OCBC 90N Visa Sign Up:
OCBC 90N Mastercard Sign Up:
90N Card Overview:
The OCBC 90°N Card is a pretty great miles card! 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. Not only that, you can redeem air miles, cash rebates, and more! With over 9 hotel and airline partners, you can choose where to use this card. Here’s the best part: it never expires so you can earn unlimited miles and redeem it whenever you want!
Local Earn Rate | 1.3 miles per dollar |
Foreign Currency Earn Rate | 2.1 miles per dollar |
Foreign Currency Fees | 3.25% |
Min. Miles Transfer | 1,000 90°N Miles (1,000 miles) |
Transfer Fee | S$25 |
Points Pooling | Yes |
Lounge Access | o |
Airport Limo | No |
Eligibility & Fees:
- Minimum Age: 21 years old
- Minimum Annual Income: S$30,000 (locals/PRs); S$45,000 (foreigners)
- Don’t worry if you income is below this threshold, there is a more secured version of this card? where you can do a S$10,000 fixed deposit
- Annual Fee: S$196.20 (including GST), waived for the first year
- Paying
- the annual fee on the second year earns you 10,000 miles (although it is not really worth it to pay the annual fee for the 10,000 miles, I can personally suggest to call the bank and have the annual fee waived)
Key Benefits:
- Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively – This means 6.5 90°N Miles for every S$5 spent in Singapore Dollars and 10.5 90°N Miles for every S$5 spent in foreign currency.
- Up to 7 Miles per S$1 spent on accommodations worldwide on dedicated Agoda link for 90N
- Only valid for prepaid bookings.
- Bonus Miles will be credited up to 2 months after hotel check out date.
- Booking period: Now – 30 November 2024
Stay period: Now – 31 December 2024 - T&Cs here
- Your Miles never expire
- No expiry on Travel$ earned
- No minimum spend required
- Enjoy complimentary 3X 1GB 5-Day Flexiroam Data Plan per calendar year in over 200 countries and regions with a one-time setup, exclusively for OCBC 90N Mastercard cardmembers. Plus, enjoy 15% discount on all subsequent Flexiroam data plans.
- Can be used with CardUp for low fees
Where Can I Use it:
This card is a general spending card. Therefore, there is no hassling around the eligible transactions due to its lower earn rate!
Is it Worth it:
Advantages:
– No spending cap on travels earned for local and overseas spend
– For KrisFlyer members, the conversion ratio is 1:1, therefore 1,000 travel$ is equivalent to 1,000 KrisFlyer miles. This is a great conversion rate since it could prevent orphan miles— these are the miles stuck in your account. Let’s say you earned a total of 27,000 miles, but the bank has a conversion block of 25,000, hence, you’ll be left with 2,000 orphan miles. Although, in some banks, you can use these orphan miles to redeem other rewards like a cashback or voucher.
– 90°N Miles earned on the Mastercard and Visa versions of the OCBC 90°N Card can be pooled together
– Can be a sustainable long-term miles card
Disadvantages:
– No complimentary lounge access; most of the competitive miles card already has lounge access comparing it to Citi Premiermiles and DBS altitude who has up to 2x priority passes.
– Limited categories on rewards catalogue when you decided to spend points other than miles
Frequently Asked Questions:
When is the miles credited: This usually credits when the transaction posted, usually takes 24 hrs or in some, it could take 2-3 days
How is my miles calculated?: For every S$5, you can get 1.3 miles per dollar on local spend, and 2.1 miles per dollar on overseas spend.
– Let’s say you spent S$50 locally (S$50 x 1.3mpd = 65 miles earned). But here’s the catch: you can only earn points in increments of S$5, therefore, if you have S$54.99, you still get the same miles as S$50 which is 65 miles.
How much is the conversion rate when I want to use my 90N into cash rebates?: For every 1,000 miles, you can get S$10
How do I redeem my miles for rewards: you can visit OCBC’s rewards page to redeem from the below transfer partners:
Airline | Hotels |
Krisflyer | Accor Live Limitless |
Air France-KLM Flying Blue | IHG One Rewards |
British Airways Executive Club | Marriott Bonvoy |
Cathay Pacific | Etihad Guest |
United MileagePlus |
Comparison table with other non-expiring cards with similar earn rates:
Cards | OCBC 90N | Citi PremierMiles | DBS Altitude |
Local Earn Rate | 1.3 miles per dollar | 1.2 miles per dollar | 1.3 miles per dollar |
Foreign Earn Rate | 2.1 miles per dollar | 2 miles per dollar | 2.2 miles per dollar |
Lounge Access | No | 2x Priority Pass | Yes (on VISA) |
Transfer Partners | SIA, Air France, British Airways, Cathay, Etihad, KLM, United, Accor, IHG, Marriott | SIA, British Airways, Cathay Pacific, Etihad, EVA Air, Flying Blue, Qantas, Qatar Airways, THAI, Turkish Airlines, IHG | SIA, Air Asia, Cathay Pacific, Qantas |
Transfer Fee | S$25 | S$27 | S$27 |
Min. Transfer Block | 1,000 90°N Miles (1,000 miles) | 10,000 Citi Miles (10,000 miles) | 5,000 DBS Points (10,000 miles) |
Any other Hacks and why:
- You can pair your OCBC 90N Mastercard with Amaze for lower-cost overseas transactions
- You can use your 90°N Miles to redeem vouchers or cash rebates in addition to KrisFlyer miles. You now have the freedom to decide how you wish to use your rewards. Although limited, you can still check this list for spending categories.
Read Terms and Conditions Here
Final Thoughts:
- Points earned on this card do not expire, which is a really great benefit because it allows you to gradually build up your points and redeem them for a major holiday. This is especially handy if you’re not a frequent traveller, and don’t earn bucket loads of points regularly.
- OCBC 90N Visa and Mastercard have different benefits, but both cards can pool points together. I have the Visa version, and might apply the Mastercard version too.
- At the moment, I am using this card with Cardup for one-off payments to buy miles at a 2% service fee, making my cost per mile at S$0.015. Slightly steeper in my books. To redeem a return trip business class saver flight to and fro New York would cost 223,000 miles or S$11,090 on Singapore Airlines. Buying miles at S$0.015 would make the cost of the business class flight ticket S$3,363. So it would give you around a 80% savings for business class tickets if you wanted to enjoy that luxury experience.
Credit cards change their T&Cs every so often and it is difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates to get the most out of your spending.
OCBC 90N Visa Sign Up:
OCBC 90N Mastercard Sign Up:
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