OCBC 90°N Mastercard

OCBC 90°N Mastercard

The OCBC 90°N Mastercard is a miles credit card with a relatively high earn rate for both local (1.3 miles per dollar) and overseas spending (2.1 miles per dollar). You can also earn 7 miles per dollar on bookings made on Agoda. Plus, there is no cap to the number of miles you can earn monthly. Besides miles, you can redeem hotel loyalty points, cash rebates and much more.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
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Highlights

Card benefit
 miles / dollar
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Annual Fee
S$ 196.2
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Monthly Spend Required
None
Min. Annual Income
S$ 30,000
2 Offers Available
Apple AirPods Gen 4 (worth S$199)
SingSaver Exclusive Offer
Apple AirPods Gen 4 (worth S$199)
  • SingSaver Exclusive Offer promotion is valid until 1 May 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Apply for participating OCBC credit cards via SingSaver and make at least 1 transaction within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from OCBC.
  • Terms and Conditions apply.
Stryv Color+ hair dryer (worth S$129)
SingSaver Exclusive Offer
Stryv Color+ hair dryer (worth S$129)
  • SingSaver Exclusive Offer promotion is valid until 1 May 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Apply for participating OCBC credit cards via SingSaver and make at least 1 transaction within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from OCBC.
  • Terms and Conditions apply.
S$170 Shopee Voucher
SingSaver Exclusive Offer
S$170 Shopee Voucher
  • SingSaver Exclusive Offer promotion is valid until 1 May 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Apply for participating OCBC credit cards via SingSaver and make at least 1 transaction within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from OCBC.
  • Terms and Conditions apply.
S$150 Cash via PayNow
SingSaver Exclusive Offer
S$150 Cash via PayNow
  • SingSaver Exclusive Offer promotion is valid until 1 May 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Apply for participating OCBC credit cards via SingSaver and make at least 1 transaction within 30 days of card approval to be eligible for reward.
  • Promotion does not stack with other welcome offers from OCBC.
  • Terms and Conditions apply.
1 Year Disney+ Premium Subscription
Stackable Welcome Offer
1 Year Disney+ Premium Subscription
  • Welcome Offer promotion is valid until 30 April 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Be one of the first 5,000 to apply and get approved for participating OCBC credit cards during the promo period to be eligible for reward.
  • Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
  • Terms and Conditions apply.

Things to consider

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No expiry air miles

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Unlimited air miles

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No monthly spend required

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Benefits

Cashback

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Cashback Base Rate
1.2  %
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Cashback Local
1.2  %
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Cashback Overseas
2.1  %

AirMiles

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Airmiles Base Rate
1.3  miles / dollar
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Airmiles Local
1.3  miles / dollar
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Airmiles Overseas
2.1  miles / dollar
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Airmiles Hotel Booking
Up to 7  miles / dollar
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luggage
Airmiles Travel
Up to 7  miles / dollar
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Quick Facts

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Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.

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Your Miles never expire.

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No expiry on Travel$ earned, and no conversion fee.

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Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.

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First-year annual fee waived.

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Read our full review of the OCBC 90°N Credit Card .

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Travel$ is awarded in blocks of S$5 charged to the card per transaction.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Min. Annual Income
S$ 30,000
Monthly Spend Required
None
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Fees / Repayment

Fees

Annual Fee Waiver
1 year
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Air Miles Conversion Fee
S$ 25

Repayment

Minimum Payment
S$ 50
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Late Payment Charge
S$ 100
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Interest on Purchase
27.78  %
Interest on Cash Advance
28.92  %
Interest Free Period
23  days
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Others

Association

World Mastercard

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Fitbit Pay

Garmin Pay

NETSPay

Tags

OCBC 90°N Mastercard OCBC 90°N Mastercard

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