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.

  • Earn up to 7 Miles (equivalent to 7% cash rebate) for every S$1 spent on Agoda

  • Earn 1.3 Miles (equivalent to 1.3% cash rebate) for every S$1 spent in SGD

  • Earn 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

  • Earn unlimited miles that never expire

  • 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.

Overseas Spending

Very Good

• Earn 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

• Earn up to 7 Miles (equivalent to 7% cash rebate) for every S$1 spent on Agoda

Air Miles

Very Good

• Earn up to 7 Miles (equivalent to 7% cash rebate) for every S$1 spent on Agoda

• Earn 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

• Earn 1.3 Miles (equivalent to 1.3% cash rebate) for every S$1 spent in SGD

• 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

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 (equivalent to 1.3% cash rebate) for every S$1 spent in SGD

Entertainment

Very Good

• Earn 1.3 Miles (equivalent to 1.3% cash rebate) for every S$1 spent in SGD

• Earn 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

Shopping

Very Good

• Earn 1.3 Miles (equivalent to 1.3% cash rebate) for every S$1 spent in SGD

• Earn 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

Cash Back

Good

• Earn up to 7 Miles (equivalent to 7% cash rebate) for every S$1 spent on Agoda

• Earn 1.3 Miles (equivalent to 1.3% cash rebate) for every S$1 spent in SGD

• Earn 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

Annual Interest Rate and Fees

Annual Principal Fee	S$196.20
Supplementary Annual Fee	S$98.10
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	•At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54 •At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
Non-Singaporean Minimum Income	•At least S$45,000 for foreigners

Card Association

Mastercard

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