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OCBC Voyage Card: Most Flexible Miles Redemption

Luxury Travel Card with High Miles for Local Dining

OCBC Voyage Card: Most Flexible Miles Redemption

Luxury Travel Card with High Miles for Local Dining

4.3/5.0

ValueChampion Rating ValueChampion Icon

Rewards
Perks
Fees

Pros

  • 2.2 miles per S$1 overseas and dining spend
  • 1.3 miles per S$1 local general
  • 15,000 annual bonus renewal miles (worth S$150)
  • Unlimited lounge access, free travel insurance, limo transfers, golfing privileges & more
  • Up to 19% fuel savings with Caltex

Cons

  • High S$488 annual fee (no waiver)
  • Recurring bills ineligible for rewards
  • Access to limo transfers requires S$3,000 minimum spend

If your travel schedule is somewhat unpredictable, OCBC Voyage Card offers the flexibility you need with easy mile redemption and high rates both overseas and at home. Cardholders earn 2.2 miles per S$1 spend overseas and 1.3 miles locally–plus a boosted rate of 2.2 miles for local dining. The miles you earn can be easily redeemed with no black-out dates, minimal processing time and they never expire. Frequent flyers with Singapore Airlines can also enjoy a waiver of S$25 redemption fee for converting VOYAGE miles to KrisFlyer Miles. And, above it all, OCBC Voyage Card comes with unlimited lounge access, limo transfers, golfing privileges & more. Overall, OCBC Voyage Card is excellent for those seeking both flexible miles & luxury perks.

OCBC Voyage Card Features and Benefits

  • Annual Fee: S$488, No waiver
  • Income Requirement: S$120,000 for citizens & PRs, S$120,000 for foreigners
Key Features:
  • Annual fee: S$488 (with 15,000 VOYAGE Miles)
  • 2.2 miles per S$1 overseas and dining spend
  • 1.3 miles per S$1 local spend
  • 1 mile per S$1 spend on AXS Pay + Earn transactions
  • Up to 19% fuel savings with Caltex
  • No miles conversion fees and no black-out dates
  • Unlimited lounge access, free travel insurance and VISA Infinite Exclusive Benefits
  • 2 complimentary limo transfers/mo with S$5,000 min spend (local or overseas)
  • eCommerce purchase protection
Promotions:
Promotions:

What Makes OCBC Voyage Card Stand Out

OCBC Voyage Card is excellent for affluent consumers with a shifting travel schedule, who want to earn high miles locally and overseas. Consumers earn 2.2 miles per S$1 spend overseas and 1.3 miles on general local spend, which aligns with similar cards. OCBC Voyage Card also offers 2.2 miles per S$1 on local dining however, which is great for less frequent travellers. Cardholders also enjoy free travel insurance, unlimited lounge access, golfing privileges, and limo transfers (free with S$3,000 min. spend).

Consumers are most likely to benefit from OCBC Voyage Card if they spend most of their budget locally, with at least 25% of local spend on dining. Frequent travellers might prefer Standard Chartered Visa Infinite Card, which offers 3 miles per S$1 spend overseas, and consumers with lower spend on dining could earn more miles with Citi Prestige MasterCard (1.3 miles per S$1 local spend).

Monthly Value-to-Consumer Based on S$6,000 Spend

Spend RatioOCBC VoyageCiti Prestige
10% OS, 80% LG, 10% LDS$88.8S$82.2
10% OS, 65% LG, 25% LDS$96.9S$82.2
10% OS, 45% LG, 45% LDS$107.7S$82.2
OS=Overseas Spend, LG=Local General Spend, LD=Local Dining Spend. Dollar value-to-consumer based on 1 mile=S$0.01

It’s also worth mentioning that, as with many travel cards, high spend is most likely to maximise rewards. Given that 1 mile has an approximate S$0.01 value-to-consumer, OCBC Voyage Card’s rates are roughly equivalent to 2.2% rebate overseas, 2.2% on local dining, and 1.3% on general local spend. Consumers looking to maximise value return on their spend may prefer a cashback card. Those spending S$8,000+/month, however, may earn similar or greater return value with OCBC Voyage Card than with many cashback alternatives, while also enjoying the travel perks.

Ultimately, OCBC Voyage Card is great for miles-seeking consumers with varying travel schedules because of its high rewards rate for local dining and its great travel perks. While there’s a S$488 non-waivable fee, the card is most likely to benefit affluent consumers in the first place. In addition, cardholders receive 15,000 bonus miles (worth S$150) every year, which offsets the cost. For travellers seeking both perks and flexibility, OCBC Voyage Card is worth considering.

How Does OCBC Voyage Card’s Rewards Program Work?

Use our quick and easy-to-read guide below to learn how you you can redeem card rewards.

