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OCBC 90 Degrees N Credit Card
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- Reviews (12)
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Reviews (12)
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card miles
feb 2020
spend miles
miles dollar
till feb
customer service
foreign currency
miles promotion
day card
promotions perks
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- Posted 3w ago
Purchased
OCBC 90°N Credit Card
[Customer Service] Applied for 90N using My info. Approval was received within the hour, and a digital card was e-mailed within the day. The card arrived in my mailbox in about a week. However, OCBC has been inconsistent in tracking Expedia transactions for me, despite people having followed the TNCs. CSOs can only be contacted through the phone (a somewhat long wait - up to 15 min) or through the secured inbox (an even longer wait - in days). [Miles Card] This is OCBC's first mass market general spending miles card. 1.2 miles/$ for local spend and 2.1 miles/$ for FCY spend with no miles expiry. This is comparable to other bank's general spending cards like Citibank/DBS. Unfortunately, the only transfer partner that OCBC has is SQ, but this is unlikely to be a big issue for beginner miles collectors. 90N also lacks priority pass visits, which is a feature in a number of general spending cards. Thankfully, there is no transfer fee (typically $25) to transfer points to SQ. Furthermore, OCBC only requires 1000 miles to transfer to SQ (typically 10000 miles). [Promotions and Perks] New to bank (no OCBC card in last 6 months) - $50 cash rebate in month 2 and 7000 miles for $5000 (within first three months). This adds 1.4 miles/$ to your first $5000 of spending. [Useful For...] Most importantly, 90N is giving off 4 miles/$ on FCY transactions till 29 Feb next year. With no minimum spend and no payment processor location restrictions, it is currently the best of its breed. 4 miles/$ is also being offered for Netflix, Spotify, SIA, AirAsia, Jetstar, and Scoot. An unusual feature is 8 miles/$ on Airbnb transactions, which is uncommon too.0 comments0 - Posted 3w ago
Purchased
OCBC 90°N Credit Card
OCBC 90n card is a great card for overseas spend especially when it has a current promotion for 4 miles per dollar spend till 29 Feb 2020. It will be great if it is a permanent feature of the card.0 comments0 - Posted 3w ago
Purchased
OCBC 90°N Credit Card
[Promotions and Perks] This was introduced to me by the bank through a phone call. For the initial launch stage, they're giving away 7k (I can't remember the exact number because it's quite low and really doesn't warrant trying to put in big spending to get it) miles if you spend 5k in the first 3 months you get the card. The reason why I'm using this card is because: 1. Generous miles rate for Airbnb and certain travel expenditure at 8 miles per dollar spent (until 29 Feb 2020). I happen to need to book my travel accommodation so why not? 2. No fees for conversion of miles, low hurdle of min 1000 miles for redemption- I'm not a miles collector but thought I can try my hands on collecting miles since there's no fees to convert and they don't expire 3. Stack rewards - OCBC has this stack rewards platform that is new, and I can aggregate my rewards across the OCBC cards Application was seamless for me coz they just sent the card to my house and I didn't need to apply. I love the paywave function (but many cards have it now anw). [Card Hacks] 1. Don't use this with Dash, because Dash's MCC code is 6300 (insurance) so you won't get rewards for it. Grab top ups seems to still work last I checked (which was a few weeks ago) 2. Would say this is useful for travel related expenses for now, but I would convert my miles out within the first year because of previous experience w OCBC, who refused to waive the annual fee and I had to cancel the card instead.0 comments0 - Updated 3w ago
Purchased
OCBC 90°N Credit Card
Sign Up: Received this card via phone call from OCBC who immediately approved basis verbal confirmation and mailed the card within 4-5 days. Activation: Via SMS Fees: First year fee waiver, $192.60/year moving forward - there is a miles reward for paying the annual fee. Fee waiver can be requested via the IVR/online Purpose: Miles card similar to Citi Premier Miles/DBS Altitude/AMEX Krisflyer etc promising 1.2 miles/dollar spend. Earned in the form of Travel$ and 1 Travel$ = 1 mile. Miles do not expire. Transfer: No fees for transferring to Krisflyer. Min Blocks for transfer = 1000 Travel$ Promotional Period till 29 Feb 2020: Foreign currency spends S$1 = 4 miles on foreign currency spend S$1 = 2.1 miles (after promo) Customer Service: I have generally had positive experiences with OCBC customer service and found agents t o be helpful. However, recently there seems to be constant high volumes when calling in. Would love a chat option but not currently available.0 comments0 - Updated 4w ago
