OCBC 90°N Card: Does it Live Up to the Hype?

OCBC 90°N Card: Does it Live Up to the Hype?

Easy, Market-Leading Miles Accrual without the Extra Cost or Effort

Good for

  • Starters looking for an easy-to-use miles card
  • Frequent vacationers who book online & prefer AirBnB
  • People who care more about earning miles than perks

Bad for

  • People who spend most of their budget locally
  • High overseas spenders who prioritise luxury perks
  • Individuals seeking a card with no fee or a fee-waiver

Editor's Rating

4.0/5.0

OCBC 90°N Credit Card is an exceptional option for people who love to travel and spend overseas, but who aren't interested in high annual fees or complicated conversion schemes. Cardholders earn 1.2 miles per S$1 spend locally, 4 miles overseas and with merchants like Spotify and Netflix, and an impressive 8 miles with select booking sites and AirBnB–rates that match or exceed those offered by competitors. In fact, overseas rewards surpass rates offered by even the priciest travel cards. While these rates are promotional, they're fixed until February 2020 providing plenty of time to maximise earnings on holiday spend. Additionally, miles never expire and there are no conversion fees. Paired with 10,000 annual bonus miles and a low S$192.60 fee waived the 1st year, OCBC 90°N Card is an excellent, low-maintenance option for travellers seeking both high miles rewards and simplicity.

ProsCons
  • 1.2 mi/S$1 spend locally, 4 mi overseas
  • 4 mi/S$1 on select entertainment, flights
  • 8 mi/S$1 on select travel bookings, AirBnB
  • 10,000 annual renewal bonus miles
  • No miles expiration date or conversion fees
  • High promotional rates end Feb 2020
  • Lounge access costs S$27 per person, per visit
  • Miles can only be converted to KrisFlyer miles
  • Does not offer free travel insurance
  • Does not offer on-going fee waiver
Promotions:
  • Up to 10% off Emirates economy & business class
Card Overview
Pros:
  • 1.2 miles per S$1 locally, 4 miles overseas
  • 4 miles per S$1 on select entertainment, airlines
  • 8 miles per S$1 on select travel bookings, AirBnB & more
  • 10,000 annual renewal bonus miles
  • No miles expiration date or conversion fees
  • Promotions: Up to 10% off Emirates economy & business class
Cons:
  • High promotional rates end Feb 2020
  • Lounge access costs S$27 per person, per visit
  • Miles can only be converted to KrisFlyer miles
  • Does not offer free travel insurance
  • Does not offer on-going fee waiver

What Makes OCBC 90°N Card Stand Out

OCBC 90°N Credit Card is truly a breakthrough option for travellers who single-mindedly want to maximise miles at market-leading rates, and are willing to give up perks in favor of avoiding added fees. Overall, OCBC 90°N Card is still quite new, and has announced its arrival with extraordinary promotional rates. Cardholders earn 1.2 miles per S$1 local spend and 4 miles overseas–higher than that offered by the priciest travel cards. Spend with select entertainment merchants and airlines (Netflix, Spotify, Singapore Airlines, Air Asia & more) also earns 4 miles per S$1, and booking through select travel sites or staying at an AirBnB earns 8 miles per S$1. Essentially, consumers can maximise miles to a market-leading extent all the way from planning their trip to spending overseas.

Example of Potential Miles Earned from Overseas Vacation

Book FlightBook 4-Night StaySpend OverseasTotal Earned
VendorSingapore AirlinesAirBnBAll Vendors
Rate4 mi/S$18 mi/S$14 mi/S$1
SpendS$500S$600S$350
Earned2,000 mi4,800 mi1,400 mi8,200 mi
Spend is reflective of potential costs and is representative, rather than event-specific

As mentioned, OCBC 90°N Card's rewards rates are impressively high. However, they're also promotional. After February 2020, overseas spend will earn just 2.1 miles per S$1, with merchant promotional rates to-be-determined. It's worth mentioning that this post-promotional rate is still quite competitive, exceeding that offered by Citi PremierMiles Visa Card. However, Citi PMV Card offers free travel insurance and 2 free lounge visits per year. OCBC 90°N Card doesn't offer travel insurance and while cardholders have lounge access, they must pay S$27–32 per person, per visit.

