S$1 = Up to 7 Miles

on Agoda accommodations worldwide

S$1 = 2.1 Miles

on Foreign Currency spend

S$1 = 1.3 Miles

on Local spend

All Details

• Key Features

  • Designed with an LED light feature, the 90°N MasterCard Card lights up whenever you make a contactless payment.

  • Travel$ that do not expire - Convert Travel$ to loyalty points at 9 airline and hotel partner programmes.

  • Get cash rebates at up to 2.1% from your earned Travel$. No minimum spend and no caps

  • All online purchases on your OCBC 90°N Card come with e-Commerce Protection, which safeguards you against non-delivery or defective goods or if the seller fails to reimburse you.

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Cash Back

• Get cash rebates at up to 2.1% from your earned Travel$. No minimum spend and no caps

Shopping

Excellent

• 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

Excellent

• Your Miles never expire

• Convert to 9 airline and hotel partner programmes, including Singapore Airlines' KrisFlyer miles programme

• No cap on the amount of miles you can earn

• Redeem in blocks of as few as 1,000 Miles

Overseas Spending

Excellent

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

Entertainment

Very Good

• 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

Very Good

• 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

Annual Interest Rate and Fees

Annual Principal Fee	S$54
Supplementary Annual Fee	S$54
Fee Waiver	Available
Interest Free Period	23 days
Annual Interest Rate	27.78%
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Cash Advance Transaction Fee	S$15 or 8% on the amount withdrawn, whichever is greater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

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$45,000

Card Association

Mastercard

Wireless Payment

Apple Pay
Samsung Pay
Google Pay

MoneySmart Promotions

MoneySmart Exclusive
Apple Gifts
Vouchers & Points
MoneySmart Lucky Draw