If you’re a frequent traveller looking for a credit card that rewards you for your overseas spending, the OCBC 90°N Card might be the perfect fit for you. This credit card offers a range of benefits, including the ability to earn miles on all your purchases, and the flexibility to redeem those miles for a range of rewards.
One of the key benefits of the OCBC 90°N Card is the ability to earn miles on all your spending. You’ll earn 1.3 miles for every $1 spent in SGD, and 2.1 miles for every $1 spent in foreign currency. This means that you can earn miles on everything from your daily groceries to your overseas travel expenses.
When it comes time to redeem your miles, the OCBC 90°N Card offers a range of options. You can redeem your miles for air miles, cash rebates, and more. Plus, your miles never expire, so you can save them up for as long as you like.
Key Takeaways
- The OCBC 90°N Card offers a range of benefits for frequent travellers, including the ability to earn miles on all your spending.
- You can earn 1.3 miles for every $1 spent in SGD, and 2.1 miles for every $1 spent in foreign currency.
- When it comes time to redeem your miles, you can choose from a range of options, including air miles and cash rebates.
OCBC 90°N Card Overview
If you’re looking for a credit card that rewards you for your travel expenses, the OCBC 90°N Card might be the perfect fit for you. This card is designed for frequent travellers who want to earn miles and enjoy travel benefits.
Key Features
The OCBC 90°N Card offers a range of features that make it a great choice for travellers. Here are some of the key features of this card:
- Earn 1.3 Miles for every $1 spent in SGD and 2.1 Miles for every $1 spent in foreign currency.
- Redeem air miles, cash rebates, and more.
- Miles never expire.
In addition to these features, the OCBC 90°N Card also offers a range of other benefits, including travel insurance, airport lounge access, and more. With these benefits, you can travel with peace of mind and enjoy a comfortable and stress-free trip.
OCBC 90°N Mastercard vs OCBC 90°N Visa
If you’re trying to decide between the OCBC 90°N Mastercard and the OCBC 90°N Visa, there are a few things to consider. Both cards offer similar benefits, but there are some key differences between them.
The OCBC 90°N Mastercard offers a higher earn rate for overseas spend, with 2.1 Miles for every $1 spent in foreign currency. The OCBC 90°N Visa, on the other hand, offers a higher earn rate for local spend, with 1.3 Miles for every $1 spent in SGD.
Ultimately, the choice between these two cards will depend on your travel habits and spending patterns. If you frequently travel overseas, the OCBC 90°N Mastercard might be the better choice for you. However, if you spend more time in Singapore, the OCBC 90°N Visa might be the better option.
In conclusion, the OCBC 90°N Card is a great choice for frequent travellers who want to earn miles and enjoy travel benefits. With its range of features and benefits, this card can help you travel with ease and comfort.
Earning Miles
If you are looking for a credit card that rewards you with miles for your spending, the OCBC 90°N card might be the perfect choice for you. With this card, you can earn miles for both local and overseas spend.
Local and Overseas Spend
For every SGD1 spent locally, you can earn 1.3 miles. For overseas spend, you can earn 2.1 miles for every SGD1 spent. This means that you can earn miles quickly and easily, whether you are shopping at home or abroad.
Bonus Categories and Partners
The OCBC 90°N card also offers bonus miles for certain categories and partners. For example, you can earn 6.5 miles for every SGD5 spent on local dining, shopping, and entertainment. You can also earn 10.5 miles for every SGD5 spent on foreign currency transactions.
Moreover, you can earn up to 4 miles per SGD1 spent on online entertainment, online retail, food delivery, groceries, and overseas spend, as well as 6 miles per SGD1 spent on Agoda, Expedia, and kkday. This means that you can earn bonus miles for a wide range of purchases, from hotel bookings to car rental bookings.
In addition to earning miles, you can also accumulate Travel$ on your OCBC 90°N card. Travel$ can be redeemed for flights, hotel stays, and other travel expenses. To earn Travel$, you simply need to use your OCBC 90°N card for your everyday spending.
Overall, the OCBC 90°N card is a great choice for anyone who wants to earn miles and Travel$ on their everyday spending. With its generous earn rates and bonus categories, this card can help you accumulate miles quickly and easily.
Redeeming Miles
Once you’ve earned your 90°N Miles, it’s time to redeem them for exciting rewards. With the OCBC 90°N Card, you have the flexibility to redeem your miles for a variety of options, including KrisFlyer miles, cash rebates, and more.
KrisFlyer and Partner Airlines
If you’re a frequent flyer, you’ll be pleased to know that you can redeem your 90°N Miles for KrisFlyer miles. KrisFlyer is the frequent flyer programme of Singapore Airlines, and you can use your KrisFlyer miles to book flights, upgrade your seats, and more. Additionally, you can redeem your 90°N Miles for miles with partner airlines, which include Star Alliance members such as United Airlines and Lufthansa.
Hotel and Accommodation Rewards
If you prefer to travel by land, you can use your 90°N Miles to redeem hotel and accommodation rewards worldwide. With the OCBC 90°N Card, you can redeem your miles for stays at hotels and resorts across the globe, from budget-friendly options to luxurious accommodations. You can also use your miles to book car rentals and other travel-related expenses.
