Are you looking to travel more while earning rewards along the way? If so, the OCBC N90 card may be for you. With this card, you can earn miles on everyday purchases and redeem them for flights, hotel stays, and more.
This article will unlock the best tips to earn miles and relish travel privileges now.
If you’re new to the OCBC N90 card, we’ll provide a comprehensive guide to help you get started. We’ll cover everything from earning miles to understanding charges. Additionally, we’ll compare the OCBC N90 card to competitors and provide practical tips for card management.
By the end of this article, you’ll better understand how to maximise your rewards and benefits with the OCBC N90 card. Whether you’re a frequent traveller or simply looking to earn rewards on everyday purchases, this article has something for you.
Key Takeaways:
- With this card, you can earn miles on everyday purchases and redeem them for flights, hotel stays, and more.
- You will learn the best means with the comprehensive guide to enjoy the rewards.
- Whether you’re a frequent traveller or simply looking to earn rewards on everyday purchases, the OCBC N90 has something for you.
Unlocking the OCBC N90 Card
Are you excited to unlock the best tips to earn miles and relish travel privileges with your OCBC 90°N Card? Here’s what you need to know to get started.
Applying for the Card
To apply for the OCBC 90°N Card, you must meet the eligibility criteria and income requirements. The minimum income requirement for the card is SGD 30,000 p.a. If you earn below this threshold, you may be eligible for a secured version of the card with an SGD 10,000 fixed deposit. Contact OCBC customer service for further details.
Locking and Unlocking Your Card
If you ever need to lock or unlock your OCBC 90°N Card, it’s easy to do so through the OCBC Digital Banking app. Log in with your access code and PIN or fingerprint ID, tap on the left menu, select “Card Services, ” navigate to “Lock/unlock card, ” and enter the OTP sent to you via SMS. Then, you can lock or unlock your card as needed.
Earning Miles
With the OCBC 90°N Card, you can earn up to 1.3 90°N Miles with every SGD 1 you spend. You can also set up recurring payments to enjoy discounted admin fees. Remember that transactions posted before 17 March 2023 will earn the previous rates.
Terms and Conditions
As with any credit card, it’s essential to read and understand the terms and conditions of the OCBC 90°N Card. Review the fees, interest rates, and other important information before applying for the card.
Unlock the power of your OCBC 90°N Card and start earning miles and travel privileges today!
OCBC N90: Earning Miles Made Easy
Are you ready to earn miles effortlessly and enjoy travel perks? With OCBC 90°N Card, you can earn miles with every spend, making your dream vacation a reality.
OCBC N90: Local Splurges and Daily Groceries
Use your OCBC 90°N Card for your daily groceries and local spending to earn miles. You can earn 1.3 90°N Miles for every SGD 1 spent, equivalent to 1.3 KrisFlyer Miles.
Overseas Adventures and Foreign Spend
Travel the world and earn miles with your OCBC 90°N Card. You can earn 2.1 90°N Miles for every SGD 1 spent in foreign currency, equivalent to 2.1 KrisFlyer Miles. Plus, you can enjoy a waiver on foreign currency transaction fees.
OCBC N90: Online Shopping and Entertainment
Shop online and earn miles effortlessly with your OCBC 90°N Card. Earn 1.3 90°N Miles for every SGD 1 spent on online retail and entertainment.
Dining and Food Delivery
Enjoy dining out or ordering in and earn miles at the same time. Use your OCBC 90°N Card to make 4.0 90°N Miles for every SGD 1 spent on dining and food delivery.
With OCBC 90°N Card, earning miles is easy and hassle-free. Please keep track of your miles and redeem them for travel perks and more. Start earning miles today and unlock exciting travel privileges!
OCBC N90: Maximising Rewards and Benefits
As an OCBC 90°N cardholder, you can enjoy many rewards and benefits that can help you earn miles and relish travel privileges. Here are some of the best tips to help you maximise your rewards and benefits.
