facebookOCBC 90 Degrees N Credit Card Reviews and Comparison - Seedly

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Credit Cards/OCBC 90 Degrees N Credit Card
Credit Cards/OCBC 90 Degrees N Credit Card
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Summary

Highlights of OCBC 90 Degrees N Credit Card

  • For every S$1 spend on accommodation = 8 miles
  • For every S$1 spend on flight booking = 4 miles
  • For every S$1 spend on shopping and entertainment = 4 miles
  • Miles will not expire
  • Mastercard Airport Experiences

Find out about the card's host of benefits, charges, promotions and eligibility criteria below.

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OCBC 90°N Credit Card

1.2 mpd

LOCAL SPEND

4 mpd

FOREIGN SPEND

Up to 8 mpd on Accomodation and Flight

SELECTED SPEND

OCBC 90°N Credit Card

1.2 mpd

LOCAL SPEND

4 mpd

FOREIGN SPEND

Up to 8 mpd on Accomodation and Flight

SELECTED SPEND

Reviews (25)

3.7

25 Reviews

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      Posted 31 Mar 2022

      Purchased

      OCBC 90°N Credit Card

      I am using OCBC as my main bank, thought to try this card out. Card promo was very attractive then!!

      0

      What are your thoughts?

      Posted 21 Jul 2021

      Purchased

      OCBC 90°N Credit Card

      [Miles Card] It was somewhat attractive at first, before they revised the earn rate for miles. Now, you'll earn miles for each $5 block, which is not bad per se. However, their exclusions list is something to note. [Promotions and Perks] Nothing much. At this point of time, there's a 6 (SGD) - 7 (foreign $) miles per $1 spent for Agoda but honestly, you can't fully utilise this when you can't travel. There's no free lounge access as compared to some other go-to Miles cards, but you can get access to LoungeKey, which means... you need to pay. [Useful For...] Miles don't expire, so that's a good thing. You can also convert in 1,000 point blocks. I'll be keeping this as a stand-by card provided I get fee-waivers.

      0

      What are your thoughts?

      10 Jul 2021

      Purchased

      OCBC 90°N Credit Card

      There is a land called "Useless Credit Cards" and this card is the king of it. In short, DO NOT EVER APPLY FOR THIS CARD, and here's why: 1. Deceitful marketing: This card awards points per $5 block, but still shamelessly advertises it as "[insert abysmal points] per $1 spend in humongous and bolded texts, followed by a caveat emptor in what's probably 5pt font, "... awarded for every S$5 spent per transaction". Seriously, just stop. 2. There's everything wrong with the $5 block. If you spend anywhere between 0.01 - 4.99, you get nil, 0, none. If you spend anywhere between 5.01 to 9.99, you get the same as if you had spent $5. For the poor guy (and girl, and everything in between) who spent $9.99 and got 6 Travel$, your earn rate is a meager 0.6 Travel$ per dollar, I feel your pain. 3. This card (or any OCBC card for that matter) boasts the longest list of exclusions. For those who buy into the UOB card system, you'd be no strangers to the $5 block as they were the one debuting it, but at least UOB cards still award points on certain transactions such as utilities, so those with a sizeable water or electricity bills to pay every month can have comfort in some rebates. Well, there's no such thing with OCBC! 4. The only miles cards with 1 airline transfer partner are those from OCBC. UOB/BOC/HSBC has 2 each, Maybank has 3, DBS has 4, SCB has 8, Amex has 9, and Citibank has a whopping 11. The more transfer options, the more valuable the card points since you can take advantage of other redemption sweet spots and most importantly, frequent flyer programs with no hard expiration policy e.g. Cathay's Asia Miles or British Airways' Avios Club. Again, you're not afforded that freedom of choice with OCBC -- OCBC means Krisflyer miles, take it or leave it. 5. The only cards without any punchy sign up bonus are those from OCBC. Notice how Citi Premiermiles gives you tens of thousands of miles when you're new? And so is DBS? Well, don't get your hopes up with OCBC cause that ain't gonna happen in this lifetime. In summary, this is a failed product from alpha to omega, and the numerous feeble attempts to revive it didn't cut it either, so OCBC, if you are reading this, maybe do something to address the points above, or just de-market this card once and for all please. To even suggest it is a travel card is disgraceful and offensive to cards such as Citi Premiermiles or DBS Altitude.

      0

      What are your thoughts?

      22 May 2021

      Purchased

      OCBC 90°N Credit Card

      DO NOT use ocbc credit cards! They move forward your statement due date and are super inflexible with waivers (even if only 1 day late AND before the original due date!) I got charged $100 late fee only a $100 bill! This is how they earn money, not through providing proper services!

      0

      What are your thoughts?

      19 Apr 2021

      Purchased

      OCBC 90°N Credit Card

      Card was good during the intro promotion. Customer service was very strict when trying to get fee waivers.

      0

      What are your thoughts?

      16 Apr 2021

      Purchased

      OCBC 90°N Credit Card

      [Miles Card] No longer worth getting this card. Best getting UOB’s priv miles card instead since both cards count points per $5

      0

      What are your thoughts?

