OCBC 90°N Card | Earn Miles & Enjoy Travel Benefits

OCBC 90°N card

Earn miles or cash rebates that never expire

Why you will love this

Earn up to 7 Miles (equivalent to 7% cash rebate) for every S$1 spent on Agoda

Earn 1.3 Miles (equivalent to 1.3% cash rebate) for every S$1 spent in SGD and 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

Earn unlimited miles that 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 visa 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

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 for every S$5 spent in a transaction. 1 90˚N Mile = 1 KrisFlyer Mile or 1% cashback.

which are awarded as 90˚N Miles for every S$5 spent in a transaction. 1 90˚N Mile = 1 KrisFlyer Mile or 1% cashback.

Miles never expire

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

UNLOCK CASH REBATES WITH OCBC 90°N MASTERCARD

Apply for the OCBC 90°N Mastercard and enjoy exclusive travel rewards when you shop from over 400 overseas merchants. Offers refresh every quarter. Here are our top picks for you, valid till 31 December 2024:

Hankyu Department Store and Hanshin Department Store
Spend JPY 30,000 or more at Hankyu Department Store and Hanshin Department Store and get JPY 6,000 cashback.
Daimaru Matsuzakaya Department Stores
Spend JPY 30,000 or more at Daimaru Matsuzakaya Department Stores, get JPY 6,000 cashback.
Don Quijote
Spend JPY 10,000 or more at the participating Don Quijote stores in Japan, get JPY 2,000 cashback.
Galeries Lafayette
Spend EUR 250 or more at Galeries Lafayette Strasbourg, Galeries Lafayette Bordeaux or Galeries Lafayette Nice and get EUR 25 cashback.
Galeries Lafayette Paris Haussmann
Spend EUR 500 or more at Galeries Lafayette Paris Haussmann, get EUR 30 cashback.
LA VALLEE VILLAGE
Spend EUR 500 or more at LA VALLEE VILLAGE, get EUR 50 cashback.
Harvey Nichols
Spend HKD 2,000 or more at Harvey Nichols, get HKD 200 cashback.
SOGO Hong Kong
Spend HKD 2,000 or more at SOGO Hong Kong, get HKD 200 cashback.
Crowne Plaza Hong Kong Causeway Bay
Receive 8% cashback, up to HKD 100, on each purchase of HKD 500 or more on your hotel stay at Crowne Plaza Hong Kong Causeway Bay.

To qualify, simply activate these deals from the Mastercard Travel Rewards portal quarterly before you spend.

exclusive offer when you sign up for the 90°n visa today

New OCBC cardmembers get 4 complimentary DragonPass lounge visits (worth S$170) when you apply for the OCBC 90°N Visa Card and charge at least S$500 in retail purchases to it within 30 days of having your card approved. From now till 30 November 2024.

DragonPass lets you enjoy access to over 1,300 lounges worldwide. You also get exclusive discounts at airport restaurants, and more.

To qualify for this offer, apply for a credit card via the link below. You will receive your gift within 4 months of meeting the minimum spending requirements. T&Cs, fees and charges apply.

HOW TO ACCESS YOUR DRAGONPASS MEMBERSHIP
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

Exchange for air miles and points

For a limited time only, exchange your 90N Miles at a 1:1 ratio for Cathay’s Asia Miles. Valid from 1 November to 31 December 2024.

Or, get up to 75% more points with IHG Hotels & Resorts. Plus, stand a chance to grab a S$1,000 Travel with OCBC voucher at 50% off on STACK Marketplace. Valid from 1 to 30 November 2024.

For reference, 1 90°N Mile = 1 KrisFlyer Mile.

Where to redeem Miles

Shopping rewards

Offset travel costs

Pay for flights, hotels and car rental bookings using miles. 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 for products or experiences.

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®
unlock rewards when you sign up

New OCBC 90°N Visa cardmembers get 4 complimentary DragonPass lounge visits (worth S$170). Just apply for the Card and charge at least S$500 in retail purchases to it within 30 days of having your card approved. From now till 31 July 2024.

