What are your thoughts on OCBC 90N? - Seedly
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OCBC 90 Degrees N Credit Card

Bjorn Ng

Asked on 12 Dec 2019

What are your thoughts on OCBC 90N?

Hey guys! I've always been part of the cashback team but after going through some Q&A in MileLion, it has piqued my interest. I got OCBC 90N as a "excess" card to my HSBC Advance if I ever reach the cap, or for overseas expenditure. I like it because it's 1k miles conversion & free, and good promotion now. But moving forward after the launch, is it still a competitive card?

Also, is there anywhere I can get a quick crash course on miles, like how to compare it with cashback etc? :P Thank you!!


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Wallace Chai
Wallace Chai
Level 9. God of Wisdom
Answered on 12 Dec 2019

Great card! If you going to get it, make sure dont miss out the promotion period where you can get 4miles for every dollar spend in overseas until 29 feb 2020. Good to use for travelling during coming CNY overseas trip i think.

Then spending on travel booking hotel website like agoda and expedia via OCBC link will give you 8miles per dollar spend with no cap! Booking for flight ticket SQ, SCoot, Silkair, aisasia also can give you 4miles per dollar spend before 29 feb 2020.

What's more? Miles never expire so you can earn them for as long as you like.

Drawback is no lounge benefits.


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90N's strength is 8mpd on hotel and 4mpd on flights, but the restriction is the deadline (Feb 2020) to earn this bonus, plus the OTA booking portal is dedicated. And the flights bookings you perform on Expedia are restricted to certain "participating airlines" outlined below:

  • Air Macau

  • Air Mauritius

  • Air Niugini

  • Cambodia Angkor Air

  • China Eastern Airlines

  • China Southern Airlines

  • Finnair

  • Garuda Indonesia

  • Hawaiian Air

  • Korean Air

  • Lao Airlines

  • Myanmar International Airways

  • Qatar Airways

  • Saudi Arabian Airlines

  • Shenzhen Airlines

  • Sichuan Airlines

  • Thai Airways

  • Turkish Airlines

  • Xiamen Airlines

Next, 4 mpd on airline bookings (not exciting for me):

  • AirAsia

  • DFS Singapore

  • Jetstar Asia

  • SilkAir

  • Singapore Airlines

  • Scoot

  • Netflix

  • Spotify

  • The Shilla Duty Free at Changi Airport

The last perk is 4mpd on foreign currency spend. _You don't need to be overseas to earn this. As long as the transaction posts in foreign currency, _you will get the bonus.

Note that once these perks expire, the card becomes pretty run of the mill, very comaprable to Citi PM and DBS-Altitude. The only edge is 2.1 mpd on overseas spend, 1K conversion blocks and no fees to tranfer the Travel$ to FFPs. All that for the trade off of no lounge benefits. I'd keep the card and the stash of Travel$ to top off any accounts I need for redemption (e.g. I need 94K for a business redemption. I'd transfer 90K from Citi and 4K from OCBC)

The annual fee is pretty much in line with all other cards, and as expected, they offer 10K miles for that.

1 comment

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Elijah Lee
Elijah Lee

13 Dec 2019

Addendum: I'd keep Citi PM for 7-10mpd on Agoda, Expedia and Kaligo bookings, provided you do your maths. I would not use OCBC 90N for hotel bookings after Feb 2020 unless some new promo pops up.

It is definitely a competitive card given its ongoing promotion now.

Otherwise, it gives 1.2 miles per dollar, which is the same as most general cards right now.

For cashback, you won't really use it since Standard Chartered Unlimited Cashback card gives 1.5%, which is higher than their converted rate @ 1.2%.

Here is everything about me and what I do best.


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Cedric Jamie Soh
Cedric Jamie Soh, Director at Seniorcare.com.sg
Level 9. God of Wisdom
Answered on 24 Dec 2019

Hard to beat the 4 miles per dollar spend on flight and 8 miles per dollar on hotels in overseas till 29 Feb 2020.

once the bonus expire, the card is just a normal miles card, nothing special.

You want a crash course on miles?

https://milelion.com/ Aaron is your man.


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Keith Ng
Keith Ng
Level 5. Genius
Answered on 23 Dec 2019

1K free conversion is still quite enticing since most of my spending would be on the 4mpd cards - I'll accrue on the general spend card very slowly. Small conversions help to realise these points into miles quickly.

Crash course: https://milelion.com/credit-cards/credit-card-overview/


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Choon Yuan Chan
Choon Yuan Chan
Level 9. God of Wisdom
Answered on 13 Dec 2019

OCBC current promotion of 8mpd on hotel and 4mpd on flights is its current strength, but the promotion is ending on end Feb 2020. Afer this, OCBC 90N has little strength and will not be a competitive card in my view.

If you will like a quick crash course on miles, i suggest you visit Milelion website


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