Spend JPY 35,000 or more at LAOX, get JPY 3,500 cashback.
There is no cap on the amount of 90°N Miles you can earn each month.
Open an OCBC MyOwn Account and Debit Card for your child for a chance to win this incredible escape. Plus, enjoy an upsized 1% interest a year for 6 months on the first S$5,000. Apply by 31 October 2025!
T&Cs apply. Insured up to S$100k by SDIC.
Score exclusive merchandise when you apply, save or redeem your OCBC$, 90°N or VOYAGE miles with us.
T&Cs apply. While stocks last.
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.
The OCBC SeniorCare Programme empowers you through four key pillars: Health, Wealth, Lifestyle and Literacy.
Achieve your goals with proper financial planning.
Get data and insights into the financial wellness of Singaporeans.
Get rewarded for what matters: your salary, your lifestyle, and your smart savings habits.
From financial planning tools, investment options and insurance, our comprehensive array of solutions have been built to get you ahead in your every goal and ambition.
The digital platform to track, exchange and redeem rewards points across different rewards programmes is now accessible on the OCBC Pay Anyone™ app.
A new way to get away is here. Get one of the best rates in town for hotels, flights and car rentals. And offset booking prices instantly with OCBC reward points.
Fancy shopping at a bank branch or even enjoying a sushi meal there? At OCBC Wisma Atria, you can do all these and more – visit us to experience it firsthand!
With our suite of travel products and services, spend less effort managing your travel and more time enjoying life's journeys.
Earn up to 7 Miles (equivalent to 7% cash rebate) for every S$1 spent on Agoda
Earn 1.3 Miles (equivalent to 1.3% cash rebate) for every S$1 spent in SGD and 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency
Earn unlimited miles that never expire
Singaporeans and Singapore PRs aged 21 to 54, with an annual income of at least S$30,000
Singaporeans and Singapore PRs aged 55 and above, with an annual income of at least S$15,000
Foreigners aged 21 and above, with an annual income of at least S$45,000
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
Singaporeans and Singapore PRs aged 21 to 54, with an annual income of at least S$30,000
Singaporeans and Singapore PRs aged 55 and above, with an annual income of at least S$15,000
Foreigners aged 21 and above, with an annual income of at least S$45,000
which are awarded as 90˚N Miles for every S$5 spent in a transaction. 1 90˚N Mile = 1 KrisFlyer Mile or 1% cashback.
which are awarded as 90˚N Miles for every S$5 spent in a transaction. 1 90˚N Mile = 1 KrisFlyer Mile or 1% cashback.
Spend JPY 35,000 or more at LAOX, get JPY 3,500 cashback.
Spend KRW 250,000 or more at Shilla Duty Free Store, get KRW 50,000 cashback.
Spend USD 1,000 or more at Shinsegae Duty Free, get USD 50 cashback.
Spend KRW 300,000 or more at Hyundai Department Store Trade Center Store, get KRW 30,000 cashback.
Spend HKD 2,000 or more at the Shilla Duty Free Store at Hong Kong International Airport, get HKD 200 cashback.
To qualify, simply activate these deals from the Mastercard Travel Rewards portal quarterly before you spend.
From now to 31 December 2025, apply for a new OCBC 90°N Card and spend at least S$300 to get a Zootopia luggage cover and a medium-sized luggage.
T&Cs apply. While stocks last. Limited to 1 luggage cover and medium-sized luggage per customer. Featured products are for illustration only; actual colours may vary. Card fees and charges apply. Only for new OCBC Card customers.
For KrisFlyer Miles, Cathay Asia Miles, hotel reward points and more.
For reference, 1 90°N Mile = 1 KrisFyler Mile.
Where to redeem Miles
Pay for flights, hotels and car rental bookings using miles. 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 for products or experiences.
View disclaimer.
Where to redeem Miles
New OCBC 90°N Visa cardmembers get 4 complimentary DragonPass lounge visits (worth S$170). Just apply for the Card and charge at least S$500 in retail purchases to it within 30 days of having your card approved. From now till 31 July 2024.
DragonPass lets you enjoy access to over 1,300 lounges worldwide. You also get exclusive discounts at airport restaurants, and more.
To qualify for this offer, apply for a credit card via the link below. You will receive your gift within 4 months of meeting the minimum spending requirements. T&Cs, fees and charges apply.
Not sure which 90°N Card is right for you? Discover the privileges you get as a 90°N Mastercard or Visa Cardmember.
Enjoy complimentary 3X 1GB 5-Day Flexiroam Data Plan per calendar year in over 200 countries and regions with a one-time setup, exclusively for OCBC 90N Mastercard cardmembers. Plus, enjoy 15% discount on all subsequent Flexiroam data plans.
