If you’re looking for a credit card that offers generous rewards and benefits, the OCBC 90°N MasterCard might be the one for you. This credit card is designed for frequent travellers who want to earn miles and enjoy travel perks. In this article, we’ll provide an in-depth review of the OCBC 90°N MasterCard, including its rewards and benefits, fees and charges, and other features.
The OCBC 90°N MasterCard is a popular travel credit card in Singapore, offering unlimited miles on all spend. This means that you can earn miles on all your purchases, whether you’re buying groceries, dining out, or booking a flight. The card also comes with a range of travel benefits, including complimentary travel insurance, airport lounge access, and exclusive hotel deals. If you’re a frequent traveller, these perks can help you save money and make your trips more comfortable.
Overall, the OCBC 90°N MasterCard is a great choice for anyone who wants to earn miles and enjoy travel benefits. With its generous rewards and perks, this credit card can help you save money and make your trips more enjoyable. In the following sections, we’ll take a closer look at the card’s rewards and benefits, fees and charges, and other features.
Key Takeaways
- The OCBC 90°N MasterCard is a travel credit card designed for frequent travellers who want to earn miles and enjoy travel perks.
- The card offers unlimited miles on all spend, as well as a range of travel benefits, including complimentary travel insurance, airport lounge access, and exclusive hotel deals.
- If you’re a frequent traveller, the OCBC 90°N MasterCard can help you save money and make your trips more enjoyable.
Overview of the OCBC 90°N MasterCard
If you are a frequent traveller, the OCBC 90°N MasterCard Credit Card may be the perfect card for you. This card offers a host of benefits, including unlimited rewards, both in cashback and miles. Here is an overview of the key features, pros and cons, and eligibility requirements of the OCBC 90°N MasterCard.
Key Features
The OCBC 90°N MasterCard Credit Card is designed for people who love to travel. Here are some of the key features of the card:
- Earn unlimited 90°N Miles that never expire and can be redeemed for air miles, hotel loyalty points, cash rebates, and more.
- Get 1.2 miles for every S$1 spent in Singapore dollars and 2.1 miles for every S$1 spent in foreign currency.
- Enjoy exclusive travel deals and discounts on flights, hotels, and car rentals.
- Get up to S$1 million travel accident insurance coverage when you charge your travel tickets to your card.
Pros and Cons
Like any credit card, the OCBC 90°N MasterCard has its pros and cons. Here are some of the advantages and disadvantages of this card:
Pros
- Unlimited rewards that never expire.
- Generous earn rates on both local and overseas spending.
- Exclusive travel deals and discounts.
- Comprehensive travel insurance coverage.
Cons
- High annual fee of S$288. However, the fee is waived for the first year.
- High income requirement of S$120,000 p.a.
Eligibility Requirements
To apply for the OCBC 90°N MasterCard Credit Card, you must meet the following eligibility requirements:
- Be at least 21 years old.
- Have a minimum income of S$120,000 p.a. for Singaporeans and permanent residents, and S$240,000 p.a. for foreigners.
- Have a good credit rating.
In conclusion, the OCBC 90°N MasterCard Credit Card is an excellent choice for frequent travellers who want to earn unlimited rewards and enjoy exclusive travel deals and discounts. However, the high annual fee and income requirement may be a barrier for some people.
Rewards and Benefits
The OCBC 90°N MasterCard Credit Card offers a range of rewards and benefits that make it an excellent choice for frequent travellers. Here’s what you can expect from this card:
Miles Earning Potential
With the 90°N MasterCard, you can earn unlimited miles on all your spending. You’ll earn 1.3 miles per S$1 spent locally and 2.1 miles per S$1 spent overseas. This makes it an excellent card for both local and overseas spending.
Travel$ and KrisFlyer Miles
The miles you earn with your 90°N MasterCard can be converted into Travel$ or KrisFlyer Miles. Travel$ can be used to offset your travel expenses, while KrisFlyer Miles can be used to redeem flights and other travel-related expenses.
Bonus Miles and Promotions
The 90°N MasterCard also offers bonus miles and promotions from time to time. For example, you can earn up to 7 miles per S$1 spent on Agoda hotel bookings made by 30 November 2023 and stayed by 31 December 2023. You’ll earn 7 90°N Miles per S$1 spent in foreign currency and 6 90°N Miles per S$1 spent in Singapore dollars. Bonus 90°N Miles will be credited to your account within two months of departure from the hotel.
