- 7 Travel$ per S$1 on bookings made in foreign currency
- 6 Travel$ per S$1 on bookings made in SGD
Travel$ are awarded for every S$5 spent per transaction. Find out more about Travel$.
There is no cap on the amount of Travel$ you can earn each month.
OCBC 90°N Mastercard
Earn more on your daily spend for future travels
Maximise your rewards with Cardup Find out more
A versatile travel companion that lets you go the distance and rewards you with more Travel$ for every spend.
Immediate perks
Earn 8 miles on your accommodation (Till 29 February 2020)
For Agoda transactions, bookings must be made through agoda.com/ocbc90n. Bonus miles will be credited to your account within 2 months after your departure from the hotel.
For Expedia transactions, bookings must be made through expedia.com.sg/ocbc90n.
To ensure the transaction is tracked accurately, do not access any other Agoda or Expedia landing pages after accessing this site on any browser. This promotion also cannot be used in conjunction with any other promotions/ discount codes/ Shopback.
Earn 4 miles on your flight booking (Till 29 February 2020)
Earn 4 miles on shopping and entertainment (Till 29 February 2020)
Bonus miles for DFS and Shilla will be awarded for in-store spend at Changi Airport only.
Announcement
The OCBC 90°N Mastercard now comes with a brand new look! All communications will feature this refreshed card design going forward.
New card applicants will receive this new card design from 15 October 2021. For existing cardmembers, the new card design will only be issued to you upon card renewal or replacement.
Benefits
2.1 Travel$ per S$1 spent
- 2.1 Travel$ with every S$1 spent on Foreign Currency.
- Travel$ are awarded in blocks of S$5 per transaction.
- 2.1 Travel$ with every S$1 spent on Foreign Currency.
- Travel$ are awarded in blocks of S$5 per transaction.
1.2 Travel$ per S$1
Local Spend (SGD)
- Travel$ are awarded for every S$5 spent per transaction
- Travel$ are awarded for every S$5 spent per transaction
Travel$ that do not expire, with easy redemption
- No expiry – redeem whenever you want
- No conversion fees from Travel$ to Miles
- Less wastage as Miles are converted in blocks of 1,000 Travel$
- From December 2022, convert Travel$ to loyalty points at 8 airline and hotel partner programmes.
- No expiry – redeem whenever you want
- No conversion fees from Travel$ to Miles
- Less wastage as Miles are converted in blocks of 1,000 Travel$
- From December 2022, convert Travel$ to loyalty points at 8 airline and hotel partner programmes.
Turn your Travel$ to cash rebates
STACK your rewards
- Get exclusive deals on STACK Marketplace
- Enjoy real-time points conversion across different rewards programmes
- Get exclusive deals on STACK Marketplace
- Enjoy real-time points conversion across different rewards programmes
E-Commerce Protection
All online purchases on your OCBC 90°N Card come with e-Commerce Protection, which safeguards you against non-delivery or defective goods or if the seller fails to reimburse you.
All online purchases on your OCBC 90°N Card come with e-Commerce Protection, which safeguards you against non-delivery or defective goods or if the seller fails to reimburse you.
Agoda Travel$ Promotion
Up to 7 Travel$ per S$1 spent on Agoda accommodations worldwide
OCBC 360 Account x OCBC Credit Card promotion
Earn higher interest rates with OCBC 360 Account and OCBC 90°N Mastercard
Here is why together is always better. Earn up to 7.65% a year on the first S$100,000 in your OCBC 360 Account when you do more with us.
Welcome gift
Year-long Burpple membership up for grabs!
Apply for a new OCBC 90°N Mastercard and make a minimum of 5 qualifying transactions within 30 days of your card approval to receive a free 12-month Burpple Beyond Premium membership (worth S$99).
Gain access to 1-for-1 deals at over 600 restaurants, cafes, and bars.
Promotion is applicable to both new and existing OCBC Cardmembers. Valid till 31 December 2022.
Maximise rewards with CardUp
Maximise your rewards with CardUp! Earn miles when you pay for bills that do not offer rewards such as income taxes, insurance, school fees, car loans, and more. Receive 1.2 Travel$ with every S$1 you spend on your OCBC 90°N Card. You can also set up recurring payments to enjoy discounted admin fees.
Here’s how you can apply to earn Travel$ with CardUp:
1
Register for an account
Find out more and sign up for a CardUp account.
2
Input your OCBC 90°N Card under payment details
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.
3
Pay your monthly bills
Just pay your credit card bill the next month and earn your Travel$.
Admin fees
New to CardUp
- 1.7% CardUp admin fee on a one-off or first payment of a recurring series of maximum S$10,000.
- Second payment of a recurring series will be charged at 2.6% admin fee for the remaining months.
- Promo code: OCBC90N17.
Travel with OCBC
Enjoy preferential rates on Travel with OCBC and offset booking prices with Travel$
Planning for your next vacation abroad? Find and snag the best prices for flights, hotels and car rentals on Travel with OCBC, our very own all-in-one booking platform for all things travel.
Enjoy preferential rates now and offset booking prices with your accumulated Travel$.
Start earning new travel experiences
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$53.50 a year (waived for the first year).
S$54.00 from 1 January 2023.
Receive 10,000 Travel$ when you top up S$139. For Cardmembers who have requested for this benefit but have received a waiver for the Annual Service Fee, OCBC Bank will charge the Annual Service Fee of S$53.50 together with S$139 (totalling a sum of S$192.50). Receive 10,000 Travel$ when you top up S$139.
