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Credit Cards/OCBC 90 Degrees N Mastercard
Credit Cards/OCBC 90 Degrees N Mastercard
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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

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.

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