OCBC 90°N card

From daily spends, to thrilling adventures

Why you will love this

Earn 1.3 Miles per S$1 spent in SGD and 2.1 Miles per S$1 spent in foreign currency

Redeem air miles, cash rebates and more

Miles never expire

Who can apply

Singaporean, Singapore PR, E-pass and S-pass holders

Anyone above 21 years old

Grow your mileage for less with leading earn rates and up to 55,000 miles when you apply and spend – enough for a return trip to Tokyo or Seoul¹.

earn miles from your spend

Earn 2.1 Miles per S$1

spent in foreign currency.

spent in foreign currency.

Earn 1.3 Miles per S$1

spent in local currency (SGD).

spent in local currency (SGD).

Earn unlimited miles

Awarded as 90°N Miles in blocks of S$5 per transaction. Every 90°N Mile = 1 KrisFlyer Mile.

Awarded as 90°N Miles in blocks of S$5 per transaction. Every 90°N Mile = 1 KrisFlyer Mile.

Miles never expire

Redeem air miles in blocks of as few as 1,000 miles

limited-time sign-up offer

Up to 55,000 miles and more when you sign up and spend

Awarded as 55,000 90°N Miles

  • 35,500 miles will be awarded within 2 weeks from card approval date. 19,500 miles (based on spend in SGD) will be awarded as you spend with your 90°N Card.
  • To retain the reward of 35,500 bonus miles, meet the qualifying spend requirements, and pay the 1st year Annual Service Fee2.
  • Valid for new-to-OCBC cardmembers who apply and have their application approved by 31 March 2023.

Terms and conditions, fees and charges apply.

See how it works

Maximize your miles

 

Redeem air miles, hotel loyalty points, cash rebates and much more.

Redeem air miles, hotel loyalty points, cash rebates and much more.

Ways to use 90°N Miles

Where to redeem 90°N Miles

Airline and hotel partners

Cash rebates

Redeem air miles and points

Convert 90°N Miles to loyalty points across 9 airline and hotel partner programmes.

Every 90°N Mile = 1 KrisFlyer Mile.

Where to redeem 90°N Miles

Shopping rewards

Offset travel costs

Pay for flight, hotel and car rental bookings using 90°N Miles, and get preferential rates on the all-in-one booking platform.

View disclaimer.

Where to redeem 90°N Miles

Via Travel with OCBC

Air miles

Exchange for cash rebates

Offset credit card bills with cash rebates of up to 2.1%. There is no cap or minimum spend.

Where to redeem 90°N Miles

Via OCBC Rewards

Air miles

Get vouchers and more

Exchange 90°N Miles for vouchers from popular retailers or use them to purchase products and experiences on STACK.

View disclaimer.

Where to redeem 90°N Miles

Via STACK Marketplace

Airline and hotel partners

OCBC$ earn rate

Airlines

  • Singapore Airlines KrisFlyer
  • Air France – KLM Flying Blue
  • British Airways Executive Club
  • Cathay Pacific
  • Etihad Guest
  • United MileagePlus
OCBC$ earn rate

Hotels

  • ALL – Accor Live Limitless
  • IHG One Rewards
  • Marriot Bonvoy®
latest promotions
Earn higher interest rates with OCBC 360 Account and OCBC 90°N Card

Here is why together is always better. Earn up to 7.65% interest a year on the first S$100,000 in your OCBC 360 Account when you do more with us.

Insured up to S$75k by SDIC.

Learn more 

Enjoy 45% off travel insurance

Exclusively for 90°N cardmembers, enjoy 45% off Essential and Ultimate Single Trip plans whilst you travel with an added peace of mind.

Simply key in the campaign code 9NXEX45 to enjoy the discount! Promotion is valid till 30 June 2023. Disclaimer.

Terms and conditions apply.