Supplementary card
S$53.50 a year per card (waived for the first year)
S$54.00 from 1 January 2023
Other fees and charges
Important notices
Credit Bureau Singapore
Please note that additional time may be needed to review your application as Credit Bureau Singapore will be synchronizing data from 12am to 8am daily.
MyInfo
MyInfo will be temporarily unavailable from 2am to 8.30am every Wednesday and Sunday due to scheduled maintenance.
System Maintenance
Please note that your product may not be availed to you instantly during system maintenance hours between 9.30pm to 6am.
Ready to apply?
Start earning new travel experiences with the OCBC 90°N Mastercard this instant
or visit us at a branch.
FAQs
Is there any cap on the Travel$ I 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. Please refer to www.ocbc.com/90nvisa for the OCBC 90°N Visa Card benefits.
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 Travel$ earned on both OCBC 90°N Mastercard and Visa Card pool together?
Yes, both cards share the same rewards currency. Accumulated Travel$ earned on either cards will be summed together and reflected as one rewards currency in your statement.
OCBC 90°N Card
New OCBC Cardmembers
Get S$50 cash rebate upon approval.
- No minimum spend required
- Apply online by 31 December 2019
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$53.50 (including GST) will be charged upon card approval and it is not waivable.
Enjoy 3 Travel$ per dollar spent on Travel with OCBC
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.
- Promotion is capped at first S$1,000 spent and first 1,200 cardmembers
- Bonus Travel$ will be credited up to 2 months after booking completion
- All Travel$ will be awarded in blocks of S$5
- Terms and conditions apply.
Terms and conditions:
- Bookings must be made via CTM Singapore – sg.etihad@travelctm.com
- Payment must be made with an OCBC 90°N Card.
- Not valid in conjunction with other discounts, loyalty card, promotions or vouchers.
- Book and travel by 30 September 2022.
- Booking fee of S$60 applies.
S$60 is also applicable if:
- Booking amendment which requires reissuance.
- Cancellation or refund
- Merchant’s terms and conditions apply. Please contact the merchant directly for full details.
- OCBC and the Merchant reserve the right at their absolute discretion to terminate the Promotion or vary, delete or add to the Promotion, or any of these terms and conditions, at any time without notice including without limitation, the dates of the Promotion.
- OCBC shall not be responsible for the quality, merchantability or fitness for any purpose or any other aspect of the Promotion or any product/service relating to the Promotion. Notwithstanding anything herein, OCBC shall not at any time be responsible or held liable for any defect or malfunction in any product or the deficiency in any service provided, and/or any loss, injury, damage or harm suffered or incurred by or in connection with the use of the Promotion, or any product/service relating to the Promotion, by any person.
- OCBC’s decision on all matters relating to the Promotion or terms and conditions will be final and binding on all participants. No correspondence or appeal shall be entertained by OCBC. In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional material relating to the Promotion, these terms and conditions shall prevail.
- Amsterdam
- Athens
- Barcelona
- Cairo
- Chicago
- Frankfurt
- Generca
- Istanbul
- London
- Madrid
- Manchester
- Milan
- Munich
- New York
- Paris
- Rome
- Tel Aviv
- Vienna
- Washington
- Toronto
- Zurich
Household Referral Promotion: How it works
To participate, any current 90°N cardmember simply has to refer a member of their household to apply for a new 90°N Card. Following card approval, both can receive a reward of up to 1,500 Travel$, provided that:
- Referrer and referee (new 90°N card applicant) reside at the same address, as per their NRIC;
- Referee submits her/his application by 31st October 2022; and
- Referee makes at least one payment per month, from their card approval date, with their new 90°N Card.
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.
1
For Singaporeans and Permanent Residents:
NRIC
For Foreigners:
Passport
Employment Pass (EP); or S-Pass
2
S$1,000 for initial deposit
3
Include any one of the following documents:
Phone bill
Half-yearly CPF statement
Any bank statement
Kindly note that the renewal bonus of 10,000 Travel$ 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$5 spent on a per transaction basis. Find out more about Travel$.
- To redeem a cash rebate of S$10, 1,000 Travel$ is required.
- Based on 2.1 Travel$ earned for every S$1 in foregin currency spend, you need to spend S$476 in order to earn 1,000 Travel$.
- Therefore, S$10 cash rebate out of S$476 spent is equivalent to 2.1% rebate.
Enjoy worldwide coverage for online purchases
E-Commerce Protection is provided automatically for purchases made with your OCBC 90°N Card.
It provides worldwide coverage for online purchases if:
- Incomplete delivery or wrong item delivered.
- Improperly functioning due to physical damage to delivered items.
- Non-delivery of purchase after 30 days of the scheduled delivery.
- Faster and easier claim process.
Important booking requirements
Booking period: 24 July 2020 - 30 November 2022
Stay period: 24 July 2020 - 31 December 2022
Bonus Travel$ 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.
Travel$ Promotional Earn Rate
| 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.
Other prizes to be won
- DJI Tello Combo Drone (worth S$219)
46th - 70th top spenders (no minimum spend requirement) - S$200 iShopChangi eVoucher
71st - 120th top spenders (no minimum spend requirement) - S$100 iShopChangi eVoucher
121st - 220th top spenders (no minimum spend requirement)