OCBC 90°N Card

Name: OCBC 90°N Card
Brand: OCBC
Price: 196.2 SGD
Availability: InStock
Rating: 4 (1 reviews)

4.0

WalletWalk Rating

Best for flexible miles collectors

Last updated: 29-Sept-2025

Overview

The OCBC 90°N Card offers miles that never expire with 2.1 miles per dollar on foreign currency spending. Convert rewards to nine airline and hotel programs with no conversion fees and instant transfers. Perfect for flexible travelers who prefer accumulating miles without time pressure. Enjoy unlimited earning potential with no monthly caps on rewards.

Pros

↑Miles never expire
↑No earning caps
↑Multiple transfer partners

Cons

↓Lower base miles earn rate than competitors
↓Travel$ expire after 5 years
↓Annual fee from third year onwards

Key Highlights

Welcome Offer
10,000 bonus miles
Pay first year fee•
10,000 bonus 90°N Miles
Upon fee payment

Reward Rate
Up to 2.1 miles
2.1 mpd foreign currency
1.3 mpd local spending
No earning caps

Minimum Salary
S$30,000 annually
Citizens/PRs: S$30,000
Age 55+: S$15,000
Foreigners: S$45,000

Annual Fee
S$196.20 (incl. GST)
First year waived
S$10,000 spend for waiver
10,000 miles on payment

Highlight 6
Flexible miles
No expiry miles
Multiple partners
No caps

Key Benefits

Bill Payment

★2.5

▼

1.3 mpd on payments
No restrictions

Cashback

★3.0

▼

Convert to 1.2% cashback
No minimum required

Dining

★3.0

▼

1.3 mpd on dining
Standard earning

Food Delivery

★3.0

▼

1.3 mpd standard
No restrictions

Grocery

★3.0

▼

1.3 mpd standard
All groceries

Lifestyle

★3.5

▼

Travel flexibility
Multiple redemptions

Reward Points

★4.0

▼

Never expiring miles
9 transfer partners

Shopping

★4.0

▼

2.1 mpd overseas
E-commerce protection

Merchant Offers

▼

Agoda bonuses
Travel partners

Travel

★4.5

▼

Miles never expire
Flexible redemption

Liability Protection

▼

E-commerce protection
Online security

Insurance

▼

Travel insurance
E-commerce protection

Balance Transfer

▼

Standard facility
Competitive rates

Emi

▼

Travel instalments
Flexible terms

First Year Free

▼

First year free
S$196.20 value

Detailed Information

Annual Fee	S$196.20 (incl. 9% GST)
Annual Fee Waiver	Spend S$10,000 annually
Monthly Percentage Rate	2.24%
Annual Percentage Rate	26.88%
Minimum Monthly Payment	3% or S$50, whichever higher
Foreign Currency Markup	2.80%
Late Payment Charges	S$100 (incl. 9% GST)
Overlimit Charges	S$40 (incl. 9% GST)
Cash Advance Fee	8% or S$15, whichever higher
Balance Transfer Fee	2% one-time
Fee For Supplementary Card	S$98.10 (incl. 9% GST)
Card Replacement Fee	S$20 (incl. 9% GST)
Fee For Duplicate Statement	S$5 per month

Identity Proof	NRIC (Citizens/PRs) Passport (Foreigners)
Address Proof	Latest utility bill Bank statement Phone bill
Income Proof Salaried	Latest 3 months payslips Latest Income Tax Notice CPF statements
Income Proof Self Employed	Latest 2 years Income Tax Latest 6 months bank statements

OCBC 90°N Card

Age Requirement Salaried	21 years and above
Age Requirement Self Employed	21 years and above
Minimum Annual Income Salaried	S$30,000
Minimum Annual Income Self Employed	S$30,000

Age Requirement Salaried	21 years and above
Age Requirement Self Employed	21 years and above
Minimum Annual Income Salaried	S$30,000
Minimum Annual Income Self Employed	S$30,000

OCBC 90°N Card

Overview

Pros

Cons

Key Highlights

Key Benefits

Detailed Information

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