OCBC 365 Credit Card
OCBC 360 Account
OCBC 90 Degrees N Credit Card
Asked on 05 Feb 2020
Understand that the OCBC 90°N credit card does not have any minimum amount spending but OCBC 365 credit card has minimum amount spend of $800.
Should I consider to change to OCBC 90°N credit card since I rarely hit the amount of $800 for OCBC 365 credit card?
On top of that, I don't really like the credit card minimum spending to earn the cashback even though OCBC 360 account has to hit $500 to earn the bonus.
Don't let the bonus interest on the OCBC 360 account guide your decisions. Your spending should be driven by your needs, and not your desire to earn more interest. You earn bonus interest because you have to buy something and put it on your card, not the other way round.
With that in mind, if you have a difficult time meeting the minimum spend of $800, then I highly recommend that you take the OCBC 90N card, since that will reward you with miles from the first dollar. You'll have to want to be involved in the miles game though, or the card may not make too much sense for you.
Yes, I think you should. With the OCBC 90°N, you earn Travel$ which can be converted to both cashback and miles. You have greater flexibility all round compared to OCBC 365. The 90°N also earns bonus Travel$ on selected spend which makes it a no brainer.
OCBC 365 is great for petrol filling and if you hit $800 minimum spending else it would fall flat at 0.3% cashback.
You have answered yourself! :)
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