles cards on the market. With up to 2.1% cashback or 2.1 miles for overseas spending, it will make any frequent traveler want to keep it around even after the promo’s end. Plus, there are no conversion fees and the rewards never expire!
Best for frequent travelers who are seeking flexible rewards from miles to cash rebates and more.
OCBC 90°N Credit Card Rewards
Key Features
- Cashback option: 1.2% cashback on local transactions, 2.1% cashback on overseas transaction
- Miles option: Earn 2.1 miles for every S$1 foreign currency spend, 1.2 miles for every S$1 spent locally
- Miles have no expiry and no conversion fee
- No minimum spending and no caps
- Access to Mastercard Airport Experiences
Air Miles
- Up to 7 miles per S$1 on bookings made in foreign currency
- Up to 6 miles per S$1 on bookings made in local currency
- Booking period: 24 July 2020 – 30 November 2022
Miles are awarded for every S$5 spent per transaction. Booking must be done via Agoda.
Overseas Spending
- 2.1 miles for every S$1 spent overseas
- No minimum monthly spend requirement
- No cap on the number of miles earned per month
- 3.25% foreign currency transaction fee
Shopping
- 1.2 miles for every S$1 spent locally
- No minimum monthly spend requirement
- No cap on the number of miles earned per month
Entertainment
- 1.2 miles for every S$1 spent locally
- No minimum monthly spend requirement
- No cap on the number of miles earned per month
Buffet Promotion
- 1-for-1 hotel buffet promotions including Sun’s Café at Hotel Grand Pacific
- Up to 30% off at selected restaurants
- Earn 1.2 miles per S$1 spent on local dining
Pros & Cons
Pros
- Offers versatile rewards – cashback or miles
- Unlimited 1.2% cashback for local spend and 2.1% cashback for overseas transactions
- No conversion fees and rewards never expire
- Annual bonus worth S$100: or 10K miles
Cons
- Local cashback rates are less competitive
- No category-specific rewards boost
- Perks are limited to discount lounge access
How to Apply
Age Requirement
21 years old and above
Minimum Annual Income
Singapore and Permanent Residents
S$30,000
Foreigners
S$45,000
Fees and Charges
| Annual Fee | S$192.60 |
| Fee waiver | Waive for First Year |
| Annual Interest Rate | 26.88% p.a. |
| Late Payment Fee | $100 |
| Cash Advance Fee | $15 or 6%, whichever is highest |
| Minimum Monthly Spend: | S$0 |
| Minimum Monthly Payment: | S$50 or 3%, whichever is higher |
| Foreign Currency Transaction Fee | 3.25% |
Income Documents
- Singaporeans / Permanent Residents with SingPass credentials can use Myinfo to apply
- For instant approval, log in to Myinfo using Singpass
- Foreigners or Singaporeans/PRs with no access to Singpass will need to fill up an online application form
Disclaimer: This information may differ from what you see when you visit other financial service websites or the product’s official site, but Loan Advisor continues to keep every detail updated and accurate. This site may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored will always be based on objective analysis.
How Does It Compare With Other Credit Cards In Singapore?
Credit Card | Rewards | Cashback | Annual Interest | Minimum Spend | Minimum Income Requirement |
OCBC 90°N Card | S$1= 2.1 miles on overseas spend
S$1= 1.2 miles on local spend | 2.1% cashback on overseas spend
1.2% cashback on local spend
| S$192.60 | S$0 | Singaporean/PR: S$30,000 Foreigner: S$45,000 |
Citi Cash Back Card+ Mastercard |
| 1.6% cashback on eligible spend
Unlimited cashback cap | 26.90% | S$0 | Singaporean/PR: S$30,000 Foreigner: S$42,000 |
HSBC Visa Platinum Credit Card |
| 5% cashback on Dining, Groceries, & Petrol
Cashback capped at S$250 | 25.90% | S$600 | Singaporean/PR: S$30,000 Foreigner: S$40,000 |
Citi Cash Back |
| Up to 8% cashback on dining, groceries, and petrol
Up to 20.88% savings from Shell & Esso
Cashback capped at S$80 per category per month | 26.90% | S$800 | Singaporean/PR: S$30,000 Foreigner: S$42,000 |
Standard Chartered Unlimited Cashback Credit Card |
| Up to 1.5% cashback on eligible spend
Unlimited cashback cap | 26.90% | S$0 | Singaporean/PR: S$30,000 Foreigner: S$60,000 |
American Express Singapore Airlines KriFlyer Credit Card | S$1=1.1 Miles on local spend
S$1=2 miles on overseas spend
S$1= 3.1 miles on Grab rides | N/A | 26.90% | S$0 | Singaporean/PR: S$30,000 Foreigner: S$60,000 |
Benefits and Challenges
OCBC 90°N Card is perfect for those who want to earn a mix of cashback and miles. This credit card rewards cardholders with Travel$ 1=1 KrisFlyer mile. You can earn 2.1 miles per S$1 spent on foreign currencies and 1.2 miles per S$1 spent locally.
