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.
Estimate your home affordability, valuation and rental yield in one single calculator.
Conveniently and securely exchange AUD, CAD, 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 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
Singaporean, Singapore PR, E-pass and S-pass holders
Anyone above 21 years old
spent in foreign currency.
spent in foreign currency.
spent in local currency (SGD).
spent in local currency (SGD).
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.
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
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.
Via Travel with OCBC
Where to redeem 90°N Miles
Via Travel with OCBC
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
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.
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.
New to CardUp
Existing to CardUp
90°N Miles are awarded for every S$5 spent per transaction. Find out more about 90°N Miles.
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.
Use it to jet off to Tokyo, Seoul or many of your favourite destinations!1
How Sign-up Reward is earned:
|
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.
To qualify for the Bonus 90°N Miles reward, the new cardmember must spend a minimum of S$15,000 in qualifying spend by the following dates:
If cardmember fails to meet the above qualifying spend by the above dates, the Bonus 90°N Miles awarded will be clawed back by the bank. If the cardmember does not have sufficient 90°N Miles in their account, a charge of S$500.00 (excl. GST) will be charged to their account.
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: 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
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$, regardless of the number of successful card applicants from their household.
Rewards will be credited to the participating cardmembers' accounts automatically, provided that all promotion conditions are met.
Upon reversal of the ASF, 10,000 90°N Miles will be clawed back from the original 35,500 90°N Miles awarded upfront by the Bank. If there are insufficient 90°N Miles in the cardmember’s account, no fee waiver will be granted.
NRIC
Passport
Employment Pass (EP); or S-Pass
Phone bill
Half-yearly CPF statement
Any bank statement
Kindly note that the renewal bonus of 10,000 Travel$ 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$, charges may be imposed.
Each lounge visit is chargeable at USD 32 per person, per visit.
To access participating lounges, present your OCBC 90°N Card, or your digital lounge access code, together with your boarding pass and identify yourself as a LoungeKey member.
To redeem offers, select your preferred offer and generate an offer code. Present the valid offer code to the cashier and redeem the offer.
Travel$ 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$1,000 spent (combined and calculated cumulatively). Limited to the first 10,000 customers.
This is for general information only. It is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. The precise terms and conditions of the plans are specified in the insurance policy contract. Explorer is underwritten by Great Eastern General Insurance Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and member of the OCBC Group. Explorer is not a bank deposit or obligation of, or guaranteed by OCBC Bank.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the General Insurance Association (GIA) or SDIC websites.
Booking period: Now - 30 November 2023
Stay period: Now - 31 December 2023
Bonus Travel$ 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 1.2 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.