OCBC 90°N card

From daily spending to thrilling adventures

Why you will love this

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

Who can apply

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

OCBC 90°N Card

From daily spending to thrilling adventures

Why you will love this

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

 

Get 31,888 90°N Miles when you sign up for an OCBC 90°N Card Find out more

EXCLUSIVE OFFER
Earn 4 Miles per S$1 spent in foreign currency

From now till 29 Feb 2024, earn 4 Miles per S$1 when you spend in foreign currency! Simply make a minimum spend of S$3,000 per month (in any currency) to qualify. Bonus Miles are capped at the first S$3,000 spend in foreign currency per month. Limited to the first 300 qualifying customers per month.

To enjoy this promotion, SMS 72377 with: 90NFX23 <space> Last 8 digits of your 90N card number (E.g. 90NFX23 12345678).

Terms and conditions apply.

EARN MILES FROM YOUR SPEND

Up to 7 Miles for every S$1

spent on bookings made on Agoda.

spent on bookings made on Agoda.

2.1 Miles for every S$1

spent in foreign currency.

spent in foreign currency.

1.3 Miles for every S$1

spent in local currency (SGD).

spent in local currency (SGD).

Earn unlimited Miles

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.

Miles never expire

Redeem air miles in blocks as small as 1,000 Miles

Maximise 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 Miles

Where to redeem Miles

Ways to use Miles

Cash rebates

Redeem air miles and points

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

Shopping rewards

Offset travel costs

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.

Where to redeem 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 limit or minimum spending required.

Where to redeem Miles

Via OCBC Rewards

Air miles

Get vouchers and more

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

View disclaimer.

Where to redeem 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
  • Etihad Guest
  • United MileagePlus
OCBC$ earn rate

Hotels

  • ALL – Accor Live Limitless
  • IHG One Rewards
  • Marriott Bonvoy®
card privileges

Not sure which 90°N Card is right for you? Discover the privileges you get as a 90°N Mastercard or Visa Cardmember.

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privileges

privileges

One Dines Free programme

Enjoy a complimentary main course at participating restaurants in major cities across Asia Pacific. Terms and Conditions apply.

Learn more 

Exclusive DragonPass Access

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.

Learn more 

Mastercard Travel Rewards: Instant cashback on your overseas spend

Unlock automatic cashback savings when you shop at participating merchants overseas.

Learn more 

SHEIN

Get 10% off when you charge at least S$60 to your 90°N Visa Card at SHEIN. Terms and Conditions apply.

Learn more 
Qoo10

Get S$10 off when you charge at least S$100 to your 90°N Visa Card at Qoo10. Terms and Conditions apply.

Learn more 

Permata Singapore

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.

Learn more 

latest promotions
Earn higher interest rates with the OCBC 360 Account and OCBC 90°N Card

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 of at least S$1,800 within 2 months to enjoy:

  • S$108 cash reward for new-to-OCBC customers
  • S$78 cash reward for existing OCBC customers

Promotion ends 29 February 2024. Terms and conditions apply. Insured up to S$75K by SDIC.

Get 45% off travel insurance

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 March 2024. 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 payments (up to S$10,000)
    • Promo code: OCBC90N15
  • Already have CardUp

    • 2% admin fee on all payment types (up to S$10,000)
    • Promo codes: OCBC90NMC for the 90°N Mastercard, OCBC90NV for the 90°N Visa Card (limited to 100 redemptions each)
    • Promo codes can be used until 30 June 2024

See how it works 

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

Miles are awarded as 90˚N Miles for every S$5 spent in a transaction. Find out more about 90°N Miles.

See booking requirements 

Limited Time Offer: Earn Additional 22,000 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.

Discover all our deals in one place

Enjoy dining, shopping and travel offers provided by over 100 merchants.

View offers 

Discover all our deals in one place

Enjoy dining, shopping and travel offers provided by over 100 merchants.

View offers 

latest promotions
Get 31,888 90°N Miles when you sign up for an OCBC 90°N Card

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).

Terms and conditions apply.

Earn higher interest rates with the OCBC 360 Account and OCBC 90°N Card

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.

Learn more 

Get 45% off travel insurance

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.

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 payments (up to S$10,000)
    • Promo code: OCBC90N15
  • Already have CardUp

    • 2% admin fee on all payment types (up to S$10,000)
    • Promo codes: OCBC90NMC for the 90°N Mastercard, OCBC90NV for the 90°N Visa Card (limited to 100 redemptions each)
    • Promo codes can be used until 30 September 2023

See how it works 

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

Miles are awarded as 90˚N Miles for every S$5 spent in a transaction. Find out more about 90°N Miles.

See booking requirements 

Limited Time Offer: Earn Additional 50,000 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.

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

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



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.


BEFORE YOU APPLY

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