Travel$ and Hotel Stays
With the OCBC 90°N Card, you can earn up to 15 Travel$ per S$5 spent on your Disney+, Spotify, Netflix, Viu, and Audible subscriptions. You can also earn up to 7.5 Travel$ per S$5 spent on your everyday spending. You can redeem your Travel$ for flights, hotel stays, and other travel-related expenses on Agoda.com and Expedia.
OCBC N90: Exclusive Card Promotions
As an OCBC 90°N cardholder, you can enjoy exclusive Qoo10, Agoda.com, and Expedia promotions. For example, you can get up to 10% off your hotel bookings on Agoda.com and Expedia and up to S$100 Qoo10 coupons when you spend a minimum of S$1,000 on Qoo10.
Comprehensive Travel Insurance
With the OCBC 90°N Card, you can enjoy comprehensive travel insurance coverage of up to S$1 million when you charge your travel expenses to your card. Great Eastern General Insurance Limited provides the insurance and is subject to the Policy Owners’ Protection Scheme.
OCBC N90: Airport Lounge Access
As an OCBC 90°N Mastercard cardholder, you can enjoy complimentary access to over 1000 airport lounges worldwide with the Mastercard Airport Experiences provided by LoungeKey. You can also enjoy 2 complimentary visits per year to participating Plaza Premium Lounges in Singapore, Hong Kong, Malaysia, and Australia.
By following these tips, you can earn more reward points, redeem them for travel-related expenses, and enjoy exclusive promotions, comprehensive travel insurance, and airport lounge benefits.
OCBC N90: Understanding Fees and Charges
When it comes to credit cards, understanding fees is crucial to avoid any unwanted surprises. With the OCBC N90 card, you can enjoy a range of travel benefits and earn miles, but it’s essential to know the charges associated with the card. Here’s what you need to know:
Annual Fees and Waivers
The OCBC N90 card has an annual fee of £192.60, which is waived for the first year. You must pay the annual fee in subsequent years to continue enjoying the card’s benefits. However, there are ways to get the annual fee waived, such as meeting the minimum spend requirements or having a particular type of OCBC account.
OCBC N90: Transaction Charges and Rates
One of the benefits of the OCBC N90 card is that it offers no conversion fees for foreign currency transactions. This means that you can make purchases overseas without having to worry about additional charges. Additionally, you can earn 2.1 miles for every £1 spent in foreign currency.
You can earn 1.3 miles for every £1 spent on local transactions. The card also offers preferential rates for online travel bookings, where you can earn 3 miles for every £1 spent.
Interest and Payment Details
The annual interest rate for the OCBC N90 card is 26.88%. It’s essential to make your payments on time to avoid any additional charges. Late payment fees are charged at £25 per month, and cash advance fees are charged at 6% of the amount withdrawn.
To avoid paying interest on your purchases, you can pay your balance in full each month or opt for the minimum monthly payment. However, remember that paying only the minimum monthly payment will result in higher interest charges over time.
Conclusion
Understanding the fees associated with the OCBC N90 card is essential to maximise your travel benefits and earn miles. With no conversion fees for foreign currency transactions, preferential rates for online travel bookings, and other benefits, the OCBC N90 card is an excellent option for frequent travellers.
Comparing OCBC N90 With Competitors
If you’re looking for a miles card that offers great value, you might be considering the OCBC N90. But how does it stack up against its competitors? Here’s a comparison of the OCBC N90 with two other popular entry-level miles cards: the DBS Altitude and Citi PremierMiles.
OCBC N90: DBS Altitude and Citi PremierMiles
The DBS Altitude and Citi PremierMiles are strong competitors to the OCBC N90. All three cards offer miles for every dollar spent, but the DBS Altitude and Citi PremierMiles have a higher earning rate for overseas spending. While the OCBC N90 offers a flat rate of 1.2 miles for every dollar spent, the DBS Altitude offers 2 miles per dollar spent on overseas transactions, and the Citi PremierMiles offers 1.2 miles per dollar spent locally and 2 miles per dollar spent overseas.
However, the OCBC N90 has a unique feature that sets it apart from its competitors: unlimited miles earning with no minimum spend required. The DBS Altitude and Citi PremierMiles have minimum spend requirements to earn bonus miles, which may not be suitable for those who don’t spend much on their credit cards.
