OCBC 90 Degrees N Mastercard Credit Card
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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!
Product Page Transparency
- Pays to access additional features
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: S$30,000
4) Fees & Charges
- Annual principal fee: S$196.20 (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: undefined undefined
- 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$196.20 (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: S$30,000
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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!
Product Page Transparency
- Pays to access additional features
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: S$30,000
4) Fees & Charges
- Annual principal fee: S$196.20 (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: undefined undefined
- 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$196.20 (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: S$30,000
3.7
25 Reviews
Service Rating
Speed of Approval
Ease of Fee Waiver
Customer Support
High to Low
Posted 21 Dec 2019
Purchased
OCBC 90°N Credit Card
4mpd for overseas spend, no miles conversion cost. Also, there is promotional 8mpd for certain hotel booking site. Very fast approval from myinfo as well0
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?16 Nov 2019
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
What are your thoughts?15 Nov 2019
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
What are your thoughts?Posted 13 Nov 2019
Purchased
OCBC 90°N Credit Card
Good miles promotion. Friendly and helpful customer service. Fast and fuss free application.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?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?Reply
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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 better0
What are your thoughts?31 May 2020
Purchased
OCBC 90°N Credit Card
It’s almost the same as the DBS altitude card. But I like the fact that you can convert the points to miles at no extra cost, and that you can also convert them in smaller amounts too. It’s also a great card to pair with the OCBC 360 to hit the minimum $500 spending.0
What are your thoughts?25 Feb 2020
Purchased
OCBC 90°N Credit Card
[Application] I applied for this card and it took me like literally 15 mins to do everything online with the MyInfo link. It was super straightforward and managed to get it immediately to make some bookings on Agoda and Expedia. [Promotions and Perks] Right now there are these travel related deals which offer 8mpd which is really a crazy amount of miles per spend. [Useful For...] Travel related stuff and general miles accumulation. Where this has essentially replaced my OCBC365 card as I plan to collect miles throughout my working life!0
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Learn more about the OCBC 90°N Mastercard Credit Card
Presenting the OCBC 90°N Credit Card - your pathway to financial freedom. Relish in abundant unbeatable travel perks and unparalleled miles earning capabilities, enabling you to embark on unforgettable journeys. Embrace your financial aspirations with unwavering confidence and uncover a world brimming with endless possibilities starting today.
Product Information for OCBC 90°N Mastercard Credit Card
OCBC 90°N Card Benefits
Embark on a rewarding journey with the OCBC 90°N Credit Card, where you can earn miles for your dream adventures. Experience a world of exclusive rewards and unparalleled perks, elevating your financial journey to new heights.
Here are 3 main ways the OCBC 90°N Card Can Benefit You
- Redeem the air miles and points you earn for loyalty points across 9 airlines and hotel partner programmes
- Use miles to offset your travel bookings on Travel with OCBC
- Exchange your miles for cash rebates to offset your credit card bills
- Exchange your miles for vouchers from popular retailers
How Much Miles Can You Earn with the OCBC 90°N Mastercard Credit Card?
Explore the plethora of OCBC$ 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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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