DragonPass lets you enjoy access to over 1,300 lounges worldwide. You also get exclusive discounts at airport restaurants, and more.

To qualify for this offer, apply for a credit card via the link below. You will receive your gift within 4 months of meeting the minimum spending requirements. T&Cs, fees and charges apply.

HOW TO ACCESS YOUR DRAGONPASS MEMBERSHIP
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.

Show me

Show me

privileges

privileges

Global Data Roaming by Flexiroam

Enjoy complimentary 3X 1GB 5-Day Flexiroam Data Plan per calendar year in over 200 countries and regions with a one-time setup, exclusively for OCBC 90N Mastercard cardmembers. Plus, enjoy 15% discount on all subsequent Flexiroam data plans.

Learn more 

Mastercard Travel Rewards

Unlock cash rebate when you shop from over 400 overseas merchants. Offers refresh every quarter. To qualify, simply activate the deals from Mastercard Travel Reward portal quarterly before you spend.

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 

One Dines Free programme

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

Learn more 

Comfort Delgro

Get S$3 off your next ride with Mastercard. Promotion applies to Comfort Delgro passengers who have not paid for a ride with Mastercard.

Learn more 

GrabTransport Tourist Privileges

Redeem your complimentary GrabTransport vouchers when you book a ride with Grab in Malaysia, Thailand, Indonesia, Philippines and Vietnam.

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 
IHG Hotels & Resorts

Enjoy 20% off stays at IHG properties across Asia Pacific when you use your 90°N Visa Card.

Learn more 

Dine and save with Visa

Enjoy up to 20% off your total bill at participating restaurants when you pay using your 90°N Visa Card.

Learn more 

card privileges

Discover the privileges you get as an OCBC 90°N Visa Cardmember.

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 
IHG Hotels & Resorts

Enjoy 20% off stays at IHG properties across Asia Pacific when you use your 90°N Visa Card.

Learn more 

Dine and save with Visa

Enjoy up to 20% off your total bill at participating restaurants when you pay using your 90°N Visa Card.

Learn more 

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

Here is why together is always better. Earn interest of up to 4.65% a year on the first S$100,000 in your OCBC 360 Account when you do more with us.

Find out more 

Terms and conditions apply. Insured by up to S$100K by SDIC.

Get up to 45% off travel insurance

As a OCBC 90°N Cardholder, enter the promo code BUY45T to get 45% off Single Trip plans. 
For annual plans, enter the promo code TAA15A to get 15% off.
Promotion ends 31 December 2024.

Apply now 

Disclaimer

Terms and Conditions governing the 90°N x OCBC Explorer Promotion

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: OCBC90NV (limited to 100 redemptions)

Promotions end 31 December 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 

latest promotions
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 

Get up to 45% off travel insurance

As a OCBC 90°N Cardholder, enter the promo code BUY45T to get 45% off Single Trip plans. 
For annual plans, enter the promo code TAA15A to get 15% off.
Promotion ends 31 December 2024.

Apply now 

Disclaimer

Terms and Conditions governing the 90°N x OCBC Explorer Promotion

Earn higher interest rates with 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$100,000 in your OCBC 360 Account when you do more with us.

Find out more 

Terms and conditions apply. Insured by up to S$100K by SDIC.

Discover all our deals in one place

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

View offers 

Limited time only: Earn additional 50,000 Miles

From 14 August to 31 December 2024, 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).

Your 90°N Miles will be charged and credited to your card within 14 working days.

By sending the SMS, you agree to the Terms and Conditions Governing the OCBC 90°N Card Annual Service Fee Option.

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: OCBC90NV (limited to 100 redemptions)

Promotions end 31 December 2024.

See how it works 

Discover all our deals in one place

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

View offers 

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 


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 


Ready to apply?

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

Ready to apply?

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

FAQs
Common questions about the OCBC 90°N Visa Card
More questions and answers
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.

More questions and answers
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

How CardUp! works

Maximise 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 up to 1.3 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:

1
Register for an account

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 start earning your 90°N Miles.

Admin fees

New to CardUp

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

Existing to CardUp

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