Learn more 

Maximise rewards with CardUp!
  • New to CardUp

    • 1.5% admin fee for a one-off payment or the first payment of a recurring series of maximum S$10,000
    • Promo code: OCBC90N15
  • Existing to CardUp

    • 2% admin fee for all payment types of maximum S$10,000
    • Promo codes: OCBC90NMC for 90°N Mastercard, OCBC90NV for 90°N Visa Card (capped at 100 redemptions each)
    • Redemption period of 6 months from start of campaign

See how it works 

Up to 7 90°N Miles per S$1 spent on accommodations worldwide
  • 7 90°N Miles per S$1 on bookings made in foreign currency
  • 6 90°N Miles per S$1 on bookings made in SGD

90°N Miles are awarded for every S$5 spent per transaction. Find out more about 90°N Miles.

See booking requirements 

Free 12-month Burpple membership worth S$99

Just make 5 qualifying transactions on your new card within 30 days from card approval to receive a free 12-month Burpple Beyond Premium membership and gain access to 1-for-1 deals at over 600 restaurants, cafes, and bars.

Valid till 31 December 2023 for new and existing OCBC Cardmembers. Terms and conditions, fees and charges apply.

Apply now 

HOW TO EARN SIGN-UP REWARD

How Sign-up Reward is earned:

Offer of choice
Option 1: 55,000 miles Option 2: 45,000 miles
How you will earn What you will earn
Meet minimum qualifying spend of S$15,000 by either 31 August 2023 (for cards approved in February 2023) or 30 September 2023 (for cards approved in March 2023) Bonus miles 25,500 miles
Base miles
(based on local currency spend)
19,500 miles
Annual Service Fee bonus2 10,000 miles
with payment of S$180 (excl. GST)
No bonus 10,000 miles
with no Annual Service Fee payment
Total earned 55,000 miles 45,000 miles

Looking to earn more than 55,000 miles?
You can accumulate even more miles simply by charging more than the qualifying spend requirements on your new 90°N Card. There is no cap on the amount of miles you can earn. Apply today to start earning your miles. Terms and conditions, fees and charges apply.

*Offer is valid for new-to-OCBC cardmembers. To qualify, new applicants must apply and have their application approved by 30 June 2023, pay the 1st year Annual Service Fee of S$180 (excl. GST), and meet the qualifying spend requirements. 35,500 bonus 90°N Miles will be credited to the new cardmember’s account within 2 weeks from their card approval date and the remaining 19,500 90°N Miles will be awarded as the cardmember spends on their 90°N Card in SGD.

1Miles redemption example is based on Singapore Airlines Economy Saver Awards and correct as of January 2023.

2The 1st year Annual Service Fee of S$180 (excl. GST) will be charged to the new cardmember’s account within 2 weeks from card approval. Cardmembers can opt out of paying the 1st year Annual Service Fee.

BEFORE YOU APPLY

Eligibility requirements

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


Fees

Principal card

Annual Service Fee: S$54.00 (waived for the first year).
New-to-OCBC cardmembers who opt to pay a first year Annual Service Fee of S$180 (excl. GST) will receive 10,000 Bonus 90°N Miles.

Supplementary card

Annual Service Fee: S$54.00 (waived for the first year).

Other fees and charges



Important notices

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

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.


Ready to apply?

Start earning new travel experiences with the OCBC 90°N Card this instant

FAQs
Is there any cap on the 90°N Miles I can earn each month?

There is no cap on the amount of 90°N Miles you can earn each month.

What is the difference between transaction date and posting date?

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.

What is the difference between OCBC 90°N Mastercard and Visa Card?

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.

Does the 90°N Miles earned on both OCBC 90°N Mastercard and Visa Card pool together?

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.

More questions and answers

OCBC 90°N Card

card

New OCBC Cardmembers

Get S$50 cash rebate upon approval.

  • No minimum spend required
  • Apply online by 31 December 2019

T&Cs apply

More information such as terms and conditions, fees and charges can be found here.

1
For Singaporeans and Permanent Residents:

NRIC

For Foreigners:

Passport
Employment Pass (EP); or S-Pass

2
S$1,000 for initial deposit
3
Include any one of the following documents:

Phone bill
Half-yearly CPF statement
Any bank statement