  • Spend rewarded in Voyage Miles, redeemable as cash, KrisFlyer miles, or vouchers
  • 1 Voyage Mile = 1 KrisFlyer Mile
  • Voyage Miles must be redeemed by phone, via the Voyage Exchange hotline
  • There is no conversion fee for changing Voyage Miles to KrisFlyer Miles
  • Voyage Miles never expire

OCBC Voyage Card Rewards Exclusions

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

All Card fees and charges; card annual fees, membership fees, renewal fees; balance transfer; charges incurred for any balance transfer facility; cash-on-Instalment facility; charges incurred for any cash-on-Instalment facility; Instalment Payment Plan; extended payment plan; income tax payment; interest; late payment charges; goods and services taxes; cash advances
Recurring payments for utilities and telecommunication services; payment of funds to prepaid accounts and merchants who are categorised as "payment service providers" which includes and not limited to EZ-Link, NETS FlashPay, eNETS, SAM, Transit Link and AXS (OCBC Bank has the absolute discretion to determine which provider is considered a “payment service provider”)
Cleaning, maintenance and janitorial services; real estate agents and managers (rental); financial transactions (that includes financial services such as money transfer, money order, traveller cheques and securities brokerage payments); charges, fees and other costs payable to any non-profit organisations which includes charitable, religious and political organisations; charges, fees and other costs payable to any government Institutions and services (which includes educational institutions, courts including without limitation court fees and costs, fines, bail and bond payments, tax payment, postal services, parking lots and garages, intra-government purchases and any other government services not classified here); any payments to Great Eastern General Insurance and NTUC Income in relation to any insurance policies

How does OCBC Voyage Card Compare Against Other Cards?

Consider this if you want the ability to redeem your miles whenever you want, without blackout dates
  • Pros
    • 2.2 miles per S$1 overseas and dining spend
    • 1.3 miles per S$1 local general
    • 15,000 annual bonus renewal miles (worth S$150)
    • Unlimited lounge access, free travel insurance, limo transfers, golfing privileges & more
    • Up to 19% fuel savings with Caltex
    • Cons
      • High S$488 annual fee (no waiver)
      • Recurring bills ineligible for rewards
      • Access to limo transfers requires S$3,000 minimum spend

      Read our comparisons of OCBC Voyage 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 Voyage Card performs below the market average for value-to-consumer after two years based on a monthly spend of S$6,000

      OCBC Voyage Card v. Citi Prestige MasterCard

      Use our link to get the latest promotion from SingSaver & Citi!
      Consider this if you want special travel perks like free hotel nights and unlimited lounge access
      • Pros
        • Great luxury benefits
        • Ideal for higher budgets
        • Great golfing and travel perks
        • Cons
          • Very high annual fees
          • Unsuitable for moderate budgets

          Affluent travellers seeking luxury perks might consider Citi Prestige MasterCard, which offers 1.3 miles per S$1 local spend, 2 miles overseas–higher than those offered by OCBC Voyage Card. Cardholders who spend more time locally are less likely to benefit, but frequent travellers earn quickly while enjoying free travel insurance, unlimited lounge access, hotel nights and more. There is a S$535 fee, but cardholders receive 25,000 annual renewal miles (worth S$250) which actually offsets the cost to lower than OCBC Voyage Card’s.

          OCBC Voyage Card v. Standard Chartered Visa Infinite Card

          Use our link to get the latest promotion from SingSaver & SCB!
          Standard Chartered Visa Infinite Credit Card
          Standard Chartered Visa Infinite Credit Card
          Consider this if you travel overseas frequently for business or shopping
          • Pros
            • Great rewards for high overseas spend
            • Rewards banking activity
            • Cons
              • Not suitable for average spenders who mostly buy local essentials
              • Annual fee

              Frequent business travellers can maximise miles for overseas spend and also earn rewards for banking activity with Standard Chartered Visa Infinite Card. Cardholders earn 3 miles per S$1 overseas spend, 1.4 miles locally with S$2,000 minimum spend–amongst the highest rates on the market–and even tax payments are eligible to earn miles. Consumers also enjoy free travel insurance, airport lounge access, hotel and golfing privileges and more. Overseas travellers willing to pay the S$588.5 non-waivable fee (offset by 35,000 welcome miles) can earn more miles with SC VI Card than with any other on the market.

              OCBC Voyage Card v. Citi PremierMiles Visa Card

              Use our link to get the latest promotion from SingSaver & Citi!
              Consider this if you are an average consumer who wants a balance of generous mile awards and other travel perks
              • Pros
                • Frequent traveler perks
                • Low fees
                • Flexible miles redemption
                • Cons
                  • Lacks luxury perks
                  • Not suitable for occasional travel

                  Average consumers seeking miles for spend might consider Citi PremierMiles Visa Card, which offers 1.2 miles per S$1 local spend, 2 miles overseas. While these rates are lower than those offered by OCBC Voyage Card, Citi PMV Card’s fee is just S$196.2 and comes with 10,000 annual renewal miles (worth S$100), which makes the card more affordable. Consumers can still enjoy free travel insurance and 2 free lounge visits per year, making Citi PMV Card great for average spenders who want perks.

                  OCBC Voyage Card v. UOB PRVI Miles American Express Card

                  PROMO: GET S$150 CASH CREDIT
                  Consider this if you want to maximise mile rewards without paying an extravagant annual fee
                  • Pros
                    • Great for rapid miles accrual
                    • Awards high spend on airlines & hotels
                    • No-fee card
                    • Cons
                      • Doesn't fit infrequent travellers with mostly local budgets
                      • Lacks luxury perks & privileges

                      Consumers spending S$4,000+/month can earn miles at top rates while avoiding an annual fee with UOB PRVI Miles American Express Card. Cardholders earn 1.4 miles per S$1 local spend, 2.4 overseas, and 10 with major airlines and hotels. While perks are limited to travel insurance and airport transfers, consumers who spend S$50,000/year are exempt from the S$256.8 fee and earn 20,000 bonus miles. UOB PRVI Miles Card is great for above average spenders looking to maximise earnings, while optimising with most travel cards requires higher spend.

                      Zoryana Melesh

                      Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.

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