It’s important to note that your 90°N Miles never expire, so you can take your time to accumulate miles and redeem them for the rewards that matter most to you. To redeem your miles, simply log in to your OCBC online banking account and follow the instructions to select your rewards.
With the OCBC 90°N Card, you can earn miles quickly and easily, and redeem them for exciting rewards that will enhance your travel experiences. Start earning your miles today and unlock the world of possibilities that await you!
Fees and Charges
Annual Fees and Waivers
The OCBC 90°N Card has an annual fee of S$53.50, which is waived for the first year for both primary and supplementary cardholders. To continue enjoying the waiver for subsequent years, you need to charge a minimum of S$10,000 to your card each year. If you fail to meet this requirement, you will be charged an annual fee of S$53.50.
Foreign Transaction Fees
For foreign currency spending, the OCBC 90°N Card charges a fee of 2.8% of the transaction amount. This fee is applicable to all overseas transactions, including online purchases made in foreign currency.
It is important to note that when you make a foreign transaction, the transaction amount will be converted into Singapore dollars at the prevailing exchange rate, which may differ from the rate at the time of your purchase. As a result, the actual amount you are charged may be slightly higher or lower than the amount displayed at the point of sale.
To avoid paying foreign transaction fees, you may want to consider using a card that does not charge this fee. Additionally, you should always check the exchange rate being used and compare it with other exchange rates to ensure you are getting a good deal.
Overall, the fees and charges associated with the OCBC 90°N Card are reasonable and competitive. With the right usage, you can enjoy the benefits of the card without incurring unnecessary fees.
Card Application and Eligibility
If you’re interested in applying for the OCBC 90°N Card, you’ll need to meet some eligibility requirements. The card has a minimum income requirement of S$30,000 per annum, which is the MAS-mandated minimum to hold a credit card in Singapore. If you earn below this threshold, it may be possible to get a secured version of the card with a S$10,000 fixed deposit.
To apply for the card, you can follow the step-by-step guides for Digital Banking provided by OCBC Bank. Simply login with your access code and PIN or fingerprint ID, navigate to “Credit Card,” select the credit card that you wish to apply for, submit your personal details, confirm the name on your card, review and submit your credit card application, and you’re done!
Once you’ve received your card, you’ll need to meet a minimum spend of S$5,000 within the first 6 months to earn the welcome bonus of up to S$150 cashback. Keep in mind that terms and conditions apply, so be sure to read them carefully before applying.
When it comes to credit card reviews, the OCBC 90°N Card generally receives positive feedback for its travel benefits and earning potential. With the ability to earn up to 4 miles per S$1 spent on overseas transactions and 1.2 miles per S$1 spent on local transactions, this card is a great option for frequent travellers. Overall, if you’re looking for a travel-focused credit card with a solid earning potential and attractive benefits, the OCBC 90°N Card may be worth considering.
Frequently Asked Questions
What fabulous benefits can you enjoy with the OCBC 90N credit card?
With the OCBC 90N credit card, you can enjoy a range of benefits that make your travel more enjoyable. You can earn 1.3 Miles for every S$1 spent in SGD and 2.1 Miles for every S$1 spent in foreign currency. These miles never expire and can be redeemed for air miles, cash rebates and more. You can also enjoy complimentary travel insurance coverage of up to S$500,000 when you charge your full travel fare to your OCBC 90N credit card.
How can you turn your OCBC Travel$ into air miles?
You can easily convert your OCBC Travel$ into air miles by logging into your OCBC online banking account and selecting the “Redeem Travel$” option. From there, you can choose the air miles program you want to convert your Travel$ to, and the number of miles you want to redeem.
What are the latest promotions available for the OCBC 90N cardholders?
As an OCBC 90N cardholder, you can enjoy exclusive promotions and deals from time to time. Some of the latest promotions include discounts on hotel bookings, cashback on dining and shopping, and bonus miles for certain spending categories. Be sure to check the OCBC website or your email for the latest promotions available.
Which OCBC credit cards offer the perk of lounge access?
OCBC credit cardholders can enjoy complimentary lounge access at selected airports worldwide. The OCBC 90N credit card offers 2 complimentary lounge access per year at selected lounges. Other OCBC credit cards that offer lounge access include the OCBC Voyage and OCBC Premier Voyage credit cards.
What’s the minimum spend required to qualify for the full benefits of the OCBC 90N?
There is no minimum spend required to qualify for the full benefits of the OCBC 90N credit card. However, you must use your card regularly to earn and redeem miles, and to enjoy the other benefits that come with the card.
Are there any exclusive deals when booking through Agoda with the OCBC 90N?
Yes, there are exclusive deals when booking through Agoda with the OCBC 90N credit card. You can enjoy up to 7% off your hotel bookings, as well as earn Travel$ for your bookings. Be sure to use your OCBC 90N credit card when booking through Agoda to enjoy these exclusive deals.