OCBC 90°N Visa Card

Let your daily spend take you places

Why you will love this

Earn 2 Travel$ per S$1 spent on Foreign Currency.

Earn up to 3 Travel$ per S$1 spent on streaming, online shopping, food delivery, and groceries

No expiry, conversion fees, or minimum spend requirements

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

Apply online

Earn Travel$ and convert them to cash or KrisFlyer miles for your next getaway.

How much you can earn

Enjoy up to 3 Travel$ when you spend up to S$1,000 in these categories. Travel$ are awarded in blocks of S$5 per transaction.

Streaming

3

Travel$ per S$1

Streaming

  • Netflix
  • Disney+
  • Spotify
  • VIU
  • Audible
  • Netflix
  • Disney+
  • Spotify
  • VIU
  • Audible
Food delivery

1.5

Travel$ per S$1

Online food delivery

  • Foodpanda
  • Grabfood
  • Oddle
  • Deliveroo
  • Foodpanda
  • Grabfood
  • Oddle
  • Deliveroo
Online shopping

1.5

Travel$ per S$1

Online shopping

  • Lazada
  • Taobao
  • Amazon
  • Shopee
  • Qoo10
  • Lazada
  • Taobao
  • Amazon
  • Shopee
  • Qoo10
Groceries

1.5

Travel$ per S$1

Groceries

  • FairPrice
  • Sheng Siong
  • Cold Storage
  • Giant
  • Redmart
  • FairPrice
  • Sheng Siong
  • Cold Storage
  • Giant
  • Redmart

Other categories
There is no cap on the amount of Travel$ you can earn with these categories.

1 Travel$ per S$1 spent
1 Travel$ per S$1 spent

1 Travel$ per S$1 spent

All other SGD spend

2 Travel$ per S$1 spent
2 Travel$ per S$1 spent

2 Travel$ per S$1 spent

Foreign Currency spend

Features and benefits
LED light feature

Meet the first ever card that lights up

Designed with an LED light feature, the 90°N Visa Card lights up whenever you make a contactless payment.

Designed with an LED light feature, the 90°N Visa Card lights up whenever you make a contactless payment.

Travel$ that do not expire

Travel$ that do not expire

  • Save more as you convert your Travel$ to KrisFlyer miles with no conversion fees
  • Less wastage when you convert to miles in blocks of 1,000 Travel$

  • Save more as you convert your Travel$ to KrisFlyer miles with no conversion fees
  • Less wastage when you convert to miles in blocks of 1,000 Travel$

Turn your Travel$ to cash rebates

Turn your Travel$ to cash rebates

Get cash rebates at up to 3% from your earned Travel$ . Use it to offset credit card bills instantly.

Redeem now

Get cash rebates at up to 3% from your earned Travel$ . Use it to offset credit card bills instantly.

Redeem now

Agoda Travel$ Promotion
Up to 7 Travel$ per S$1 spent on Agoda accommodations worldwide
  • 7 Travel$ 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$5 spent per transaction. Find out more about Travel$.

See booking requirements 

WHERE CAN YOUR TRAVEL$ TAKE YOU?

Key in the average amount you spend a month in each category to find out how far your Travel$ can take you!

1
Understanding your spending
Here's what you will earn

Understanding your spendings

Here’s what you will earn

Based on your average monthly spending, you stand to earn, in one year

0 Travel$

See the full list of qualifying countries
Streaming S$0
Online food delivery, shopping, and groceries S$0
Foreign currency spending S$0
Local currency spending S$0

The maximum amount you may key in for each category is S$12,000. Terms and conditions for the accrual and redemption of Travel$ apply.

Spend & win with 90°N Visa tickets

Turn your 90°N Visa spend into winning tickets!

From now until 15 October 2022, collect 90°N Visa Tickets on anything and everything you spend on with your OCBC 90°N Visa Card and stand to win great prizes.

Thanks to Visa, you can win a limited-edition FIFA World Cup™ Themed Party Box.

