OCBC 90°N Credit Card Review: Miles with no expiry on every spend

Travellers in Singapore know the value of a good air miles credit card — but many face the same frustrations: expiring miles, confusing reward conversions, and limits on how much they can actually earn. That’s where the OCBC 90°N Credit Card stands out. It’s a fuss-free miles card that keeps things simple, offering miles that never expire and no cap on how much you can earn. Whether you’re planning a future getaway or just want your groceries and Grab rides to count for more, this card may be the quiet workhorse your wallet needs.

At first glance, the OCBC 90°N Credit Card may not scream premium perks — but that’s part of its charm. It’s designed for everyday users who want to rack up miles effortlessly, with no need to chase bonus categories or worry about reward limits. The card offers a straightforward earn rate, making it easy to keep track of your rewards without a spreadsheet.

The biggest draw? The miles you earn never expire. This makes it ideal for those who prefer to accumulate rewards over time for that dream trip, rather than being pressured by expiry deadlines. Plus, the card gives you flexibility by allowing redemptions across multiple airline and hotel partners via the Travel with OCBC platform.

How are miles earned and redeemed?

The OCBC 90°N Credit Card rewards you with:

• 2.1 miles per S$1 spent in foreign currency

• 1.3 miles per S$1 spent locally

There’s no minimum spend and no cap on how much you can earn — which is refreshing, considering many competing cards impose limits or require hitting certain spending tiers to get the best earn rates.

OCBC’s Travel with OCBC platform, which gives access to over 90 airline and hotel partners, including Singapore Airlines KrisFlyer, Asia Miles, and more. There’s a small conversion fee, but the platform’s flexibility and lack of expiry make up for it.

SingSaver’s Take

The OCBC 90°N Credit Card is a solid entry-to-mid-tier air miles card for anyone who values simplicity and flexibility. Unlike many other miles cards that tie rewards to specific spending categories or impose expiry deadlines, this card lets you earn consistently and redeem at your own pace. The lack of expiry on miles is its biggest strength, giving users the freedom to plan long-term travel goals without the pressure of losing miles. If you’re looking for a reliable, no-frills miles card to pair with your daily expenses, the OCBC 90°N is definitely worth considering — especially for those who spend online in foreign currencies or want a long-term travel savings plan.

Read our review

#1: Attractive rates for foreign currency spending

If you spend a lot overseas — or frequently shop on international platforms like Amazon, ASOS, or Taobao — the OCBC 90°N Credit Card gives you one of the better earn rates in the market. At 2.1 miles per S$1 spent in foreign currency, this is a strong contender against many high-end travel cards, especially considering there's no cap.

This makes it a great option for frequent travellers or digital nomads who often make purchases abroad, as well as Singaporeans who love shopping from international merchants during major sale seasons like 11.11 or Black Friday.

#2: Earn unlimited miles

Unlike other cards that throttle your rewards once you hit a monthly or quarterly limit, the OCBC 90°N Credit Card lets you keep earning without restriction. This is especially useful for big-ticket purchases like furniture, electronics, or wedding expenses.

Being able to earn unlimited miles means your rewards truly reflect your spending — whether that’s S$300 a month or S$3,000.

#3: Miles won’t expire

Many cardholders lose their hard-earned miles because they expire after 1 to 3 years. The OCBC 90°N Credit Card sidesteps this problem entirely. Travel$ do not expire, which gives you the flexibility to save up miles over a longer period and plan a bigger redemption, such as a business class upgrade or multi-stop trip.

This is particularly appealing to occasional travellers or those who want to consolidate their miles for a bucket-list holiday rather than constantly redeeming small amounts.

#4: Suitable as an everyday card for general spending

With 1.3 miles per S$1 on local spend and no cap, the OCBC 90°N Credit Card is reliable for everyday use — whether you're paying for public transport, groceries, or subscriptions like Netflix and Spotify.

Even if you don’t travel much right now, this card can help you accumulate miles in the background. Think of it as a set-it-and-forget-it tool: spend normally, then check your balance when it's time to plan your next trip.

Applying for the OCBC 90°N Credit Card is straightforward. You can apply directly via the OCBC website or SingSaver. The online application process takes just a few minutes, and you can get instant approval if you apply using MyInfo.

Be prepared with your SingPass login for MyInfo access, or upload supporting documents like payslips or your IRAS Notice of Assessment if applying manually.

This card is clearly designed with the traveller in mind — but it also works well as a catch-all miles card for general spending. If you’re someone who values simplicity, flexibility, and rewards that don’t vanish with time, it’s worth a closer look.

Here are users who’ll love this card:

• The strategic planner: You want to slowly build a large stash of miles for a big redemption — without worrying about expiry dates or spending targets.

• The digital nomad: You work or shop across borders and want maximum miles for foreign currency spend.

• The set-it-and-forget-it spender: You want a dependable card that earns decent miles on everything you buy without micromanaging categories.

And those who might want to consider alternatives:

• The cashback chaser: If you prefer cash rebates over miles, this card won’t offer direct monetary returns.

• The luxury perks seeker: If you’re looking for airport lounge access, limo transfers, or free hotel nights, this card won’t check those boxes.

• The category optimiser: If you don’t mind juggling multiple cards for maximum miles across dining, groceries, and fuel, other cards with higher category bonuses may offer better returns.