Competitor Credit Card Comparison (Post-Promotional Rates)

OCBC 90°NCiti PMV
Local Rate1.2 mi/S$11.2 mi/S$1
Overseas Rate2.1 mi/S$12.0 mi/S$1
Conversion FeeNoneS$25
Travel PerksLounge access (paid)
  • 2 free lounge visits/yr
  • Free travel insurance
Annual FeeS$192.60S$192.60
Annual Bonus10,000 mi10,000 mi

Still–even considering OCBC 90°N Card in terms of its base rates–the card stands out from nearly all competitors for its ease of use and overall savings. Miles earned have no expiration date, there are no conversion fees, and rewards are posted immediately so consumers can access them quickly (rather than waiting for the end-of-month card statement). Additionally, conversions (points to miles) are made in 1,000 blocks, rather than the typical 25,000–also improving accessibility. The S$192.60 fee is already low for a travel card and is waived the 1st year, and thereafter, payment is offset by 10,000 bonus miles (worth approx. S$100).

Ultimately, OCBC 90°N Card offers exceptional value, both when considering it's extended promotion or when simply considering its base rates. While there aren't any real travel perks, earnings are rapidly accelerated and redemption is easy and fee-free. Overall, OCBC 90°N Card delivers on both simplicity and market-leading speed in miles accrual.

How Does OCBC 90°N Card's Rewards Program Work?

Use our quick and easy-to-read guide below to learn how you can actually redeem OCBC 90°N Card's rewards.

  • Rewards earned as Travel$ which can be converted to miles, cashback, or merchant vouchers
  • 1 Travel$ = 1 KrisFlyer mile
  • Travel$ do not expire
  • There is no administrative fee for miles redemption
  • Travel$ may be redeemed for KrisFlyer miles in blocks of 1,000 points
  • Alternatively, 1,000 Travel$ can be redeemed for S$10 cash rebate
  • 1,300 Travel$ can be redeemed for S$10 select merchant vouchers

OCBC 90°N Card's Features and Benefits:

Card Overview
  • Annual Fee: S$192.6, Waived for 1 year
  • Income Requirement: S$30,000 for locals, S$45,000 for foreigners
Rewards Rate Details
  • 1.2 miles per S$1 locally, 4 miles overseas (until Feb 2020)
  • 4 miles per S$1 spend with AirAsia, DFS Singapore, Jetstar Asia, SilkAir, Singapore Airlines, Scoot, Netflix, Spotify, Shilla Duty Free at Changhi Airport (until Feb 2020)
  • 8 miles per S$1 spend with Agoda, AirBnB, Expedia, Millennium Hotels, Mr & Mrs Smith (until Feb 2020)
  • 10,000 annual renewal bonus miles
  • No miles expiration date or conversion fees
  • Rewards available immediately upon posting
Perks & Benefits
  • Airport lounge access
  • Up to 14% on fuel savings at Caltex, 16% at Esso, 20% at Sinopec
Promotions:
  • Up to 10% off Emirates economy & business class

OCBC 90°N Card's Rewards Exclusions

Some credit card expenditures are ineligible for earning rewards. We identify these exclusions below.

Annual fees, membership fees, renewal fees, balance transfers, cash-on-instalment facility charges, instalment payment plan payments, extended payment plan payments, income tax payments, interest charges, late payment charges, GST, cash advances, manual cash disbursements, automated cash disbursements, miscellaneous charges imposed by Bank (unless otherwise stated in writing by Bank)
Bill payments made via internet banking, bill payments made via AXS and related charges, utilities payments, trading platform payments, prepaid accounts, prepaid cards, wire transfer money orders
Payments to charitable/religious organisations, real estate agents and managers, government institutions and services, insurance underwriting and premiums, education, gambling, parking lots, parking metres, parking garages, nondurable goods, financial institutions (merchandise, services, debt repayment), political organisations

How does the OCBC 90°N Card Compare Against Other Cards?

