OCBC 90°N Card

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Key Features

1.3%
Cash Back on Eligible spend
S$1 = 2.1 Miles
on Overseas Spend
S$1 = 1.3 Miles
on Local Spend

Promotion

Cash Back

Earn cash rebates of up to 2.1% using your earned Travel$ with no minimum spend requirements and no caps.

Shopping

1.3 miles for every S$1 spent locally.
No minimum monthly spending and no cap on the number of miles earned per month.

Air Miles

Starting from February 2023, Travel$ will not expire and can be converted to loyalty points at 8 airline and hotel partner programmes.

Overseas Spending

2.1 Travel$ with every S$1 spent on Foreign Currency.

Entertainment

1.3 miles for every S$1 spent locally.
No minimum monthly spending and no cap on the number of miles earned per month.

Buffet Promotion

1-for-1 hotel buffet promotions including Sun’s Cafe at Hotel Grand Pacific
Up to 30% off at selected restaurants.
Earn 1.3 Miles per S$1 local spend on dining.

Other Features

Whenever you make a contactless payment, the 90°N MasterCard Card, designed with an LED light feature, lights up.
Convert Travel$ to loyalty points at 8 airline and hotel partner programmes from February 2023, with no expiry date.
There are no minimum spend requirements or caps on the cash rebates you can earn from your Travel$ at up to 2.1%.
Enjoy exclusive deals on STACK Marketplace, with real-time points conversion across different rewards programmes.
You are protected against non-delivery or defective goods or if the seller fails to reimburse you, thanks to e-Commerce Protection on all online purchases made using your OCBC 90°N Card.
LOANPANDA strives to provide accurate and up-to-date information, but please note that information from financial institutions, service providers, or product sites may differ. LOANPANDA is not liable to compensate customers if the information is not as updated as our partners.

Eligibility

Singaporean/PR Minimum Income

S$30,000

Non-Singaporean Minimum Income

S$45,000

Fees and Charges

Annual Principal Fee: S$54
Supplementary Annual Fee: S$54
Fee Waiver: Available
Interest Free Period: 23 days
Annual Interest Rate: 26.88%
Late Payment Fees: S$100
Minimum Monthly Repayment: 3% or S$50, whichever is higher
Foreign Currency Transaction Fee: 3.25%
Foreign Check Fee: N/A
Cash Advance Transaction Fee: S$15 or 8% on the amount withdrawn, whichever is greater
Overlimit Fee: N/A

Review

By LOANPANDA

The OCBC 90°N Card is designed for travelers who want to earn rewards while enjoying their trip. With up to 2.1% cash rebates, you can easily earn rewards on your overseas and local spending. The LED light feature adds a unique touch to the card, making it stand out. Additionally, you can convert your Travel$ to loyalty points at 8 airline and hotel partner programmes. There are no minimum spend requirements or caps on the cash rebates you can earn from your Travel$, making it easier to earn rewards without worrying about spending limits.

FAQ

A credit card is a convenient tool for people to pay for purchases today, offering many perks and rewards that can add up to more savings for the cardholders.

While there are so many types of credit cards offering different features, you may wonder: How best to choose one that suits you?

Here’s a short guide LOANPANDA has compiled to help you understand the credit card requirements, interest rates and basic payment terms.