Can I choose to get cashback instead of miles for the OCBC 90N Card? And is Grab top-up or public transportation considered as local spend? - Seedly
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OCBC 90 Degrees N Credit Card

John Doe

Asked on 06 Jan 2020

Can I choose to get cashback instead of miles for the OCBC 90N Card? And is Grab top-up or public transportation considered as local spend?

Is it possible to pick between getting cashback or miles with the OCBC 90N Card? What qualifies as local spend?

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Hi John,

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)

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Ken K
Ken K
Level 6. Master
Answered on 10 Feb 2020

90N is best used for miles, if u want cashback, go for a cashback card

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Boon Ming
Boon Ming
Level 5. Genius
Answered on 06 Feb 2020

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

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pat
pat
Level 7. Grand Master
Answered on 06 Feb 2020

Local spend refer to any spending in SGD but subjected to their terms and conditions. Some transactions are not counted like grab top up

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CS
Chan seng hoong
Level 6. Master
Answered on 05 Feb 2020

You can use points earn on the 90N card to redeem for miles at 1 mile per Travel$ or to convert it to cashback at 1.2% rate. Grab top up is not considered as local spend. But public transport is considered

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BA
Barry Allen
Level 6. Master
Answered on 05 Feb 2020

Per OCBC 90°N T&C, prepaid account top ups do not qualify for Travel$ accrual.

Local Spend: Transactions posted in Singapore dollars.

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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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John Doe
John Doe

06 Jan 2020

Thanks but you didn’t answer my question