OCBC 90°N Card — Up to 2.1 mpd Foreign Currency
OCBC 90°N Card earns up to 7 mpd on agoda bookings and up to 2.1 mpd on foreign currency — and up to 1.3 mpd on everyday spend. Enter your monthly spending to see the projected annual miles it earns for you. Rates as of 1 Jul 2026
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| Category | Rate | Miles |
|---|---|---|
| All other categories (base rate) | 1.3 mpd | 2,730 |
| Monthly miles | 2,730 | |
| Annual miles | 32,760 | |
New-to-OCBC cardholders who apply through this link and spend min. S$400 in qualifying transactions within 30 days of card approval choose one: - S$400 Cash via PayNow - 25,000 Max Miles by HeyMax - Dyson Airstrait (worth S$799) - 20,000 90°N Miles - Galaxy Buds4 Pro + S$180 eCapitaVoucher bundle (worth S$529) Top-up options available (iPad, Airwrap, MacBook and others — shown on the SingSaver page).
Reward fulfilled by SingSaver. Terms and conditionsopen_in_new
Applyopen_in_newEarning the miles is only half the story. The Miles Calculator maps the award destinations you can actually reach from Singapore with it — from quick regional getaways to long-haul flights, in Economy, Business, or First.
Open the Miles Calculator- •7 mpd on Agoda Bookings — Bookings must be made via www.agoda.com/90n. Only valid for prepaid bookings. Cannot be combined with other promotions.
- •2.1 mpd on Foreign currency — On all spend in foreign currency.
- •1.3 mpd base rate on other eligible spend
- •Uncapped — no monthly cap on total miles earned
- •Annual fee: S$196.20 (First year waived +10,000 miles on renew. Waived after S$10,000 spend.)
- Global Data Roaming by Flexiroam
Complimentary 3X 1GB 5-Day Flexiroam Data Plan per calendar year in over 200 countries and regions, plus 15% discount on subsequent data plans.
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Exclusively for OCBC 90°N Mastercard cardmembers.
- Global Data Roaming by Travelgoogoo
Free 1-year unlimited messaging on WhatsApp, LINE, iMessage, Telegram, WeChat, Zalo & more and 1GB global data (4G/5G).
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Exclusively for OCBC 90°N Visa Cardmembers.
- E-Commerce Protection
Worldwide coverage for online purchases against incomplete delivery, wrong item delivered, physical damage, or non-delivery after 30 days.
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Provided automatically for purchases made with the card.
- Takashimaya S.C. Year Long Local Privileges
Up to 15% off all year-long at participating specialty stores at Takashimaya Shopping Centre.
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Valid till 30 June 2026.
- Annual fee
- S$196.20First year waived +10,000 miles on renew. Waived after S$10,000 spend.
- Annual fee waiver
- S$10,000 annual spend
- Foreign currency transaction fee
- 3.25%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.78%
- Cash advance interest rate (p.a.)
- 28.92%
- Cash advance service charge
- S$15
- Minimum payment
- S$50
- Interest-free period
- 23 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$45,000
- Minimum age: 21
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Singaporeans and Singapore PRs aged 21 to 55, with an annual income of at least S$30,000 Singaporeans and Singapore PRs aged above 55, with an annual income of at least S$15,000 Foreigners aged 21 and above, with an annual income of at least S$45,000
- •Earns 2.1 miles per S$1 on all foreign currency spend.
- •First-year annual fee is waived, with a further waiver available upon meeting S$10,000 annual spend.
- •Includes complimentary 3x 1GB 5-Day Flexiroam Data Plans per calendar year, usable in over 200 countries and regions, plus 15% off subsequent data plans.
- •Provides worldwide e-commerce purchase protection covering non-delivery, wrong item delivered, physical damage, and incomplete delivery.
- •The annual fee is S$196.20 after the first year, unless the S$10,000 annual spend threshold is met.
- •Foreign currency transactions carry a fee of 3.25%.
- •The Takashimaya Shopping Centre discount privilege is valid only until 30 June 2026.
About the OCBC 90°N Card
The OCBC 90°N Card earns 7 mpd on agoda bookings and 2.1 mpd on foreign currency, with a 1.3 mpd base rate on other eligible spend. The annual fee is S$196.20 (First year waived +10,000 miles on renew. Waived after S$10,000 spend.). Terms and conditions apply.
Miles breakdown
The OCBC 90°N Card earns 7 mpd on agoda bookings and 2.1 mpd on foreign currency, plus 1.3 mpd on other eligible spend.
Where this card earns the most
The OCBC 90°N Card earns the most on agoda bookings and foreign currency. When those categories dominate the entered spend, the calculator returns higher projected annual miles for this card than for cards without those bonuses.
Other miles cards to compare
Frequently asked questions
Is the OCBC 90°N Card worth it?
The OCBC 90°N Card earns 1.3 mpd on general spend and up to 7 mpd on travel and 2.1 mpd on foreign currency, with a S$196.20 annual fee (waived above S$10,000 a year in spend). Its value depends on how much of your spending falls into those categories — project your miles with the calculator above.
Who is the OCBC 90°N Card for?
The OCBC 90°N Card suits overseas spenders — it earns 2.1 mpd on foreign currency. Spending spread across other categories may earn more on a different card.
How many miles does the OCBC 90°N Card earn?
The OCBC 90°N Card earns 7 mpd on agoda bookings and 2.1 mpd on foreign currency, with 1.3 mpd on other eligible spend.
Can the annual fee be waived?
Yes. The S$196.20 annual fee is waived for cardholders who spend at least S$10,000.00 in a card year.
How does miles redemption work?
The OCBC 90°N Card earns flexible reward points that transfer to KrisFlyer or other airline programs. Transfer fees and minimums may apply depending on the bank.
Are these rates guaranteed?
No. Banks update miles rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of 1 Jul 2026, not guarantees of future earning. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.
OCBC governing terms: Official terms (PDF)