Enjoy a complimentary main course at participating restaurants in major cities across Asia Pacific. Terms and Conditions apply.
There is no cap on the amount of 90°N Miles you can earn each month.
Enjoy up to S$180 cash reward when you open your OCBC 360 Account and credit your salary within 2 months. Valid till 31 December 2023. Limited redemptions available.
Insured up to S$75k by SDIC. T&Cs apply.
Enjoy lower interest rates and flexible repayments with EasiCredit. Get S$50 cashback when you open a new account with us by 31 December 2023. T&Cs apply.
Conveniently and securely exchange AUD, CAD, CHFNEW, CNH, EUR, GBP, HKD, JPY, NZD and USD, 24/7 via OCBC Digital, for your overseas transfer, travel payments, online spends, investments and more.
Reduce your taxable income by the same amount contributed to your SRS Account, with a maximum yearly contribution of S$15,300 for Singaporeans and Singapore PRs, and S$35,700 for foreigners.
Earn 1.3 Miles for every S$1 spent in SGD and 2.1 Miles for every S$1 spent in foreign currency
Redeem air miles, cash rebates and more
Miles never expire
Singaporean or Singapore PR above 21 years old with an annual income of at least S$30,000
Foreigner above 21 years old with an annual income of at least S$45,000
Get 31,888 90°N Miles when you sign up for an OCBC 90°N Card Find out more
spent on bookings made on Agoda.
spent on bookings made on Agoda.
spent in foreign currency.
spent in foreign currency.
spent in local currency (SGD).
spent in local currency (SGD).
which are awarded as 90˚N Miles (formerly known as Travel$) for every S$5 spent in a transaction. 1 90˚N Mile = 1 KrisFlyer Mile.
which are awarded as 90˚N Miles (formerly known as Travel$) for every S$5 spent in a transaction. 1 90˚N Mile = 1 KrisFlyer Mile.
Exchange Miles for loyalty points across 9 airline and hotel partner programmes.
For reference, 1 90°N Mile = 1 KrisFlyer Mile.
Where to redeem Miles
Pay for flight, hotel and car rental bookings using Miles and get preferential rates on the all-in-one booking platform Travel with OCBC.
View disclaimer.
Via Travel with OCBC
Where to redeem Miles
Via Travel with OCBC
Exchange Miles for vouchers from popular retailers or use them to purchase products and experiences on STACK.
View disclaimer.
Where to redeem Miles
Not sure which 90°N Card is right for you? Discover the privileges you get as a 90°N Mastercard or Visa Cardmember.
Enjoy a complimentary main course at participating restaurants in major cities across Asia Pacific. Terms and Conditions apply.
Unlock automatic cashback savings when you shop at participating merchants overseas. Plus, earn double cashback at selected duty-free merchants from 1 November 2023 to 31 January 2024. Terms and conditions apply.
Get 10% off when you charge at least S$60 to your 90°N Visa Card at SHEIN. Terms and Conditions apply.
Learn moreGet S$10 off when you charge at least S$100 to your 90°N Visa Card at Qoo10. Terms and Conditions apply.
Dining at Permata Singapore? Save 15% on your total bill.
To do so, make an online reservation and add promo code ‘VISA15’ under ‘Reservation Notes’. You must pay with a valid Visa card. Terms and Conditions apply.
Here is why together is always better. Earn interest of up to 4.65% a year on the first S$100,00 in your OCBC 360 Account when you do more with us.
Plus, simply open an OCBC 360 Account and credit your salary within 2 months to receive the following cash reward:
Valid till 31 December 2023. Limited redemptions available. Terms and conditions apply. Insured up to S$75k by SDIC.
If you have an OCBC 90°N Card, get Essential and Ultimate Single Trip plans at 45% off – so you can travel with added peace of mind.
Enter the campaign code BUY45T to get the discount. Promotion ends 31 December 2023.
New to CardUp
Already have CardUp
Miles are awarded as 90˚N Miles for every S$5 spent in a transaction. Find out more about 90°N Miles.
Get 50,000 Miles (awarded as 90°N Miles) with a Fee Upgrade of S$1,080 (including GST) and use them for your next holiday! SMS 72377 with: 90Nupgrade <space> Last 8 digits of your 90N card number (E.g. 90Nupgrade 12345678).
By sending the SMS, you agree to the Terms and Conditions Governing the OCBC 90°N Card Annual Service Fee Option.
Charge at least S$500 to your card a month, for two consecutive months, and pay a first year annual fee of S$194.40 (including GST).