OCBC N90: Miles and Cashback Alternatives
If you’re looking for a miles card with cashback options, the DBS Altitude and Citi PremierMiles may not be your best choice. Both cards focus solely on miles earning and do not offer cashback options. However, if you’re looking for a card that offers both miles and cashback options, other alternatives are available.
For example, the DBS Altitude Card also has a cashback option, which allows you to earn up to 3% cashback on your online purchases. Similarly, the Citi PremierMiles Card also offers a cashback option, enabling you to earn up to 10% cashback on your dining purchases.
The OCBC N90 is a strong contender in the entry-level miles card market. While it may not offer the highest earning rate for overseas spending, its unique feature of unlimited miles earning with no minimum spend requirement makes it an attractive option for those who don’t spend much on their credit cards. Additionally, its miles and cashback alternatives make it a versatile option for those who want both miles and cashback options.
OCBC N90: Leveraging Card Perks for Lifestyle Enhancements
As an OCBC 90°N card member, you can enjoy many lifestyle benefits that enhance your dining, shopping, and utility experiences. Here’s how you can make the most of your card perks.
OCBC N90: Dining and Leisure
The OCBC 90°N card offers exclusive dining and leisure privileges to enjoy with friends and family. You can indulge in a sumptuous meal at selected restaurants and enjoy discounts of up to 50% off your total bill.
You can also enjoy exclusive access to airport lounges worldwide, where you can relax and unwind before your flight. To access participating lounges, you must present your OCBC 90°N card and boarding pass at the reception desk.
OCBC N90: Shopping and Online Purchases
Shopping has never been more rewarding with the OCBC 90°N card. You can earn non-expiring points when you shop at selected merchants, both in-store and online. For example, you can earn up to 4 miles per dollar spent on Qoo10 and up to 8 miles per dollar spent on Agoda.
You can also enjoy exclusive discounts and promotions when you shop at selected merchants with your OCBC 90°N card. For example, you can enjoy up to 20% off your bill at selected LED light stores.
OCBC N90: Utility and Bill Payments
Paying your bills has never been more accessible with the OCBC 90°N card. You can enjoy cashback and rewards when you pay your bills with your card. For example, you can earn up to 1.3 miles per dollar spent on CardUp, a platform that lets you pay your bills with your credit card. You can also enjoy cashback and rewards when you make contactless transactions with your OCBC 90°N card. For example, you can earn up to 8% cashback when you make contactless transactions with Grab.
With the OCBC 90°N card, you can unlock a world of lifestyle benefits that enhance your everyday experiences. Whether dining out, shopping or paying your bills, your OCBC 90°N card can help you earn rewards and enjoy exclusive privileges. So why wait? Apply for your OCBC 90°N Mastercard version or Visa card today and start enjoying the benefits!
OCBC N90: Strategic Mile Redemption
Now that you have accumulated a significant number of 90°N Miles, it’s time to redeem them strategically to maximise your rewards. One of the best ways to save your miles is by transferring them to KrisFlyer miles. With this option, you can share your 90°N Miles to KrisFlyer miles at a 1:1 ratio, and unlock many benefits.
Redeeming your KrisFlyer miles is easy and can be done online. You can redeem your miles for flights, upgrades, and other expenses. With KrisFlyer miles, you can fly with over 35 airlines, including Singapore Airlines, SilkAir, and Star Alliance partners.
Another great way to redeem your 90°N Miles is by converting them into unlimited miles. This option allows you to convert your 90°N Miles into unlimited miles, which can be used to redeem air tickets, hotel stays, and other travel-related expenses. You can restore your 90°N Miles to unlimited miles at a rate of 1,000 90°N Miles to 1,000 unlimited miles.
Finally, don’t forget to check out the transfer partners of the OCBC 90°N Card. You can transfer your 90°N Miles to partners such as Asia Miles, AirAsia BIG, and Emirates Skywards. By sharing your miles with these partners, you can unlock many benefits and rewards, including free flights, hotel stays, and more.
