OCBC Voyage Card: Most Flexible Miles Redemption

OCBC Voyage Card: Most Flexible Miles Redemption

Redeem your miles anytime. No black-out dates.

Good for

  • Busy professionals who can't plan their vacations in advance
  • Wealthy consumers who want flexible miles redemption

Bad for

  • People who are sensitive to paying a high annual fee
  • People who care more about travel benefits like lounge access and hotel perks

Editor's Rating


OCBC Voyage is one of the newest cards in the market, and a very differentiated addition to the top travel cards in Singapore. Made with a special alloy and filled with some of the best offers in Singapore, we think this card is best for young professionals or for luxury diners who have the money to spend and are looking to earn miles quickly. It is the only card we have seen that allows you to redeem miles for any flight at any time, without a long process time or blacked out dates. We think this feature is perfect for young professionals who may not have much visibility into their schedule weeks in advance; OCBC Voyage will allow you to book your free flight last minute for that vacation you’ve been craving. Although it has a rather high annual fee of S$488, OCBC Voyage more than makes up for the fee with 1.6 miles per S$1 on local dining and retail spend and 2.3 miles award for S$1 spent overseas. There are a number of “luxury” travel cards in the market that we have reviewed. Read below to understand how they are different and which card is best for you.

Pros of OCBC Voyage

  • High miles award: 1.6 mile per S$1 spent on local dining and retail spend, 2.3 miles for S$1 spent overseas
  • Flexible miles redemption program that allows you to book any flight you want at anytime
  • Perks like unlimited VIP lounge access and free airport limo service and drink specials
  • Slick metal design
  • Welcome bonus of 15,000 miles and ability to buy 150,000 KrisFlyer Miles for S$3,210 (S$0.02 per mile)

Cons of OCBC Voyage

  • High annual fee of S$488, no waiver
  • Not as much luxury perks as other luxury cards like Citi Prestige MasterCard Credit Card or Standard Chartered Visa Infinite Card

What makes the OCBC Voyage stand out

When you hold this card, you immediately understand why it’s getting all the hype. Modeled after Chase Sapphire Card in the US (our most popular card in the US), OCBC Voyage card is the first metal card in Singapore for the mass market, and is made of a lightweight aircraft grade alloy called duralumin. When you pay your bill with this card, you look better, feel better & and earn better benefits. Talk about swagger.

This swagger, however, is what we like to call “pay to play.” OCBC Voyage comes with a hefty price of non-waivable S$488 annual fee. Given the high annual fee, we think this card is highly optimized for customers who like to wine & dine in style on a regular basis. OCBC Voyage awards you a whopping 1.6 miles per S$1 spent at local dining and retail institutions in Singapore, pretty significant since dining is the biggest spending category for an average consumer outside of housing, typically covering up to 25% of an average person’s monthly spend. If you love to wine and dine frequently, especially at high end places, this 2.3x boost provides you with one of the quickest ways of earning award miles. For every purchase overseas, you also get 2.3 mile for S$1 you spend, which is very high compared to most other rewards in the market. Special tip for eligible bachelors in Singapore: what better ways to impress your date than dropping this elegant slick metal card at the end of your first date at a fancy restaurant or bar, AND earning miles for your next free trip?

Another unique benefit of OCBC Voyage that we want to highlight is the ability to redeem miles with any airlines at any time, at no fee whatsoever. Essentially, it combines the convenience of American Express Singapore Airlines Krisflyer Card and the flexibility of Citi Premier Miles Card. Not only that, when you travel by using your miles, you can actually earn miles on those travels as well, which boosts your 1.6 to 2.3 mile award by a few percentage points! As far as we know, OCBC Voyage is the only card that has this feature. This combination of flexibility, convenience & rich benefit is almost unprecedented, and provides the perfect way to redeem miles for young & successful professionals who may not have a flexible vacation schedule. Like most other luxury cards, you also get complimentary limousine transfer service to the airport, a complimentary travel insurance, and complimentary golf membership at Sentosa Golf Club.

OCBC Voyage Card's Features and Benefits:

  • Annual Fee: S$488, receive 15,000 miles or pay S$3,210 to get 150,000 KrisFlyer Miles
  • APR: 26%
  • Salary requirement: S$120,000
  • Slick metal card
  • 1.6 mile per S$1 spent on local dining and retail spend, 2.3 miles for S$1 spent overseas
  • Complimentary airport limo service
  • Complimentary golf in Singapore
  • Complimentary travel insurance
  • Unlimited VIP premium lounge access to over 70 VIP airport lounges (until 30 Sept 2016)
  • No fee for mile redemption
  • Can be used for any airlines at any time
  • Miles don’t expire

How Does OCBC Voyage Card Compares Against Other Cards?