Read our comparisons of OCBC 90°N Card with other cards and learn what makes each card unique in their own way. We compare and contrast each card to highlight its uniqueness to help you identify the card that you need.

OCBC 90°N Card offers far greater value-to-consumer after 2 years than the market average

OCBC 90°N Card v. Citi PremierMiles Visa Card

Consider this if you are looking for a standard miles rewards credit card

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000

Citi PremierMiles Visa Card is an excellent option for the average traveller seeking a balance between high rates and affordable perks. Cardholders earn 1.2 miles per S$1 spend locally and 2 miles overseas, plus up to 10 miles with select travel sites like Agoda, Expedia and Kaligo. Citi PMV Card is similar to OCBC 90°N Card in terms of base rewards rates, and also charges a S$192.60 fee supplemented by 10,000 annual bonus miles. However, Citi PMV Card stands apart by offering 2 free lounge visits per year as well as free travel insurance. For this reason, travellers who are interested in affordable perks might prefer Citi PMV Card.

OCBC 90°N Card v. American Express Singapore Airlines KrisFlyer Card

American Express Singapore Airlines KrisFlyer Credit Card
American Express Singapore Airlines KrisFlyer Credit Card

Consider this if you want an easy-to-use miles card and fly mostly on Singapore Airlines' various brands

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000

Consumers who want an easy-to-use or starter miles card may also want to consider American Express Singapore Airlines KrisFlyer Card. Cardholders earn 1.1 miles per S$1 on local spend and overseas (2 miles overseas in June & December), 2 miles for spend with SIA brands, and 3.1 miles with select merchants such as Grab, Deliveroo, Starbucks & more. Additional perks include free travel insurance, Hertz Gold Plus Rewards and access to Amex Select Privileges. What truly stands out, however, is that rewards are earned directly as KrisFlyer miles, so there are no transfer fees or lengthy processing times. This is quite rare amongst travel cards, making it worth consideration for those looking to avoid extra complications.

OCBC 90°N Card v. OCBC Voyage Card

OCBC Voyage Card
OCBC Voyage Card

Consider this if you have a high annual income and eat out frequently

Annual Income Requirement S$120,000
Foreigner Income Requirement S$120,000

OCBC 90°N Card and OCBC Voyage Card share some similarities, but are best fit to two very different types of consumers. Like the former, OCBC Voyage Card offers miles rewards that never expire and does not charge conversion or redemption fees. However, OCBC Voyage Card stands apart by offering top-notch luxury perks: unlimited lounge access, free travel insurance, limo transfers, golfing privileges and more. This is reflected by a high S$488 non-waivable annual fee. Otherwise, cardholders earn 1.2 miles per S$1 locally, 1.6 miles on local dining, 2.4 miles overseas and enjoy 15,000 annual bonus miles. Consumers seeking simplicity but who are willing to pay for luxury perks might prefer OCBC Voyage Card.

OCBC 90°N Card v. DBS Altitude Visa Card

Consider this if you are looking for a good miles credit card with an easily waived annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000

DBS Altitude Card offers an affordable way for the everyday traveller to enjoy luxury perks while also earning an easy fee-waiver. Cardholders earn 1.2 miles per S$1 local spend, 2 miles overseas, and 3 miles for online travel bookings. Additionally, the S$192.6 fee is waived with S$25k annual spend. Other perks include free travel insurance, lounge access, golfing privileges and more. Consumers who spend more than S$2k/month and who don't mind paying extra fees for miles rewards conversions might especially benefit from DBS Altitude Visa Card.

Comments and Questions

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