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OCBC 90 Degrees N Mastercard

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Summary

OCBC 90 Degrees N Mastercard

Earn miles that never expire for every S$1 spent that can be used for airlines, cash rebates, vouchers and more with this credit card, perfect for frequent flyers and those who don’t fly as often!

OCBC 90 Degrees N MasterCard Promotions

Singsaver Exclusive Promotion: Receive an Apple AirPods Pro 2nd Gen (worth S$362.35) or a Hinomi H1 Classic V3 with headrest (worth S$459) or S$280 eCapitaVoucher or S$250 Cash via PayNow, plus a chance to win a Dyson Airwrap™ multi-styler (Complete) worth S$859 on top of existing rewards

OFFER 1: FLASH DEAL: Snag a Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Promotion Criteria:

  • Be among the first 10 applicants of any participating OCBC/SCB products at 12pm and 3pm daily get a Dyson Airwrap™ multi-styler (Complete) (worth $859). This offer can be stacked on top of ongoing promotions for all participating products.
  • Flash Deal promotion is valid until 1 October 2023
  • Terms and Conditions. Click here

OFFER 2: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65), or an Apple Bundle [AirPods Pro (Generation 2) + MagSafe Charger] (worth S$421.90), or S$350 eCapitaVoucher or S$250 Cash via PayNow

Promotion Criteria:

  • Promotion is valid for new OCBC credit card holders only
  • Spend at least S$500 on eligible purchases within 30 days of card approval
  • Promotion is valid until 1 October 2023
  • Terms and Conditions. Click here

OCBC 90°N Mastercard Promotion: Get up to 7 Miles per Dollar at Agoda accommodations worldwide

  • 6 miles per dollar for bookings made in S$
  • 7 miles per dollar for bookings made in foreign currency
  • Accelerated earn rates apply to destinations worldwide
  • Bookings must be made via www.agoda.com/90n
  • Valid till 30 November 2023
  • Terms and Conditions apply

Card Features & Details

1) Key Features

  • 1 90˚N Mile = 1 KrisFlyer Mile
  • Earn unlimited 90˚N Miles for every S$5 spent in a transaction
  • Up to 7 90˚N Miles for every S$1 spent on bookings made on Agoda
  • 2.1 90˚N Miles for every S$1 spent in foreign currency
  • 1.3 90˚N Miles for every S$1 spent in local currency

2) Benefits

OCBC Rewards
  • Redeem your Miles (1 90˚N Miles = 1 KrisFlyer Mile) for loyalty points to use across 9 airline and hotel partner programmes
  • KrisFlyer Miles are redeemed via OCBC Rewards
  • Up to 2.1% cash rebates for your credit card bills by exchanging your Miles 
STACK Marketplace
  • Redeem your Miles (1 90˚N Miles = 1 KrisFlyer Mile) for loyalty points to use across 9 airline and hotel partner programmes
  • Miles are redeemed via STACK Marketplace
  • Exchange your Miles for vouchers from popular retailers as well as products and experiences
Travel With OCBC
  • Use Miles to pay for your flight, hotel, and car rental bookings and get preferential rates on our Travel with OCBC all-in-one booking platform

3) Eligibility

  • Age: 21 years old and above
  • Citizenship: Singaporeans, PRs & Foreigners
  • Minimum annual income:
    undefinedundefined

4) Fees & Charges

  • Annual principal fee: S$54 (inclusive of GST)
  • Supplementary card annual fee: S$54 (inclusive of GST)
  • Late payment fees: S$100
  • Repayment grace period: 23 calendar days from statement date
  • Your minimum payment amount will be calculated as:
    undefinedundefined
  • Cash advance charges: S$15 or 8% of the amount drawn, whichever is higher.
  • Overlimit fee: S$40, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds customer’s combined credit limit on any day within the statement period, charged to the credit card with the earliest statement cycle and highest outstanding balance.

Frequently Asked Questions

Can you enjoy annual fee waiver for the OCBC 90 Degrees N Mastercard?

  • Yes, the annual fee for the OCBC 90 Degrees N Mastercard of S$54 (inclusive of GST) is waived for the first year. The same applies to the supplementary card annual fee of S$54 (inclusive of GST)

Who should apply for the OCBC 90 Degrees N Mastercard?

  • The OCBC 90 Degrees N Mastercard is perfect for all travellers with points that never expire and attractive rewards

What is the minimum income requirement for the OCBC 90 Degrees N Mastercard?

  • Minimum annual income:
    undefinedundefined
...see more

Popular Products

Summary

OCBC 90 Degrees N Mastercard

Earn miles that never expire for every S$1 spent that can be used for airlines, cash rebates, vouchers and more with this credit card, perfect for frequent flyers and those who don’t fly as often!

