OCBC 90 Degrees N Credit Card
Asked on 06 Jan 2020
Is it possible to pick between getting cashback or miles with the OCBC 90N Card? What qualifies as local spend?
By converting your Travel$ to cashback, you are effectively getting a value of 1.2cents per mile. If you opted for a cashback card, you can easily find 1.5% cashback cards with no cap. Miles have far more value in redeeming J/F, so please go with that instead, if not you should not be considering signing up for the 90N.
Local spend is any spend that posted in Singapore Dollars. Whether or not they qualify for the rewards (i.e. the travel $) is another matter entirely.
Travel$ is not awarded on the following: all card fees and charges, card annual fees, membership fees, renewal fees, Balance Transfer and charges incurred for any Balance Transfer facility, Cash-on-Instalment facility and charges incurred for any Cash-onInstalment facility, Instalment Payment Plan, Extended Payment Plan, Income Tax payment, interest, late payment charges, Goods and services tax, Cash Advances, bill payments made via Internet Banking, bill payments made via AXS and other fees and charges.
Travel$ is also not awarded for the following:
Charitable/ religious organizations (MCC: 8398, 8661)
Real estate agents and managers (MCC: 6513)
Utilities (MCC: 4900)
Trading Platforms (MCC: 6211, 6051)
Government institutions and services (MCC: 9399, 9211, 9222, 9223, 9311, 9402 and 9405)
Insurance Underwriting, Premiums (MCC: 6300, 6399, 5960)
Prepaid accounts/ prepaid card (MCC: 6540)
Education (MCC: 8211, 8220, 8241, 8244, 8249, 8299)
Gambling (MCC 7995)
Parking Lots, Parking Meters and Garages (MCC: 7523)
Nondurable Goods (MCC 5199)
Wire Transfer Money Orders (WTMOs) (MCC 4829)
Financial Institutions – Merchandise, Services, and Debt Repayment (MCC 6012)
Political Organizations (MCC 8651)
Banks - Manual Cash disbursement/Automated Cash Disbursement (MCC 6010, 6012)
Local spend = charges in SGD with local merchants (not overseas card terminals)
Grab TOP Up falls under Remote Stored Value and most cards don't gives rewards/miles under that
For OCBC 90°N card, you earn Travel$ for every dollar spent.
Thereafter, you can use it to redeem for miles at 1 mile per Travel$ or to convert it to cashback at 1.2%.
You may check the list of exclusions in the terms: https://www.ocbc.com/assets/pdf/cards/ocbc-90degree-n-card-programme.pdf
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