      10 Feb 2021

      Purchased

      OCBC 90°N Credit Card

      I use this as my 3rd and spare card. Good if you travel (sadly we can't do it now) as you get to accumulate miles.

      0

      What are your thoughts?

      03 Jan 2021

      Purchased

      OCBC 90°N Credit Card

      used to be powerful card at the beginning. After promotion end, it is consider general daily earning miles card for me. for foreign spend it is 2.1 MPD which is slightly higher than other card (2 MPD). If not choice then can only use this.

      0

      What are your thoughts?

      25 Jun 2020

      Purchased

      OCBC 90°N Credit Card

      As solus card holder, this is a good card if you are not willing to pay for Miles conversion. However, do not that direct miles crediting has a con. Your miles will expire in 3 years If airport lounge isn’t your thing. Then this is the card for you. However, when they first launch this card it’s with very attractive bonus miles like 9miles with OTAs but then again short lived. IMO: if you’re no longer a beginner for miles collection. Then other cards would suit you be better

      0

      What are your thoughts?

      08 Jun 2020

      Purchased

      OCBC 90°N Credit Card

      Fast approval. Easy to apply. The points earned does not expire. Converting points to air miles without additional charges. However, it does not provide any airport lounge benefit comparing with DBS altitude card.

      0

      What are your thoughts?

    Discussions (0)

      No Posts Found.

      The OCBC 90 Degrees N Credit Card

      OCBC 90 Degrees N Credit Card

      New to credit cards? Here's your complete guide to cashback credit cards.

      Eligibility for OCBC 90 Degrees N Credit Card

      To be eligible for the OCBC 90 Degrees N Credit Card, you'll have to meet the following criteria:

      • Be at least 18 years old
      • For Singaporeans and PRs: Minimum annual income of $30,000
      • For foreigners: Minimum annual income of $45,000

      Fees and Charges for OCBC 90 Degrees N Credit Card

      • Annual Principle Fee: $192.60 (First year waived, second year you get 10,000 miles when you pay the annual fees)
      • Annual Supplementary Card fee: $96.30 (First year waived)
      • Interest-Free Period: 23 days
      • Annual Interest Rate: 26.88%
      • Minimum monthly payment: 3% or $50, whichever is higher
      • Late payment charge: $100
      • Cash advance fee: 6% or $15, whichever is higher
      • Interest on Cash Advance: 28.92% per annum (minimum charge of S$2.50)
      • Lost / Stolen Card Liability: S$100

      Key Features and Benefits of OCBC 90 Degrees N Credit Card

      These are some highlights of the OCBC 90 Degrees N Credit Card and the cashback benefits to offer.

      Benefits of OCBC 90 Degrees N Credit Card

      What You'll Get

      Accomodation

      Earn 8 miles on your accommodation:

      • Agoda
      • AirBnb
      • Expedia
      • Millenium
      • Smith

      Flight

      Earn 4 miles on your flight booking:

      • SilkAir
      • Singapore Airlines
      • Air Asia
      • Jetstar
      • Scoot

      Shopping and Entertainment

      Earn 4 miles on shopping and entertainment:

      • Spotify
      • Netflix
      • Duty Free Store

      Miles

      Every S$1 = Travel$

      Every 1 Travel$ = 1 Mile

      Mastercard Airport Expereinces

      LoungeKey:

      enjoy offers for spas, retail stores and dining. You can excess these through the Mastercard Airport Experiences mobile app

      OCBC 90 Degrees N Credit Card - Benefits

      Travel$

      • S$1 = 4 miles on foreign currency (till 29 February 2020)
      • S$1 = 2.1 miles on foreign currency (from 1 March 2020)
      • S$1 = 1.2 miles on local spend
      • Cashback of 1.2% from your earned Travel$
      • Miles will not expire

      Terms and Conditions of OCBC 90 Degrees N Credit Card

      • Local spend is defined as transactions in Singapore dollars and overseas spend is defined as transactions in foreign currency
      • There is no cap on the amount of Travel$ you can earn each month
      • Travel$ will be credited to your account as soon as the transactions are posted
      • Travel$ is used to redeem miles, rebates and other rewards
      • Travel$ can only be converted to KrisFlyer miles
      • Travel$ to KrisFlyer miles is at the rate of 1:1 with no conversion fees
      • You can enjoy airport lounges through the Mastercard Airport Experience App

      About OCBC

      The Overseas-Chinese Banking Corporation, Limited - or OCBC Bank - is headquartered in Singapore. Its inception in 1932 was the result of a merger of three local banks. As the second-largest bank in Southeast Asia, the multinational banking and financial services has assets of close to $468 billion. It has an Aa1 rating from Moody's, and an AA-rating from Standard & Poor's.

      At present, the bank has over 570 branches across 18 countries and regions. Its services range from commercial banking and specialist financial and wealth management to asset management, stockbroking, insurance and treasury services.

      Still unsure? Find out everything you need about credit cards - including what the best credit cards in Singapore are for miles and cashback, factors to consider before getting one, fees to know, and why a good credit score matters.

      You can also pose questions (anonymously, if you'd prefer) on the Seedly Q&A platform.

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