Here is why together is always better. Earn interest of up to 4.65% a year on the first S$100,00 in your OCBC 360 Account when you do more with us.
Plus, enjoy S$150 cash reward for new-to-OCBC customers and S$80 cash reward for existing OCBC customers when you open your OCBC 360 Account and credit your salary within 2 months. Valid till 31 August 2023. Limited redemptions available. Terms and conditions apply. Insured up to S$75K by SDIC.
If you have an OCBC 90°N Card, get Essential and Ultimate Single Trip plans at 45% off – so you can travel with added peace of mind.
Enter the campaign code 9NXEX45 to get the discount. Promotion ends 31 December 2023. Disclaimer.
New to CardUp
Already have CardUp
Miles are awarded as 90˚N Miles for every S$5 spent in a transaction. Find out more about 90°N Miles.
Get 50,000 Miles (awarded as 90°N Miles) with a Fee Upgrade of S$1,080 (including GST) and use them for your next holiday! SMS 72377 with: 90Nupgrade <space> Last 8 digits of your 90N card number (E.g. 90Nupgrade 12345678).
By sending the SMS, you agree to the Terms and Conditions Governing the OCBC 90°N Card Annual Service Fee Option.
Minimum age
21 years old
Nationality
Singaporeans, Singapore PRs, E-Pass and S-Pass Holders
Annual income
S$30,000 and above for Singaporeans and Singapore PRs
S$45,000 and above for foreigners
Principal card
Annual Service Fee waived for the first year
Till 31 December 2023: S$54.00
(including GST)
From 1 January 2024: S$196.20
(including GST)
Principal cardholders who pay the Annual Service Fee in 2024 will earn 10,000 bonus 90°N Miles.
Supplementary card
Annual Service Fee waived for the first year
Till 31 December 2023: S$54.00
(including GST)
From 1 January 2024: S$98.10
(including GST)
Other fees and charges
Credit Bureau Singapore
Please note that additional time may be needed to review your application as Credit Bureau Singapore will be synchronizing data from 12am to 8am daily.
MyInfo
MyInfo will be temporarily unavailable from 2am to 8.30am every Wednesday and Sunday due to scheduled maintenance.
System Maintenance
Please note that your product may not be availed to you instantly during system maintenance hours between 9.30pm to 6am.
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
or visit us at a branch.
There is no cap on the amount of 90°N Miles you can earn each month.
Transaction date refers to the date when a purchase is made.
Posting date refers to the date the transaction is received by the card issuer, OCBC Bank. As merchants may make a settlement a few days after the transaction has been made, posting date may be a few days later than the transaction date. As such, OCBC Bank has no control over when the merchant records the transaction.
The OCBC 90°N Mastercard and Visa Cards have different award rates to suit your needs and preferences.
As these two cards are on different card associations (Mastercard/Visa), they may also enjoy different card association specific or targeted promotions from time to time.
Yes, both cards share the same rewards currency. Accumulated 90°N Miles earned on either cards will be summed together and reflected as one rewards currency in your statement.
Get S$50 cash rebate upon approval.
More information such as terms and conditions, fees and charges can be found here.
You're applying for the OCBC 90°N Mastercard
An Annual Service Fee of S$53.50 (including GST) will be charged upon card approval and it is not waivable.
Booking period: 9 November 2021 till 31 January 2022
Completion of stay, flight and car rentals must be done within 9 November 2021 till 30 June 2022.
S$60 is also applicable if:
To participate, any current 90°N cardmember simply has to refer a member of their household to apply for a new 90°N Card. Following card approval, both can receive a reward of up to 1,500 Travel$, provided that:
Other terms and conditions apply.
Here's a breakdown of how Travel$ will be awarded:
For new-to-OCBC cardmembers |
||
Earning period (when a minimum of one payment transaction is made) |
Referrer | Referee |
1st month from card approval | 500 Travel$ | 500 Travel$ |
2nd month from card approval | 500 Travel$ | 500 Travel$ |
3rd month from card approval | 500 Travel$ | 500 Travel$ |
Total rewards | 1,500 Travel$ | 1,500 Travel$ |
For existing OCBC cardmembers |
||
Earning period (when a minimum of one payment transaction is made) |
Referrer | Referee |
1st month from card approval | 200 Travel$ | 200 Travel$ |
2nd month from card approval | 200 Travel$ | 200 Travel$ |
3rd month from card approval | 200 Travel$ | 200 Travel$ |
Total | 600 Travel$ | 600 Travel$ |
There is no limit to the number of household members a referrer can refer. However, each referrer can only earn a maximum of one reward of up to 1,500 Travel$, regardless of the number of successful card applicants from their household.
