OCBC 90°N Visa Card

OCBC 90°N Visa Card

The OCBC 90°N Visa Card is a miles credit card with a relatively high earn rate for both local (1.3 miles per dollar) and overseas spending (2.1 miles per dollar). You can also earn 7 miles per dollar on bookings made on Agoda. Plus, there is no cap to the number of miles you can earn monthly. Besides miles, you can redeem hotel loyalty points, cash rebates and much more.
Highlights
Benefits
Quick Facts
More Info
Guides
Eligibility
Fees
Others
layers

Highlights

Card benefit
 miles / dollar
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Annual Fee
S$ 196.2
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Minimum Annual Income
S$ 30,000
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Offer Available
PS5 Flash Deal - Sony PlayStation®5 Disc Edition (worth S$799)
SingSaver Exclusive Offer
PS5 Flash Deal - Sony PlayStation®5 Disc Edition (worth S$799)
  • SingSaver Flash Deal promotion runs from 15 October 2025 to 22 October 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Be one of the first 2 eligible applicants at 2pm and 8pm (4 total daily winners) every day during the flash deal period to win a reward upgrade to a Sony PlayStation®5 Disc Edition (worth S$799).
    • Flash Deal reward will replace existing SingSaver Exclusive Offer reward, if customer opts-in to the Flash Deal on the Rewards Redemption Form.
    • Remaining applicants will receive their selected SingSaver Exclusive Offer reward, for both opts-in and opts-out.
  • Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for the Flash Deal.
  • Promotion is stackable with other Welcome Offers from OCBC where applicable (additional T&Cs apply).
  • Terms and Conditions apply. 
Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$140)
SingSaver Exclusive Offer
Dyson WashG1™ wet floor cleaner (worth S$999) (Top up S$140)
  • SingSaver Flash Deal promotion runs from 15 October 2025 to 22 October 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Be one of the first 2 eligible applicants at 2pm and 8pm (4 total daily winners) every day during the flash deal period to win a reward upgrade to a Sony PlayStation®5 Disc Edition (worth S$799).
    • Flash Deal reward will replace existing SingSaver Exclusive Offer reward, if customer opts-in to the Flash Deal on the Rewards Redemption Form.
    • Remaining applicants will receive their selected SingSaver Exclusive Offer reward, for both opts-in and opts-out.
  • Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for the Flash Deal.
  • Promotion is stackable with other Welcome Offers from OCBC where applicable (additional T&Cs apply).
  • Terms and Conditions apply. 
Dyson Airstrait™ hair straightener (worth S$799) (Top up S$120)
SingSaver Exclusive Offer
Dyson Airstrait™ hair straightener (worth S$799) (Top up S$120)
  • SingSaver Flash Deal promotion runs from 15 October 2025 to 22 October 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Be one of the first 2 eligible applicants at 2pm and 8pm (4 total daily winners) every day during the flash deal period to win a reward upgrade to a Sony PlayStation®5 Disc Edition (worth S$799).
    • Flash Deal reward will replace existing SingSaver Exclusive Offer reward, if customer opts-in to the Flash Deal on the Rewards Redemption Form.
    • Remaining applicants will receive their selected SingSaver Exclusive Offer reward, for both opts-in and opts-out.
  • Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for the Flash Deal.
  • Promotion is stackable with other Welcome Offers from OCBC where applicable (additional T&Cs apply).
  • Terms and Conditions apply. 
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$100)
SingSaver Exclusive Offer
Dyson Digital Slim Submarine™ (worth S$699) (Top up S$100)
  • SingSaver Flash Deal promotion runs from 15 October 2025 to 22 October 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Be one of the first 2 eligible applicants at 2pm and 8pm (4 total daily winners) every day during the flash deal period to win a reward upgrade to a Sony PlayStation®5 Disc Edition (worth S$799).
    • Flash Deal reward will replace existing SingSaver Exclusive Offer reward, if customer opts-in to the Flash Deal on the Rewards Redemption Form.
    • Remaining applicants will receive their selected SingSaver Exclusive Offer reward, for both opts-in and opts-out.
  • Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for the Flash Deal.
  • Promotion is stackable with other Welcome Offers from OCBC where applicable (additional T&Cs apply).
  • Terms and Conditions apply. 
Apple iPad (A16) 11
SingSaver Exclusive Offer
Apple iPad (A16) 11" WiFi 128GB (worth S$499) (Top up S$80)
  • SingSaver Flash Deal promotion runs from 15 October 2025 to 22 October 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Be one of the first 2 eligible applicants at 2pm and 8pm (4 total daily winners) every day during the flash deal period to win a reward upgrade to a Sony PlayStation®5 Disc Edition (worth S$799).
    • Flash Deal reward will replace existing SingSaver Exclusive Offer reward, if customer opts-in to the Flash Deal on the Rewards Redemption Form.
    • Remaining applicants will receive their selected SingSaver Exclusive Offer reward, for both opts-in and opts-out.
  • Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for the Flash Deal.
  • Promotion is stackable with other Welcome Offers from OCBC where applicable (additional T&Cs apply).
  • Terms and Conditions apply. 
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$60)