Additional Perks
In addition to the miles earning potential, the 90°N MasterCard also offers a range of additional perks. These include airport lounge access, travel insurance, and other travel-related benefits. For example, you can enjoy access to over 80 VIP airport lounges worldwide with your 90°N MasterCard. You can also enjoy travel insurance coverage of up to S$1 million when you charge your travel expenses to your card.
Overall, the OCBC 90°N MasterCard Credit Card is an excellent choice for frequent travellers who want to earn unlimited miles on all their spending. With its range of rewards and benefits, you can enjoy a more comfortable and rewarding travel experience.
Fees and Charges
When it comes to credit cards, fees and charges can be a major consideration. In this section, we’ll break down the fees and charges associated with the OCBC 90°N MasterCard Credit Card.
Annual Fee Waiver
The OCBC 90°N MasterCard Credit Card has an annual fee of S$192.60 for the principal cardholder and S$96.30 for the supplementary cardholder. However, the annual fee is waived for the first year for both principal and supplementary cards. You can also request for a fee waiver at annual renewal.
Transaction Fees
The OCBC 90°N MasterCard Credit Card has no transaction fee for local purchases. However, for overseas transactions, there is a transaction fee of 2.8% of the transaction amount.
Foreign Currency Charges
In addition to the transaction fee, there is also a foreign currency transaction fee of 1.8% of the transaction amount. This fee is applicable for transactions made in foreign currencies.
Other Potential Costs
Here are some other potential costs associated with the OCBC 90°N MasterCard Credit Card:
- Overlimit fee: S$40
- Late payment fee: S$100
- Cash advance transaction fee: 6% of the amount withdrawn or S$15, whichever is higher
- Supplementary annual fee: S$96.30
Overall, the OCBC 90°N MasterCard Credit Card offers a competitive fee structure. With the annual fee waived for the first year and no transaction fee for local purchases, this card is a great choice for those looking to save on fees. However, it’s important to be aware of the foreign currency transaction fee and other potential costs associated with the card.
Earning and Redeeming Miles
If you’re looking for a credit card that rewards you for your everyday spending and travel expenses, the OCBC 90°N MasterCard is a great option to consider. The card offers a generous earn rate on both local and overseas spending, which can be redeemed for KrisFlyer miles or cash rebates.
Local and Overseas Spend
With the OCBC 90°N MasterCard, you can earn miles on both local and overseas transactions. For local spending, you’ll earn 1.2 90°N Miles for every SGD 1 spent. For overseas transactions, you’ll earn 2.1 90°N Miles for every SGD 1 spent in foreign currency. This makes the card an excellent choice for frequent travellers or those who frequently make purchases from international merchants.
Miles Earn Rates
The OCBC 90°N MasterCard offers an unlimited earn rate, so you can earn as many miles as you want. Additionally, there’s no minimum spend requirement to earn miles. This means that you can earn miles on all your purchases, regardless of how small they are.
KrisFlyer Miles Redemption
One of the best things about the OCBC 90°N MasterCard is that you can redeem your 90°N Miles for KrisFlyer miles. KrisFlyer miles can be used to book flights, upgrades, and other travel-related expenses. With a transfer ratio of 1:1, you’ll be able to convert your 90°N Miles into KrisFlyer miles easily and quickly.
Redemption Flexibility
In addition to KrisFlyer miles, you can also redeem your 90°N Miles for cash rebates or vouchers. This gives you the flexibility to choose how you want to use your rewards. Additionally, there’s no expiry date on your 90°N Miles, so you can take your time to accumulate your rewards and redeem them when you’re ready.
Overall, the OCBC 90°N MasterCard is a great credit card for those who want to earn rewards on their everyday spending and travel expenses. With a generous earn rate, flexible redemption options, and no expiry date on your rewards, you’ll be able to maximise your rewards and get the most out of your spending.
Comparing with Other Miles Cards
If you’re looking for a miles card, you’re probably wondering how the OCBC 90°N MasterCard stacks up against other popular options. Here’s a quick comparison of the OCBC 90°N Card with three other popular miles cards in Singapore.
