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.

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Card benefit

miles / dollar

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Earn up to 7 miles per dollar on hotel and travel bookings made through Agoda. For overseas spending, enjoy 2.1 miles per dollar, while local spending earns 1.3 miles per dollar. There is no cap on the miles you can accumulate, but note that a conversion fee of S$25 applies.

Annual Fee

S$ 196.2

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First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Monthly Spend Required

Min. Annual Income

S$ 30,000

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S$30,000 for Singaporeans and PRs aged between 21 and 54; S$15,000 for Singaporeans and PRs aged above 55; S$45,000 for foreigners

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Highlights

Card benefit

miles / dollar

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Annual Fee

S$ 196.2

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First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Monthly Spend Required

Min. Annual Income

S$ 30,000

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S$30,000 for Singaporeans and PRs aged between 21 and 54; S$15,000 for Singaporeans and PRs aged above 55; S$45,000 for foreigners

2 Offers Available

SingSaver CNY 2026 Flash Deal

S$68 eCapitaVoucher

SingSaver CNY 2026 Flash Deal campaign runs from 19 February 2026 to 26 February 2026.
Promotion is valid for new Citi / HSBC / OCBC credit cardmembers only.
Be one of the first 8 cardmembers at 2pm and 8pm every day during the flash deal period (16 total winners daily) to apply for participating credit cards and fulfill the minimum spend criteria to be eligible for Flash Deal reward: S$68 eCapitaVoucher.
- Flash Deal reward will be received on top of your selected SingSaver Exclusive Offer reward.
- Remaining applicants will receive SingSaver Exclusive Offer reward selected in your Rewards Redemption Form.
- Eligible applicant pool is shared across all participating providers.
Promotion is stackable with SingSaver Exclusive Offer (additional T&Cs apply).
Terms and Conditions apply

Dyson Airstrait™ straightener (worth S$799)

SingSaver Exclusive Offer

Dyson Airstrait™ straightener (worth S$799)

SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

25,000 Max Miles by HeyMax (worth S$600+)

SingSaver Exclusive Offer

25,000 Max Miles by HeyMax (worth S$600+)

SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

S$250 Cash + Xiaomi Luggage Classic Pro 24

SingSaver Exclusive Offer

S$250 Cash + Xiaomi Luggage Classic Pro 24" (total worth S$449)

SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

SingSaver Exclusive Offer

S$370 Cash via PayNow

SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

20,000 90°N Miles (worth a round trip to Bali)

SingSaver Exclusive Offer

20,000 90°N Miles (worth a round trip to Bali)

SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$60)

SingSaver Exclusive Offer

Dyson Digital Slim Submarine™ (worth S$699) (Top up S$60)

SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Sony WH-1000XM6 Wireless Noise-Cancelling Headphones (worth S$649) (Top up S$60)

SingSaver Exclusive Offer

Sony WH-1000XM6 Wireless Noise-Cancelling Headphones (worth S$649) (Top up S$60)

SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Dyson Airwrap™ multi-styler and dryer (worth S$799) (top up S$100)

SingSaver Exclusive Offer

Dyson Airwrap™ multi-styler and dryer (worth S$799) (top up S$100)

SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Apple Watch Series 11 Aluminum 42mm GPS (worth S$599, top up S$250)

SingSaver Exclusive Offer

Apple Watch Series 11 Aluminum 42mm GPS (worth S$599, top up S$250)

SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Apple Watch Series 11 Aluminum 42mm GPS+Cellular (worth S$739, top up S$380)

SingSaver Exclusive Offer

Apple Watch Series 11 Aluminum 42mm GPS+Cellular (worth S$739, top up S$380)

SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Apple Watch Ultra 3 Titanium 49mm GPS+Cellular (worth S$1,199, top up S$800)

SingSaver Exclusive Offer

Apple Watch Ultra 3 Titanium 49mm GPS+Cellular (worth S$1,199, top up S$800)

SingSaver Exclusive Offer promotion is valid from 19 February 2026 to 1 March 2026.
Promotion is valid for new OCBC credit cardmembers only.
Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for reward.
Promotion does not stack with other welcome offers from OCBC unless otherwise specified.
Terms and Conditions apply.

Things to consider when choosing this card:

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

credit_card

Cashback Base Rate

1.2 %

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Cashback Local

1.2 %

flight

Cashback Overseas

2.1 %

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AirMiles

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Airmiles Base Rate

1.3 miles / dollar

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Airmiles Local

1.3 miles / dollar

flight

Airmiles Overseas

2.1 miles / dollar

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Get up to

bed

Airmiles Hotel Booking

Up to 7 miles / dollar

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On Agoda bookings

luggage

Airmiles Travel

Up to 7 miles / dollar

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On Agoda bookings

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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

Minimum Age

21 years old

Min. Annual Income

S$ 30,000

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S$30,000 for Singaporeans and PRs aged between 21 and 54; S$15,000 for Singaporeans and PRs aged above 55; S$45,000 for foreigners

Monthly Spend Required

local_atm

Fees / Repayment

Fees

Annual Fee Waiver

1 year

Annual Fee

S$ 196.2

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First Year Fee automatically waived. Min. spend of S$10,000 per year for waiver of annual fee for subsequent years.

Foreign Currency Transaction Fee

3.25 %

Cash Advance Service Charge

S$ 15

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Or 8% of amount withdrawn, whichever is greater.

Air Miles Conversion Fee

S$ 25

Repayment

Minimum Payment

S$ 50

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S$50 or 3% of the Total Balance, whichever is higher, and any overdue amount.

Late Payment Charge

S$ 100

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S$100 if Minimum Payment Due is not received on or before the Payment Due Date.

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

OCBC 90°N Mastercard

Highlights

Things to consider when choosing this card:

Things to consider

Benefits

Cashback

AirMiles

Quick Facts

Guides

Eligibility

Eligibility

Fees / Repayment

Fees

Repayment

Others

Association

Supported Payment Type

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