SingSaver Exclusive Offer
Dyson Airwrap™ Origin multi-styler and dryer (worth S$549) (Top up S$60)
  • SingSaver Flash Deal promotion runs from 15 October 2025 to 22 October 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Be one of the first 2 eligible applicants at 2pm and 8pm (4 total daily winners) every day during the flash deal period to win a reward upgrade to a Sony PlayStation®5 Disc Edition (worth S$799).
    • Flash Deal reward will replace existing SingSaver Exclusive Offer reward, if customer opts-in to the Flash Deal on the Rewards Redemption Form.
    • Remaining applicants will receive their selected SingSaver Exclusive Offer reward, for both opts-in and opts-out.
  • Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for the Flash Deal.
  • Promotion is stackable with other Welcome Offers from OCBC where applicable (additional T&Cs apply).
  • Terms and Conditions apply. 
Dyson Supersonic™ hair dryer (worth S$559)
SingSaver Exclusive Offer
Dyson Supersonic™ hair dryer (worth S$559)
  • SingSaver Flash Deal promotion runs from 15 October 2025 to 22 October 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Be one of the first 2 eligible applicants at 2pm and 8pm (4 total daily winners) every day during the flash deal period to win a reward upgrade to a Sony PlayStation®5 Disc Edition (worth S$799).
    • Flash Deal reward will replace existing SingSaver Exclusive Offer reward, if customer opts-in to the Flash Deal on the Rewards Redemption Form.
    • Remaining applicants will receive their selected SingSaver Exclusive Offer reward, for both opts-in and opts-out.
  • Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for the Flash Deal.
  • Promotion is stackable with other Welcome Offers from OCBC where applicable (additional T&Cs apply).
  • Terms and Conditions apply. 
Apple AirPods Pro Gen 3 (worth S$349)
SingSaver Exclusive Offer
Apple AirPods Pro Gen 3 (worth S$349)
  • SingSaver Flash Deal promotion runs from 15 October 2025 to 22 October 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Be one of the first 2 eligible applicants at 2pm and 8pm (4 total daily winners) every day during the flash deal period to win a reward upgrade to a Sony PlayStation®5 Disc Edition (worth S$799).
    • Flash Deal reward will replace existing SingSaver Exclusive Offer reward, if customer opts-in to the Flash Deal on the Rewards Redemption Form.
    • Remaining applicants will receive their selected SingSaver Exclusive Offer reward, for both opts-in and opts-out.
  • Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for the Flash Deal.
  • Promotion is stackable with other Welcome Offers from OCBC where applicable (additional T&Cs apply).
  • Terms and Conditions apply. 
20,000 90°N Miles (worth a round trip to Bali)
SingSaver Exclusive Offer
20,000 90°N Miles (worth a round trip to Bali)
  • SingSaver Flash Deal promotion runs from 15 October 2025 to 22 October 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Be one of the first 2 eligible applicants at 2pm and 8pm (4 total daily winners) every day during the flash deal period to win a reward upgrade to a Sony PlayStation®5 Disc Edition (worth S$799).
    • Flash Deal reward will replace existing SingSaver Exclusive Offer reward, if customer opts-in to the Flash Deal on the Rewards Redemption Form.
    • Remaining applicants will receive their selected SingSaver Exclusive Offer reward, for both opts-in and opts-out.
  • Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for the Flash Deal.
  • Promotion is stackable with other Welcome Offers from OCBC where applicable (additional T&Cs apply).
  • Terms and Conditions apply. 
S$380 Grab Vouchers
SingSaver Exclusive Offer
S$380 Grab Vouchers
  • SingSaver Flash Deal promotion runs from 15 October 2025 to 22 October 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Be one of the first 2 eligible applicants at 2pm and 8pm (4 total daily winners) every day during the flash deal period to win a reward upgrade to a Sony PlayStation®5 Disc Edition (worth S$799).
    • Flash Deal reward will replace existing SingSaver Exclusive Offer reward, if customer opts-in to the Flash Deal on the Rewards Redemption Form.
    • Remaining applicants will receive their selected SingSaver Exclusive Offer reward, for both opts-in and opts-out.
  • Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for the Flash Deal.
  • Promotion is stackable with other Welcome Offers from OCBC where applicable (additional T&Cs apply).
  • Terms and Conditions apply. 
S$360 Cash via PayNow
SingSaver Exclusive Offer
S$360 Cash via PayNow
  • SingSaver Flash Deal promotion runs from 15 October 2025 to 22 October 2025.
  • Promotion is valid for new OCBC credit cardmembers only.
  • Be one of the first 2 eligible applicants at 2pm and 8pm (4 total daily winners) every day during the flash deal period to win a reward upgrade to a Sony PlayStation®5 Disc Edition (worth S$799).
    • Flash Deal reward will replace existing SingSaver Exclusive Offer reward, if customer opts-in to the Flash Deal on the Rewards Redemption Form.
    • Remaining applicants will receive their selected SingSaver Exclusive Offer reward, for both opts-in and opts-out.
  • Apply for participating OCBC credit cards via SingSaver and spend at least S$400 in qualifying transactions within 30 days of card approval to be eligible for the Flash Deal.
  • Promotion is stackable with other Welcome Offers from OCBC where applicable (additional T&Cs apply).
  • Terms and Conditions apply. 

