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.
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 Flight||Book 4-Night Stay||Spend Overseas||Total Earned|
|Vendor||Singapore Airlines||AirBnB||All Vendors|
|Rate||4 mi/S$1||8 mi/S$1||4 mi/S$1|
|Earned||2,000 mi||4,800 mi||1,400 mi||8,200 mi|
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°N||Citi PMV|
|Local Rate||1.2 mi/S$1||1.2 mi/S$1|
|Overseas Rate||2.1 mi/S$1||2.0 mi/S$1|
|Travel Perks||Lounge access (paid)|
|Annual Bonus||10,000 mi||10,000 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:
|Rewards Rate Details |
|Perks & Benefits |
OCBC 90°N Card's Rewards Exclusions
Some credit card expenditures are ineligible for earning rewards. We identify these exclusions below.
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 v. Citi PremierMiles Visa Card
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
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 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
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.