OCBC 90 Degrees N MasterCard Promotions

Singsaver Exclusive Promotion: Receive an Apple AirPods Pro 2nd Gen (worth S$362.35) or a Hinomi H1 Classic V3 with headrest (worth S$459) or S$280 eCapitaVoucher or S$250 Cash via PayNow, plus a chance to win a Dyson Airwrap™ multi-styler (Complete) worth S$859 on top of existing rewards

OFFER 1: FLASH DEAL: Snag a Dyson Airwrap™ multi-styler (Complete) (worth S$859)

Promotion Criteria:

  • Be among the first 10 applicants of any participating OCBC/SCB products at 12pm and 3pm daily get a Dyson Airwrap™ multi-styler (Complete) (worth $859). This offer can be stacked on top of ongoing promotions for all participating products.
  • Flash Deal promotion is valid until 1 October 2023
  • Terms and Conditions. Click here

OFFER 2: Receive an Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$503.65), or an Apple Bundle [AirPods Pro (Generation 2) + MagSafe Charger] (worth S$421.90), or S$350 eCapitaVoucher or S$250 Cash via PayNow

Promotion Criteria:

  • Promotion is valid for new OCBC credit card holders only
  • Spend at least S$500 on eligible purchases within 30 days of card approval
  • Promotion is valid until 1 October 2023
  • Terms and Conditions. Click here

OCBC 90°N Mastercard Promotion: Get up to 7 Miles per Dollar at Agoda accommodations worldwide

  • 6 miles per dollar for bookings made in S$
  • 7 miles per dollar for bookings made in foreign currency
  • Accelerated earn rates apply to destinations worldwide
  • Bookings must be made via www.agoda.com/90n
  • Valid till 30 November 2023
  • Terms and Conditions apply

Card Features & Details

1) Key Features

  • 1 90˚N Mile = 1 KrisFlyer Mile
  • Earn unlimited 90˚N Miles for every S$5 spent in a transaction
  • Up to 7 90˚N Miles for every S$1 spent on bookings made on Agoda
  • 2.1 90˚N Miles for every S$1 spent in foreign currency
  • 1.3 90˚N Miles for every S$1 spent in local currency

2) Benefits

OCBC Rewards
  • Redeem your Miles (1 90˚N Miles = 1 KrisFlyer Mile) for loyalty points to use across 9 airline and hotel partner programmes
  • KrisFlyer Miles are redeemed via OCBC Rewards
  • Up to 2.1% cash rebates for your credit card bills by exchanging your Miles 
STACK Marketplace
  • Redeem your Miles (1 90˚N Miles = 1 KrisFlyer Mile) for loyalty points to use across 9 airline and hotel partner programmes
  • Miles are redeemed via STACK Marketplace
  • Exchange your Miles for vouchers from popular retailers as well as products and experiences
Travel With OCBC
  • Use Miles to pay for your flight, hotel, and car rental bookings and get preferential rates on our Travel with OCBC all-in-one booking platform

3) Eligibility

  • Age: 21 years old and above
  • Citizenship: Singaporeans, PRs & Foreigners
  • Minimum annual income:
    undefinedundefined

4) Fees & Charges

  • Annual principal fee: S$54 (inclusive of GST)
  • Supplementary card annual fee: S$54 (inclusive of GST)
  • Late payment fees: S$100
  • Repayment grace period: 23 calendar days from statement date
  • Your minimum payment amount will be calculated as:
    undefinedundefined
  • Cash advance charges: S$15 or 8% of the amount drawn, whichever is higher.
  • Overlimit fee: S$40, if the total outstanding balance (including unbilled balance) of all credit card(s) exceeds customer’s combined credit limit on any day within the statement period, charged to the credit card with the earliest statement cycle and highest outstanding balance.

Frequently Asked Questions

Can you enjoy annual fee waiver for the OCBC 90 Degrees N Mastercard?

  • Yes, the annual fee for the OCBC 90 Degrees N Mastercard of S$54 (inclusive of GST) is waived for the first year. The same applies to the supplementary card annual fee of S$54 (inclusive of GST)

Who should apply for the OCBC 90 Degrees N Mastercard?

  • The OCBC 90 Degrees N Mastercard is perfect for all travellers with points that never expire and attractive rewards

What is the minimum income requirement for the OCBC 90 Degrees N Mastercard?

  • Minimum annual income:
    undefinedundefined
...see more

OCBC 90°N Credit Card

1.2 mpd
LOCAL SPEND
2.1 mpd
FOREIGN SPEND
Up to 8 mpd on Accomodation and Flight
SELECTED SPEND
$30,000
MINIMUM ANNUAL INCOME

OCBC 90°N Credit Card

1.2 mpd

LOCAL SPEND

2.1 mpd

FOREIGN SPEND

Up to 8 mpd on Accomodation and Flight

SELECTED SPEND

$30,000

MINIMUM ANNUAL INCOME

📣 SIGN-UP BONUS

Receive an Apple AirPods Pro 2nd Gen (worth S$362.35) or a Hinomi H1 Classic V3 with headrest (worth S$459) or S$280 eCapitaVoucher or S$250 Cash via PayNow, plus a chance to win a Dyson Airwrap™ multi-styler (Complete) worth S$859 on top of existing rewards

Valid till 01 Oct 2023. T&Cs apply.