Unlock cash rebate when you shop from over 400 overseas merchants. Offers refresh every quarter. To qualify, simply activate the deals from Mastercard Travel Reward portal quarterly before you spend.
With VIP access to over 1,300 airport lounges worldwide, plus valuable dining offers available in airports via the mobile app, our airport pass has never been better.
Enjoy a complimentary main course at participating restaurants in major cities across Asia Pacific. Terms and Conditions apply.
Enjoy 10% off at In-Park Retail Stores, available across Mandai’s Iconic Wildlife Parks.
Enjoy a complimentary night stay when you book your next stay at participating Pan Pacific, PARKROYAL COLLECTION or PARKROYAL hotels, resorts and serviced suites.
Enjoy up to 8% off hotel bookings and 3% off flights when you pay with your Visa card. Terms and Conditions apply.
Learn moreEnjoy 20% off stays at IHG properties across Asia Pacific when you use your 90°N Visa Card.
Enjoy up to 20% off your total bill at participating restaurants when you pay using your 90°N Visa Card.
Discover the privileges you get as an OCBC 90°N Visa Cardmember.
Enjoy up to 8% off hotel bookings and 3% off flights when you pay with your Visa card. Terms and Conditions apply.
Learn moreEnjoy 20% off stays at IHG properties across Asia Pacific when you use your 90°N Visa Card.
Enjoy up to 20% off your total bill at participating restaurants when you pay using your 90°N Visa Card.
Here is why together is always better. Earn interest of up to 4.65% a year on the first S$100,000 in your OCBC 360 Account when you do more with us.
Terms and conditions apply. Insured by up to S$100K by SDIC.
As a OCBC 90°N Cardholder, enter the promo code BUY45T to get 45% off Single Trip plans.
For annual plans, enter the promo code TAA15A to get 15% off.
Promotion ends 31 December 2024.
Terms and Conditions governing the 90°N x OCBC Explorer Promotion
New to CardUp
Already have CardUp
Promotions end 31 December 2024.
Miles are awarded as 90˚N Miles for every S$5 spent in a transaction. Find out more about 90°N Miles.
Get 22,000 Miles (awarded as 90°N Miles) with a Fee Upgrade of S$545 (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.
Enjoy dining, shopping and travel offers provided by over 100 merchants.
New to CardUp
Promotions end 31 March 2026.
Already have CardUp
Promotions end 31 March 2026.
Miles are awarded as 90˚N Miles for every S$5 spent in a transaction. Find out more about 90°N Miles.
Here is why together is always better. Earn interest of up to 2.45% a year on the first S$100,000 in your OCBC 360 Account when you do more with us.
Terms and conditions apply. Insured up to S$100K by SDIC.
Enjoy dining, shopping and travel offers provided by over 100 merchants.
Minimum age
21 years old
Nationality
Singaporeans, Singapore PRs, E-Pass and S-Pass Holders
Annual income
At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners
Principal card
S$196.20 (including GST), waived for the first year
Principal cardholders who pay the Annual Service Fee in 2024 will earn 10,000 bonus 90°N Miles.
Supplementary card
S$98.10 (including GST), waived for the first year
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000
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.
Deposit Insurance Scheme
90°N Visa DragonPass Campaign: How to access your DragonPass membership
Minimum age
21 years old
Nationality
Singaporeans, Singapore PRs, E-Pass and S-Pass Holders
Annual income
At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54
At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
At least S$45,000 for foreigners
Principal card
S$196.20 (including GST), waived for the first year
Principal cardholders who pay the Annual Service Fee will earn 10,000 bonus 90°N Miles.
Supplementary card
S$98.10 (including GST), waived for the first year
Minimum spending required to have your Annual Service Fee automatically waived
S$10,000
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.
Deposit Insurance Scheme
or visit us at a branch.
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.
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$1,000 spent (combined and calculated cumulatively). Limited to the first 10,000 customers.
This is for general information only. It is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. The precise terms and conditions of the plans are specified in the insurance policy contract. Explorer is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and member of the OCBC Group. Explorer is not a bank deposit or obligation of, or guaranteed by OCBC Bank.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites.
Booking period: Now - 30 November 2025
Stay period: Now - 31 December 2025
Bonus Miles will be credited up to 2 months after hotel check out date.
Booking must be done via www.agoda.com/90n.
To ensure booking is tracked accurately, do not access any other Agoda landing pages after accessing this site on any browser.
Only valid for prepaid bookings.
Cannot be combined with other promotions, discounts or cashback sites.
Booking period: Now - 30 November 2023
Stay period: Now - 31 December 2023
Bonus Travel$ 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.
Promotions end 31 March 2026.
Promotions end 31 March 2026.
Promotions end 31 March 2026.
Promotions end 31 March 2026.
Terms and conditions apply on both New to CardUp and Existing to CardUp.
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.
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