Rewards will be credited to the participating cardmembers' accounts automatically, provided that all promotion conditions are met.
To opt out, SMS 72377 with the following by 31 July 2023: 90Nwaive <space> Last 8 digits of your OCBC 90°N Credit Card number.
Once we receive your request, we will deduct 10,000 Miles from your account and refund the annual service fee charge of S$180 (excluding GST). We regret that, if you do not have sufficient Miles for deduction, we will not be able to refund the annual service fee.
NRIC
Passport
Employment Pass (EP); or S-Pass
Phone bill
Half-yearly CPF statement
Any bank statement
Kindly note that the renewal bonus of 10,000 Travel$ is awarded automatically once your Annual Service Fee (ASF) is charged. This renewal bonus will be deducted if the ASF is waived subsequently. In the event that you have insufficient or negative Travel$, charges may be imposed.
Enjoy exclusive access to more than 1000 lounges at a prevailing rate by Mastercard®.
To access participating lounges, present your OCBC 90°N Card, or your digital lounge access code, together with your boarding pass and identify yourself as a LoungeKey member.
To redeem offers, select your preferred offer and generate an offer code. Present the valid offer code to the cashier and redeem the offer.
Travel$ will be awarded for every S$5 spent on a per transaction basis. Find out more about Travel$.
Foreign currency spend | Selected merchants on online and groceries spend | |
Usual rate | 2.1 | 1.2 |
Promotional rate | 2.3 | 1.4 |
Promotional rate applies for every S$1 spent in the above mentioned categories, capped at the first S$1,000 spent (combined and calculated cumulatively). Limited to the first 10,000 customers.
This is for general information only. It is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. The precise terms and conditions of the plans are specified in the insurance policy contract. Explorer is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and member of the OCBC Group. Explorer is not a bank deposit or obligation of, or guaranteed by OCBC Bank.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites.
Booking period: Now - 30 November 2024
Stay period: Now - 31 December 2024
Bonus Miles will be credited up to 2 months after hotel check out date.
Booking must be done via www.agoda.com/90n.
To ensure booking is tracked accurately, do not access any other Agoda landing pages after accessing this site on any browser.
Only valid for prepaid bookings.
Cannot be combined with other promotions, discounts or cashback sites.
Booking period: Now - 30 November 2023
Stay period: Now - 31 December 2023
Bonus Travel$ will be credited up to 2 months after hotel check out date.
Booking must be done via www.agoda.com/90n.
To ensure booking is tracked accurately, do not access any other Agoda landing pages after accessing this site on any browser.
Only valid for prepaid bookings.
Cannot be combined with other promotions, discounts or cashback sites.
E-Commerce Protection is provided automatically for purchases made with your OCBC 90°N Card.
It provides worldwide coverage for online purchases if:
Travel with OCBC is developed, operated and maintained by a third party provider. All products and services made available through Travel with OCBC are provided by third parties. Travel with OCBC terms and conditions apply.
STACK Marketplace Voucher is issued by Option Gift Pte Ltd which owns the registered trademark UNIQGIFT. Accordingly, even if this voucher incorporates the "STACK" mark, logo and/or other marks and logos of OCBC, OCBC is not responsible for any issue that arises in connection with the redemption and/or use of this voucher. OCBC/STACK shall not be responsible or held liable for any loss, injury, damage or harm suffered or incurred by or in connection with the redemption or use of the voucher by any person.
Earn miles when you pay for bills that do not offer rewards such as income taxes, insurance, school fees, car loans, and more. Receive up to 1.3 90°N Miles with every S$1 you spend on your OCBC 90°N Card. You can also set up recurring payments to enjoy discounted admin fees.
Here’s how you can apply to earn 90°N Miles with CardUp:
Sign up for a CardUp account.
Choose a payment category and enter your payment details. The payment amount will be charged to your OCBC 90°N Card. CardUp will do a bank transfer to the respective recipient(s) each payment cycle.
Just pay your credit card bill the next month and start earning your 90°N Miles.
Visa Terms and Conditions
Permata Singapore is solely responsible for this offer. Reservations required to redeem this promotion. Not valid in conjunction with other promotions. Not valid on eve of Public Holidays, major event nights such as Mother’s Day, Valentine’s Day, etc. Not valid in conjunction with other promotions.
Restaurants
1Eligibility is subject to all qualifying conditions.