OCBC 90°N Card vs Citi PremierMiles
The Citi PremierMiles card is a great option for those who like to earn miles quickly. With the Citi PremierMiles card, you’ll earn 1.2 miles for every S$1 spent locally and 2 miles for every S$1 spent overseas. However, the miles earned on the Citi PremierMiles card do expire after three years.
In comparison, the OCBC 90°N Card offers a higher earning rate of 1.3 miles for every S$1 spent locally and 2.1 miles for every S$1 spent overseas. Plus, the miles earned on the OCBC 90°N Card never expire, so you can accumulate them at your own pace.
OCBC 90°N Card vs DBS Altitude
The DBS Altitude card is another popular miles card in Singapore. With the DBS Altitude card, you’ll earn 1.2 miles for every S$1 spent locally and 2 miles for every S$1 spent overseas. However, the miles earned on the DBS Altitude card do expire after two years.
In comparison, the OCBC 90°N Card offers a higher earning rate of 1.3 miles for every S$1 spent locally and 2.1 miles for every S$1 spent overseas. Plus, the miles earned on the OCBC 90°N Card never expire, so you can take your time to accumulate them.
OCBC 90°N Card vs UOB PRVI Miles
The UOB PRVI Miles card is a great option for those who like to earn miles quickly. With the UOB PRVI Miles card, you’ll earn 1.4 miles for every S$1 spent locally and 2.4 miles for every S$1 spent overseas. However, the miles earned on the UOB PRVI Miles card do expire after two years.
In comparison, the OCBC 90°N Card offers a lower earning rate of 1.3 miles for every S$1 spent locally and 2.1 miles for every S$1 spent overseas. However, the miles earned on the OCBC 90°N Card never expire, so you can accumulate them at your own pace.
Overall, the OCBC 90°N Card offers a competitive earning rate and the added benefit of never expiring miles. If you’re looking for a miles card that gives you flexibility and rewards you for your spending, the OCBC 90°N Card is definitely worth considering.
Using Your Card for Daily Expenses
When it comes to using your OCBC 90°N MasterCard for daily expenses, you can earn unlimited miles that never expire. Here’s how you can maximise your rewards for different types of expenses.
Groceries and Shopping
When you use your OCBC 90°N MasterCard for grocery shopping and other retail purchases, you can earn up to 1.2 miles per dollar spent in Singapore dollars. This means you can earn miles while stocking up on your daily essentials. Additionally, you can enjoy exclusive deals and discounts at participating merchants when you pay with your card.
Dining and Entertainment
Eating out and enjoying entertainment activities can also earn you miles with your OCBC 90°N MasterCard. You can earn up to 4 miles per dollar spent at participating restaurants, bars, and clubs. Plus, you can enjoy up to 50% off your dining bill at selected restaurants in Singapore.
Online Shopping and Services
Shopping online and using various online services can also earn you miles with your OCBC 90°N MasterCard. You can earn up to 3 miles per dollar spent on online shopping and services in foreign currency. This includes popular online shopping platforms, food delivery services, and streaming services. Additionally, you can enjoy exclusive deals and discounts at participating online merchants when you pay with your card.
Overall, using your OCBC 90°N MasterCard for daily expenses is a great way to earn unlimited miles that never expire. With exclusive deals and discounts at participating merchants, you can enjoy even more rewards while you spend.
Travel Benefits
If you love to travel, the OCBC 90°N MasterCard Credit Card has a lot to offer. Here are some of the travel benefits that come with this card.
Accommodation Bookings
When you book your hotel stays with the OCBC 90°N MasterCard Credit Card, you can enjoy exclusive discounts and promotions. You can book your stays through popular platforms such as Agoda and Expedia, and earn up to 7 miles for every dollar spent. This means that you can save money on your accommodation while earning miles at the same time.
Flight Bookings
The OCBC 90°N MasterCard Credit Card also offers great rewards when you book your flights. You can earn up to 2.1 miles for every dollar spent on foreign currency transactions and 1.3 miles for every dollar spent on local transactions. This means that you can earn miles quickly and easily when you book your flights with this card.
LoungeKey Network Access
As a cardholder, you can also enjoy access to the LoungeKey network. This network gives you access to over 1,000 airport lounges worldwide. You can relax in comfort before your flight and enjoy complimentary food and drinks. This is a great way to start your trip in style.
In conclusion, the OCBC 90°N MasterCard Credit Card is an excellent choice for anyone who loves to travel. With exclusive discounts, great rewards, and access to airport lounges, this card can make your travel experience more enjoyable and rewarding.