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Reviews (25)

3.7

25 Reviews

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5
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0
1
2

      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.

      1

      What are your thoughts?

      I have also used this card well for 2 years. Some people are happy and many people are not happy about it, upgrading is what the card needs. geometry dash lite

      🎉 Encourage harden joshua by liking their first comment!

      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.

      Popular Products

      Learn more about the OCBC 90°N Mastercard Credit Card

      Presenting the OCBC 90°N Credit Card - your pathway to financial freedom. Relish in abundant unbeatable travel perks and unparalleled miles earning capabilities, enabling you to embark on unforgettable journeys. Embrace your financial aspirations with unwavering confidence and uncover a world brimming with endless possibilities starting today.

      Product Information for OCBC 90°N Mastercard Credit Card

      OCBC 90°N Card Benefits

      Embark on a rewarding journey with the OCBC 90°N Credit Card, where you can earn miles for your dream adventures. Experience a world of exclusive rewards and unparalleled perks, elevating your financial journey to new heights.

      Here are 3 main ways the OCBC 90°N Card Can Benefit You

      1. Redeem the air miles and points you earn for loyalty points across 9 airlines and hotel partner programmes
      2. Use miles to offset your travel bookings on Travel with OCBC
      3. Exchange your miles for cash rebates to offset your credit card bills
      4. Exchange your miles for vouchers from popular retailers

      How Much Miles Can You Earn with the OCBC 90°N Mastercard Credit Card?

      Explore the plethora of OCBC$ rewards points awaiting you with the OCBC Titanium Rewards Card. Earn up to 10x OCBC$ rewards points (equivalent to 4 air miles) per $1 spent on eligible categories, unlocking a world of exciting possibilities.

      Type of spend

      Miles Earn Rate

      Bookings made on Agoda

      Up to 7 Miles Per $1 Spend

      Spends in Foreign Currency

      2.1 Miles Per $1 Spend

      Spends in Local Currency

      1.3 Miles Per $1 Spend

      OCBC 90°N Credit Card: Embrace Timeless Adventures with Miles that Never Expire

      Tap into the full potential of your OCBC 90°N Credit Card with timeless miles that endure. Venture the world at your leisure, as these miles never expire. Embrace the freedom to plan dream getaways without limitations, unlocking a lifetime of unforgettable adventures with the OCBC 90°N Credit Card.

      Eligibility for OCBC 90°N Mastercard Credit Card

      Listed here are the eligibility requirements for applying for an OCBC 90°N Credit Card.

      Eligibility Type

      Eligibility Requirements

      Minimum Age

      21 Years Old

      Annual Income for Singaporeans & PRs

      $30,000 and above

      Annual Income for Foreigners

      $45,000 and above

      Minimum Annual Spend

      $10,000 in one year from date of issue

      Interest Rates and Fees for OCBC 90°N Mastercard Credit Card

      Discover the interest rates and fees associated with the OCBC Titanium Rewards Credit Card.

      Fee Type

      Fee Amount

      Annual Fee for Principal Card

      $54.00 inclusive of 8% GST a year (Waived for the first year)

      Annual Fee for Supplementary Card

      $54.00 inclusive of 8% GST a year (Waived for first year)

      Foreign Currency Transaction Fee

      3.25%

      Minimum Payment

      $50 or 3% of Total Balance, whichever is higher, plus any overdue amount

      Late Payment Charge

      $100

      Interest on Cash Advance

      28.92%

      Interest On Purchases

      26.88%

      Interest Free Repayment Period

      23 Days

      Other Information about OCBC 90°N Mastercard Credit Card

      Miscellaneous Information

      Details

      Supported Payment Type

      Apple Pay, Google Pay, Samsung Pay

      Credit Card Types

      Mastercard

      How to best use the OCBC 90°N Credit Card?

      Discover the Card's Perks

      Take the time to comprehend the card's various features and benefits, which include cashback rewards, travel perks, and the miles program. Familiarize yourself with the terms and conditions associated with each of these advantages.

      Focus on Spending on The Right Categories

      Maximize your card usage by spending in categories that offer higher cashback or increased miles earning potential. These commonly include dining, groceries, and online shopping.

      Familiarize Yourself with Travel Partnerships

      Delve into the card's airline partnerships and alliances to broaden your flight options and destinations when redeeming your miles.

      Redeem your Miles Strategically

      Plan your mileage accumulation strategically and utilize them for travel experiences that match your interests and preferences. Keep an eye out for promotions or bonus mile offers to enhance your mileage balance.

      Connect with OCBC for Personalized Assistance and Exceptional Service

      Telephone: +65 6363 3333

      Email: You can write to them at this website address here.

      You can also write a physical letter to them addressed to:

      OCBC Bank

      65 Chulia Street

      #01-00

      OCBC Centre

      Singapore 049513

      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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