OCBC 90°N
Miles card by OCBC · Easy · No minimum spend
Earns 1.3 mpd on all spend in S$ and 2.1 mpd in a foreign currency. Annual fee: S$196.20, 1st year free.
Earn rate1.3 mpdall spend in S$
Everything else1.3 mpdin S$
Foreign currency2.1 mpdbefore fees
Annual feeS$196.201st year free
Checked against OCBC's own terms on 21 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| Everything else, in S$ | Any way of paying | 1.3 mpd |
| Everything else, in a foreign currency | Any way of paying | 2.1 mpd |
The bank's full earning rules
- 1.3 miles per S$1 in local currency.
- 2.1 miles per S$1 in foreign currency.
- No monthly cap. Awarded per S$5 spent per transaction.
Where the bonus applies
- All eligible retail spend
Earns nothing on
- Per the OCBC 90°N Card Programme T&Cs and OCBC's Transaction Exclusion List
Fees and limits
Annual feeSGD 196.20 incl. GST, first year waived; waived after that with S$10,000 spend a year. Supplementary S$98.10.
Minimum incomeSGD 30,000 (Singaporeans/PRs aged 21–55); SGD 15,000 (aged 55+); SGD 45,000 (foreigners).
Overseas fee3.25% on foreign-currency transactions (1% card association + 2.25% OCBC administrative fee); 1% on SGD transactions processed overseas, including online.
Rewards expiry90°N Miles never expire.
Turning rewards into miles or cash1 90°N Mile = 1 KrisFlyer mile or 1% cashback; redeem in blocks as small as 1,000 miles.
Good to know
Uncapped: 1.3 mpd local, 2.1 mpd foreign currency. 90°N Miles never expire.
Miles are awarded per S$5 block of each transaction.
Agoda via OCBC: up to 6 mpd in SGD and 7 mpd in foreign currency; not modelled.
Where these facts come from
OCBC 90°N Card Programme T&CsUpdated as of 24 November 2025 (recorded as effective 1 Jan 2024 until re-read 21 Oct 2026)
OCBC 90°N product pageUpdated as of 24 November 2025 (recorded as effective 1 Jan 2024 until re-read 21 Oct 2026)
OCBC Fees & Charges for Credit Cards1 Oct 2025
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