Card Management and Services
If you’re looking for a credit card that offers excellent card management and services, then the OCBC 90°N MasterCard is a great choice. Here are some of the features that you can expect:
Mobile App Features
OCBC’s mobile app is a great way to manage your card on the go. With the app, you can view your account balance, check your transaction history, and even make payments. The app is available for both iOS and Android devices, and it’s easy to use.
Customer Support
OCBC offers excellent customer support for its credit card customers. If you have any questions or concerns about your card, you can reach out to the customer support team via phone, email, or live chat. The team is available 24/7, so you can get help whenever you need it.
Security Measures
Security is a top priority for OCBC, and the 90°N MasterCard is no exception. The card comes with a range of security features to help protect you against fraud and unauthorised transactions. For example, you can set up alerts to notify you of any unusual activity on your account, and you can also set up a PIN for your card to help prevent unauthorised use.
Overall, the OCBC 90°N MasterCard offers excellent card management and services, making it a great choice for anyone looking for a reliable and secure credit card.
Final Thoughts
Congratulations! You have reached the end of our review of the OCBC 90°N MasterCard Credit Card in Singapore. We hope you found this review helpful and informative.
In summary, the OCBC 90°N MasterCard Credit Card is a premium travel credit card that offers a wide range of benefits to high spenders who love to travel. With unlimited rewards potential and unparalleled redemption versatility, this card is ideal for those who want to earn a mix of cashback and miles.
One of the main advantages of this card is the ability to earn up to 7 miles per dollar spent on Agoda accommodation bookings, making it an excellent choice for frequent travellers who enjoy staying in hotels. Additionally, the card offers a range of other travel-related benefits, including complimentary travel insurance and access to airport lounges.
Overall, the OCBC 90°N MasterCard Credit Card is a great choice for those who want to earn rewards while travelling. With its attractive rewards program and range of travel-related benefits, this card is sure to please even the most discerning travellers. So what are you waiting for? Apply for the OCBC 90°N MasterCard Credit Card today and start earning rewards on your next trip!
Frequently Asked Questions
What fabulous perks come with OCBC 90°N MasterCard lounge access?
With the OCBC 90°N MasterCard, you get access to over 1,000 airport lounges worldwide with the LoungeKey program. You can enjoy two complimentary lounge visits per year, and subsequent visits will be charged at a discounted rate. To access the lounges, simply present your OCBC 90°N MasterCard and boarding pass.
How can I convert my Travel$ into miles with the OCBC 90°N card?
Converting your Travel$ into miles is easy with the OCBC 90°N card. Simply log in to your OCBC online banking account and click on the “Travel$ Redemption” tab. From there, you can choose to convert your Travel$ into miles from a range of airline frequent flyer programs. The conversion rate varies depending on the airline program you choose, so be sure to check the conversion rate before making your selection.
Are there any thrilling promotions linked to the OCBC 90°N MasterCard?
Yes, there are! OCBC frequently offers promotions for its 90°N MasterCard holders, such as bonus miles for meeting a minimum spend requirement or discounts on travel bookings made through specific travel agencies. Be sure to check the OCBC website or your email for the latest promotions available to you.
What’s the process for redeeming miles earned on the OCBC 90°N card?
Redeeming your miles earned on the OCBC 90°N card is easy. Simply log in to your OCBC online banking account and click on the “Travel$ Redemption” tab. From there, you can choose to redeem your miles for flights, hotel stays, and other travel-related expenses. The redemption process varies depending on the type of travel expense you wish to redeem your miles for, so be sure to check the details before making your selection.
How does the OCBC 90°N MasterCard compare to the OCBC 365 in terms of benefits?
While the OCBC 365 offers cashback on a range of spending categories, the OCBC 90°N MasterCard is focused on travel rewards. If you’re a frequent traveller, the 90°N MasterCard may be a better fit for you, as it offers unlimited miles for all spending and lounge access. However, if you’re looking for a card that offers cashback on everyday spending, the 365 may be a better fit.
Can you guide me through the cancellation process for my OCBC credit card?
To cancel your OCBC credit card, simply call the OCBC customer service hotline at 1800 363 3333. The customer service representative will guide you through the cancellation process and answer any questions you may have. Be sure to settle any outstanding balances on your card before cancelling it.