Things to consider

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Unlimited air miles

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No expiry air miles

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Bonus air miles

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Benefits

Cashback

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Cashback Overseas
2.1  %
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Cashback Local
1.2  %
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Cashback Base Rate
1.2  %

Airmiles

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Airmiles Overseas
2.1  miles / dollar
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Airmiles Local
1.3  miles / dollar
Air Miles Conversion Fee
S$ 25
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Airmiles Base Rate
1.3  miles / dollar
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Airmiles Hotel Booking
Up to 7  miles / dollar
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Quick Facts

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Earn 1.3 and 2.1 miles per S$1 spent locally and overseas respectively.

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Flexibility of converting points to miles: 1 Travel$ = 1 mile.

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No expiry on Travel$ earned, and no conversion fee.

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Travel$ can be converted to 1.2% cashback.

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Mastercard Airport Experiences: Enjoy offers for dining, spas and retail at worldwide lounges before you take off.

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First-year annual fee waived. Receive 10,000 miles when you pay the second year annual fee.

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Read our full review of the OCBC 90°N Credit Card.

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Travel$ awarded in blocks of S$5 charged to the card per transaction.

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Guides

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Eligibility

Eligibility

Minimum Age
21  years old
Minimum Annual Income
S$ 30,000
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Monthly Spend Required
S$ 0
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Fees / Repayment

Fees

Annual Fee Waiver
1 year
Annual Fee
S$ 196.2
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Foreign Currency Transaction Fee
3.25  %
Cash Advance Service Charge
S$ 15
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Air Miles Conversion Fee
S$ 25

Repayment

Minimum Payment
S$ 50
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Late Payment Charge
S$ 100
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Interest on Purchase
27.78  %
Interest on Cash Advance
28.92  %
Interest Free Period
23  Days
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Others

Association

VISA

Supported Payment Type

Google Pay

Apple Pay

Samsung Pay

Fitbit Pay

NETSPay

Garmin Pay

Tags

OCBC 90°N Visa Card OCBC 90°N Visa Card

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