Additional advantages:
- You can turn your miles to cash rebates
- No minimum spend required and no caps.
- Earn a renewal bonus of 10K Travel$ bonus miles every year when you pay the moderate S$192.6 annual fee.
- You can redeem the 10K Travel$ for a S$100 cash rebate or 10,000 air miles.
You can use the cash rebates to instantly offset your credit card bills. Additionally, miles chasers may want to take a look at the expiry dates and the conversion rates. Fortunately, with the OCBC 90°N Card, rewards do not expire and there are no conversion fees.
With all these outstanding features, is there any drawback to using the OCBC 90°N Card?
Disadvantages:
- Rewards earn rate for local spend is less competitive.
- Travel$ is not a flexible miles currency.
- Travel$ can only be converted to miles through the KrisFlyer Miles Redemption Program. You can’t use your miles under other frequent flyer programs.
- No airport lounge benefits. However, you may download the Mastercard Airport Experiences app to gain access to more than a thousand airport lounges worldwide.
Our Verdict
OCBC 90°N Card stands out as a sustainable long-term miles card that you will want to keep around. It offers attractive rewards if you’re a frequent traveler and want versatile rewards.
Unlike most miles cards, you can redeem your Travel$ rewards for air miles or cash rebates for instant savings. On top of that, it also has a competitive KrisFlyer miles earning rate compared to AMEX KrisFlyer Credit Card.
However, if you enjoy travel perks, such as free airport lounge access, complimentary hotel bookings, or other luxury perks, it’s best to look for a different miles card.
OCBC 90°N Card Frequently Asked Questions
What Transactions Fall Under "Local Spend" and "Overseas Spend"?
When you use your OCBC 90°N Card for transactions in Singapore dollars, it’s called a “local spend”. On the other hand, if you use your credit card overseas or on online transactions in foreign currencies, it’s called “overseas spend”.
What Is Travel$ and What Is It For?
Travel$ is basically a rewards currency unique to OCBC 90°N Card. Travel$ is awarded to the cardmember based on the amount of each card transaction.
It can be used to redeem miles, cash rebates, vouchers, or other rewards listed on the product catalog. This is rewarded to all OCBC 90°N Card cardmembers.
Is There a Cap On The Travel$ Earned Every Month?
There’s no cap on the amount of Travel$ you can earn each month.
Transaction Date vs. Posting Date- What's The Difference?
The transaction date is the date of purchase.
Posting date is the date the transaction is received by the card issuer, in this case, OCBC Bank.
That said, the posting date may be several days later than the transaction date. This is because some merchants may make a settlement a few days after the transaction was made.
Conclusion
Key Takeaways:
- OCBC 90°N Card rewards cardholders with Travel$1=1 KrisFlyer mile.
- Cardholders can earn 2.1 miles per S$1 foreign currency transaction and 1.2 miles per S$1 local spend.
- Unlike most miles cards, cardholders can redeem your Travel$ rewards for air miles or cash rebates for instant savings.
- With OCBC 90°N Card, the rewards never expire and there are no conversion fee
OCBC 90°N Card is a great entry-level miles card, offering competitive earn rates for overseas spending. Plus, it doesn’t have a minimum spend requirement and no cap on the number of miles you can earn every month. That said, it’s a very attractive miles card choice.
But just like any type of credit card, you need to be mindful of your spending. Letting your credit card debt snowball can lead to financial troubles.
If you find yourself in need of cash to pay for credit card debt, you may seek the loan services of a licensed moneylender in Singapore. To find the best deals, request up to three loan quotes at Loan Advisor. They are the top loan comparison website in Singapore, offering the most up-to-date information about the best licensed moneylenders.
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