Purchased
OCBC 90°N Credit Card
[Instant Approval, Virtual Card] Application is easy with MyInfo, which by now, most banks have integrated its usage into application. What stands out is the instant approval, where it takes less than a day for application to be approved and a virtual card issued pending a physical card to be delivered. The link will be emailed and will expire in 7 days where you can find the card number, expiry date and CVV. You can add the card to your mobile wallet and start using it - no activation is required. If you wish to make purchases via any website or app, you can only do so at those that request your CVV. Activation of the physical card is not needed if you are happy using the card you have already stored in your mobile wallet. Should you activate the physical card, the CVV of the card details saved on any website or app (besides your mobile wallet) because it is different. If not, you will be unable to make transactions on these platforms. [Fees] First year waiver, $192.60 yearly - get 10k miles for it. Online waiver process available in internet banking site. [Useful For...] Foreign currency spending during promo period till 29 February 2020. S$1 = 4 miles on foreign currency spend S$1 = 2.1 miles (after promo) 1 Travel$ = 1 mile Spending is accumulated into Travel$ which: -do not expire -no conversion fees (to miles) -no minimum blocks when converting -Get cashback at 1.2% from your earned Travel$. [Rewards site - STACK Marketplace] Enjoy real-time points conversion across different rewards programmes and get exclusive access to deals on STACK Marketplace. Looks modern and clean UI. Even have a app for it. [Customer Service] Unlike DBS which has a live chat function, ocbc still requires to call in hotline. Mobile app has a chat bot that can help you find what you need using voice. An often overlooked feature is the mailbox in the ibanking site - for non urgent enquires as replies can take days but still beats going/waiting on the hotline to speak to a CSO. [Bill Payment] As for all credit cards, don't be deceived by make minimum payment to avoid late payment clause. Late interest charges still applies and they goes beyond 20%. These aspects are well explained in the accompanying brochure(if i am not wrong, by moneysense) which I would like to give credit to.0 comments0
Questions (2)
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MileLion
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Elijah Lee, Independent Financial Advisor at Phillip Securities (Jurong East)
Top Contributor (Nov)
Level 10. Unicorn
Answered 2d ago
If I have a bank account with a requirement to spend on credit card for bonus interest, I would use that first to meet minimum spend. After that, no specific card comes to mind, so just use a general spending card, regardless of cashback or miles. For cashback, try to use one with low requirements for the cashback criteria, and if you max out the cashback cap on that, then use a cashback card with unlimited cashback. For miles, (I may be wrong), one used to be able to pick up IKEA gift cards and use a card with 4mpd on online shopping to earn. Not quite sure if this is still possible though. Then use the IKEA gift cards to pay off your purchases. If this isn't possible, then it's back to a general spending card. However, is there a reason why you are frequently going to IKEA? Furniture is build to last years, unless you are going there to eat at their cafe?
Miles
Citi PremierMiles Visa Card
OCBC 90 Degrees N Credit Card
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MileLion
Aaron Wong, Founder at The Milelion
Top Contributor (Nov)
Level 6. Master
Updated 2w ago
Here's how I'd approach this question. Citi PMV has the benefit of the most transfer partners of any bank in Singapore (12 in total). In addition to KrisFlyer, you can transfer points to British Airways Avios (great for short haul economy flights), EVA Air (good value to Japan in Business Class), Etihad Guest (cheap redemptions to Koh Samui), Turkish Airlines (fly to Europe in Business Class for half the price of SQ) and more. OCBC 90N has fantastic launch promotions. From now till 29 Feb 2020, you'll earn an uncapped 4 mpd on foreign currency spending, Spotify, Netflix, duty free shopping, Singapore Airlines, SilkAir, Scoot, AirAsia and Jet Star. You'll earn an uncapped 8 mpd on airbnb, agoda, Mr and Mrs Smith, Millennium Hotels and Expedia. Those are crazy good bonuses, and the highest in the market right now. DBS Altitude is running some good promos now too- 4 mpd on overseas spending (capped at $7K), and 4 mpd on public transport & Grab/gojek (capped at $1.2K). Otherwise, all 3 cards are roughly similar in terms of their earn rates for local and overseas spending. The Citi PMV and DBS Altitude Visa have 2x priority pass lounge visits, so see if that's something you need/value too. Nothing stopping you from getting more than one, obviously (and you can get $250 cash if you're new-to-bank for Citibank)