Compare OCBC Voyage card with other cards in the market and learn how they are different. We assess this card's strengths and weaknesses against those of similar cards to help you evaluate which card is best for you. Do note that dollar values* below are calculated based on a monthly spend of S$2,000. However, we assume S$4,000 of monthly spend for OCBC Voyage and SC Infinite Visa cards, since they are designed for high spenders. Dollar values are not the only factor you should consider when choosing a credit card, because cards like OCBC Voyage and SC Infinite Visa cards come with a number of intangible benefits, i.e. global lounge access or ability to redeem miles for any flight, that are difficult to quantify.

A graph displaying how OCBC Voyage Card compares to other credit cards in Singapore in terms of their rewards
OCBC Voyage vs Other Cards by Dollar Value*

OCBC Voyage Card vs Citi Prestige MasterCard Credit Card

Citi Prestige MasterCard Credit Card is another luxury travel cards we have reviewed with its own set of luxurious benefits. Though it has a slightly higher annual fee of S$535 than the OCBC Voyage, it is a more versatile and well-rounded luxury travel card because of its benefits. Citi Prestige offers 1.3 miles for S$1 spent locally and 2 miles for S$1 spent overseas. Furthermore, if you bank with Citi, Citi will boost these mile awards by up to 30% for Citigold members. Unless you highly value flexibility of OCBC Voyage or your budget is heavily focused on dining out, Citi Prestige MasterCard Card could be a better fit for you since OCBC Voyage only gives you 1 mile for expenses outside of local dining.

OCBC Voyage Card vs Standard Chartered Visa Infinite Credit Card

Standard Chartered Visa Infinite Card is quite similar to Citi Prestige MasterCard Credit Card, and for those who value the ability to redeem miles on whim or tend to dine out very often may prefer to use OCBC Voyage. However, Standard Chartered Visa Infinite has its own unique perks. Relative to OCBC Voyage, Standard Chartered Visa Infinite has a slightly higher annual fee of S$588.5 (difference of only S$100). Also, its flat rate mile award is extremely high at 1.4 miles for local spend and 3 miles for overseas spend, even more generous than Citi Prestige.

Given this we think Standard Chartered Visa Infinite Credit Card suits frequent business travelers more so than OCBC Voyage or Citi Prestige. For example, miles used for short haul to long haul business class tickets are valued somewhere around S$0.03 to S$0.06. If you spend S$5,000-S$10,000 overseas per year, that’s S$450 to S$1,800 of value from air miles. Hence, if you are looking for a more rounded and versatile travel card than OCBC Voyage, we think you will like Standard Chartered Visa Infinite very much (unless you are a Citigold member).

OCBC Voyage Card vs UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card
UOB PRVI Miles American Express Card

UOB PRVI Miles American Express Card is a great alternative for any luxury travel cards for those of you who care more about annual fee and earning miles than luxurious perks like free lounge access or flexible travel benefits. UOB PRVI Miles American Express Card provides top of the class mile rewards comparable to other luxury cards at less than half the cost of S$256.8 annual fee (waived for 1st year). Its travel mile award is actually better than other luxury cards at 6 miles per S$1 spent on travel booking. This card also provides global perks through American Express Selects.

The downside of this card, though, is that its miles expire every 2 years, whereas OCBC Voyage Card’s miles never expire. Also, UOB PRVI Miles Card tends to lag on other travel perks like free lounge access or hotel benefits. Lastly, OCBC Voyage Card definitely has a richer bonus that awards 150,000 miles for a payment of S$3,210 (2 cents per mile), as opposed to UOB PRVI Miles Card that requires you to spend S$50,000 a year (over S$4,000 a month) to earn bonus 20,000 miles (about S$2 per mile), a hefty budget for most people.

If you don’t mind the annual fee, OCBC Voyage Card could provide a better way to enjoy free flights.  If you travel very frequently in the region (short flights, low mile consumption) and would rather save on annual fee than enjoy luxurious but unnecessary perks, UOB PRVI Miles Card could be a better choice than OCBC Voyage Card. 

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. ^OCBC Voyage and Standard Chartered Visa Infinite cards' dollar values are calculated based on S$4,000 of monthly spending, as they are designed for high spenders.

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