Get 100 Travel$ after collecting your first 5 tickets and collect as many tickets as you can for a chance to win prizes that also include Jay Chou concert tickets and Travel with OCBC vouchers.

Terms and conditions apply.

Find out more

Household referral promotion

Refer your loved ones and get rewarded with Travel$

There’s no better time to introduce your loved ones to the OCBC 90°N Visa Card! Simply get a member of your household to sign up between now and 31 October 2022, and the both of you will be rewarded with up to 1,500 Travel$ each!

Terms and conditions apply.

Learn more about the household referral promotion

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 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.

Terms and conditions apply.

Travel with OCBC
Enjoy preferential rates on Travel with OCBC and offset booking prices with Travel$

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-on-one booking platform for all things travel.

Enjoy preferential rates now and offset booking prices with your accumulated Travel$.

Find out more
Before you apply

Eligibility requirements

Minimum age

21 years old

Nationality

Singaporeans, Singapore PRs, Employment Pass

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)

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).

Supplementary Card

S$53.50 a year per card (waived for the first year)

Other fees and charges

Fees and charges

Terms and conditions

OCBC Cardmembers Agreement

Terms and conditions governing the OCBC 90°N Visa Card programme

Terms and conditions governing the OCBC 90ºN Card spend and earn 1,000 Travel$ campaign promotion

Terms and conditions governing the OCBC 90°N household referral promotion

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 Visa Card this instant

Apply online
or visit us at a branch.
Locate a branch
OCBC 90°N Visa Card
FAQs
Common questions
More questions and answers
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 Card have different benefits to suit your needs and preferences. The promotions from the two associations, Mastercard and Visa, will change 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.

More questions and answers

How to earn up to 3% cash rebates

  • To redeem a cash rebate of S$10, 1,000 Travel$ is required.
  • Based on 3 Travel$ earned for every S$1spent on Streaming, you need to spend S$333 in order to earn 1,000 Travel$.
  • Therefore, S$10 cash rebate out of S$333 spent is equivalent to 3% rebate.

Streaming

Merchants include Netflix, Disney+, Spotify, VIU and Audible.

Online food delivery, shopping & groceries

  • Online food delivery merchants include Foodpanda, GrabFood, Oddle and Deliveroo
  • Online shopping merchants include Lazada, Taobao, Amazon, Shopee and Qoo10
  • Groceries merchants include FairPrice, Sheng Siong, Cold Storage, Giant and Redmart

Spend S$10,000 in Foreign Currency within first 3 months from card approval date.

Rewards from Spend in Foreign Currency (Tiering up to 5 Travel$ per $1) Bonus reward Additional rewards for Annual Service Fee (ASF)* Total rewards
30,000 Travel$ 10,000 Travel$ 10,000 Travel$ 50,000 Travel$
N/A 40,000 Travel$

*S$53.50 Annual Service Fee will be charged upon card approval. Register via this e-form to receive 10,000 Travel$ when you pay an additional administrative fee of S$139.

Bonus Travel$

How rewards will be awarded:

For new-to-OCBC credit cardmembers
Spend S$5,000 within 2 months of card approval 10,000 Travel$
Activate card and spend S$10 500 Travel$
Total rewards 10,500 Travel$

For existing OCBC credit cardmembers
Spend S$5,000 within 2 months of card approval 2,500 Travel$

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.

View the full terms and conditions

2.5 Travel$ with every S$1 spent on Foreign Currency, capped at the first S$2,000.

Travel$ are awarded in blocks of S$5 per transaction. Refer to the terms and conditions for more information.

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:

  1. Booking amendment which requires reissuance.
  2. 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

Bonus Travel$

How rewards will be awarded:

For new-to-OCBC credit cardmembers
Spend S$5,000 within 2 months of card approval 10,000 Travel$
Activate card and spend S$10 500 Travel$
Total rewards 10,500 Travel$

For existing OCBC credit cardmembers
Spend S$5,000 within 2 months of card approval 2,500 Travel$

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.