In summary, redeeming your 90°N Miles strategically can help you make the most of your rewards. Transfer your miles to KrisFlyer miles, convert them to unlimited miles, and explore the various transfer partners to unlock the best deals and rewards.
OCBC N90: Practical Tips for Card Management
Unlock the full potential of your OCBC 90°N Card with these practical tips for card management.
Meeting Minimum Spend Requirements
To fully enjoy the benefits of your OCBC 90°N Card, you need to meet the minimum spend requirements. The minimum spend requirement is S$6,000 per year, equivalent to S$500 per month.
To meet the minimum spend requirements, consider using your OCBC 90°N Card for daily expenses such as groceries, dining, and transportation. You can also use the card to pay bills that do not offer rewards, such as income taxes, insurance, school fees, car loans, and more. By doing so, you can earn miles and enjoy travel benefits while meeting the minimum spend requirements.
Navigating Online Banking
OCBC offers a user-friendly online banking platform that allows you to manage your OCBC 90°N Card easily. To access your account, simply login to your OCBC online banking account using your access code and PIN or fingerprint ID.
Once logged in, you can view your account balance, transaction history, and available credit limit. You can also pay your bills, transfer funds, and set up recurring payments. Additionally, you can lock or unlock your card in case of loss or theft.
To make the most of your OCBC 90°N Card, consider linking it to your OCBC 360 Account. Doing so allows you to earn higher interest rates on your savings and enjoy additional benefits such as fee waivers and cashback.
Managing your OCBC 90°N Card is simple and convenient with OCBC’s online banking platform. You can maximise your miles and travel benefits by meeting the minimum spend requirements and navigating online banking effectively.
Frequently Asked Questions
What’s the thrill of the OCBC 90N Welcome Bonus and how can I snag it?
The OCBC 90N Welcome Bonus is a fantastic way to start your journey towards earning miles and enjoying travel benefits. With this bonus, you can earn up to 10,000 miles, which you can use to redeem air miles, cash rebates, and other rewards listed on our product catalogue. To snag this bonus, you only need to spend a minimum of S$1,000 within the first 30 days of card approval.
Can you tell me how to earn miles with the OCBC Voyage Card?
The OCBC Voyage Card offers you a variety of ways to earn miles. You can earn 1.2 miles for every S$1 spent in SGD and 2.3 miles for every S$1 spent in foreign currency. Additionally, you can earn 2.3 miles for every S$1 spent on dining and overseas travel. You can also earn up to 150,000 miles per year with the OCBC Voyage Card.
How does one go about converting OCBC travel dollars into fabulous miles?
Converting your OCBC travel dollars into miles is a breeze. All you need to do is log in to your OCBC online banking account, select the “Cards” tab, and click on the “Travel” button. From there, you can convert your travel dollars into miles instantly.
Is the OCBC 90N card truly a game-changer for travel enthusiasts?
Absolutely! The OCBC 90N card is designed specifically for travel enthusiasts who want to earn miles and enjoy travel benefits. With this card, you can earn up to 1.3 miles for every S$1 spent in SGD and 2.1 miles for every S$1 spent in foreign currency. You can also enjoy exclusive travel perks and privileges such as complimentary travel insurance, airport lounge access, and more.
What’s the secret to redeeming OCBC miles for the most amazing travel adventures?
The secret to redeeming your OCBC miles for the most amazing travel adventures is to plan ahead and be flexible. Keep an eye out for promotions and deals on flights and hotels, and be willing to adjust your travel plans to take advantage of these offers. Additionally, be sure to check the OCBC rewards catalogue regularly to find the best deals on travel-related rewards.
Could you enlighten me on the OCBC 365 Credit Card’s travel perks and privileges?
The OCBC 365 Credit Card offers a range of travel perks and privileges, including 3% cashback on all online travel bookings, 6% cashback on dining, and up to 22.2% discount on petrol. Additionally, you can enjoy complimentary travel insurance coverage of up to S$500,000 when you charge your travel expenses to your OCBC 365 Credit Card.
