If you’re a frequent traveller looking for a credit card that offers flexible miles redemption and luxury perks, the OCBC Voyage Credit Card may be the perfect fit for you. This credit card is designed to cater to the needs of frequent flyers, with a unique proposition of “any seat, any flight” redemptions. The card is packed with features and benefits that make it one of the best miles credit cards in Singapore.
With the OCBC Voyage Credit Card, you can earn miles on all your spending, including overseas transactions. The miles you earn can be redeemed for flights, hotel stays, and other travel-related expenses. The card also offers a range of travel-related benefits, including airport lounge access, complimentary limousine transfers, and travel insurance coverage. In this article, we’ll take a closer look at the key features and benefits of the OCBC Voyage Credit Card, and help you decide if it’s the right card for you.
Key Takeaways
- The OCBC Voyage Credit Card is a great option for frequent travellers looking for flexible miles redemption and luxury perks.
- Cardholders can earn miles on all their spending, and redeem them for flights, hotel stays, and other travel-related expenses.
- The card also offers a range of travel-related benefits, including airport lounge access, complimentary limousine transfers, and travel insurance coverage.
Key Features and Benefits
If you are a frequent traveller who loves to enjoy luxury perks, then the OCBC Voyage Credit Card is a perfect fit for you. Here are some of the key features and benefits that make this card stand out from the rest.
Voyage Miles Rewards
With the OCBC Voyage Card, you can earn Voyage Miles for every dollar spent on your card. These miles can be redeemed for flights, hotel stays, and other travel-related expenses. Plus, you have the flexibility to transfer your Voyage Miles to KrisFlyer miles at a 1:1 ratio, making it easy to top up your KrisFlyer account.
Exclusive Dining Privileges
As an OCBC Voyage Cardholder, you can enjoy exclusive dining privileges at some of the best restaurants in Singapore. From fine dining to casual dining, you can enjoy up to 50% off your total bill or complimentary dishes when you dine at participating restaurants.
Unlimited Lounge Access
One of the best features of the OCBC Voyage Card is the unlimited lounge access. You and your supplementary cardholders can enjoy unlimited access to airport lounges worldwide, including the Plaza Premium Lounge network. This means that you can relax in comfort and style before your flight, no matter where you are in the world.
Travel Insurance Benefits
The OCBC Voyage Card also comes with comprehensive travel insurance benefits, including coverage for trip cancellations, flight delays, lost luggage, and more. Plus, you can enjoy up to S$1 million in coverage for medical emergencies while travelling overseas.
Overall, the OCBC Voyage Credit Card is an excellent choice for frequent travellers who want to enjoy luxury perks and earn rewards at the same time. With its Voyage Miles rewards, exclusive dining privileges, unlimited lounge access, and travel insurance benefits, this card has everything you need to make your travels more enjoyable and stress-free.
Earning and Redeeming Miles
When it comes to earning and redeeming miles with the OCBC Voyage Credit Card, you have a lot of flexibility and options available to you.
Local and Overseas Spend
Firstly, let’s talk about where you can earn miles. With the OCBC Voyage Credit Card, you can earn miles on both local and overseas spend. This means that you can earn rewards whether you’re shopping at home or abroad.
Miles Earn Rate
The earn rate for the OCBC Voyage Credit Card is also very competitive. Cardholders can earn up to 2.2 VOYAGE Miles for every S$1 spent in foreign currency, and 1.3 VOYAGE Miles for every S$1 spent in local currency. This means that you can accumulate miles quickly, and get closer to your next redemption.
Miles Redemption Options
When it comes to redeeming your miles, you have a few options available to you. One of the most popular options is to convert your VOYAGE Miles into KrisFlyer miles, which is the frequent flyer programme of Singapore Airlines. This allows you to use your miles to book flights, upgrades, and other travel-related expenses.
Another option is to use your VOYAGE Miles to offset your statement balance. However, it’s worth noting that this option isn’t very efficient, as the redemption rate is quite low. For example, you can redeem 5,000 VOYAGE Miles for a S$50 credit on your statement, which is equivalent to a 1% cashback rate.
Overall, the OCBC Voyage Credit Card is a great option for anyone looking to earn rewards on their spending. With competitive earn rates and flexible redemption options, it’s a great way to earn and use your VOYAGE Miles.
Fees and Charges
If you’re considering getting the OCBC Voyage Credit Card, it’s important to know the fees and charges that come with it. Here’s what you need to know:
Annual Fee and Waivers
The OCBC Voyage Credit Card comes with an annual fee of S$488. This fee is not waived, so you’ll have to pay it every year. However, the card does come with a range of benefits that can help offset this cost, such as unlimited lounge access, limo transfers, and more.
Interest Rates and Charges
The interest rate for the OCBC Voyage Credit Card is 26.88% p.a. This is a relatively high interest rate, so it’s important to pay off your balance in full each month to avoid accruing interest charges. If you do carry a balance on your card, you’ll be charged interest on the outstanding amount.
In addition to interest charges, there are a few other fees and charges to be aware of. These include:
- Late payment fee: S$100
- Cash advance fee: 6% of the amount withdrawn or S$15, whichever is higher
- Overlimit fee: S$40
Overall, the fees and charges associated with the OCBC Voyage Credit Card are fairly standard for a premium credit card. While the annual fee is not waived, the card does come with a range of benefits that can help offset this cost. Just be sure to pay off your balance in full each month to avoid accruing interest charges and other fees.
Cardholder Privileges
As an OCBC Voyage Credit Cardholder, you are entitled to a host of exclusive privileges. Here are some of the benefits you can enjoy:
Concierge Services
The OCBC Voyage Credit Card comes with a dedicated personal concierge service that is available 24/7 to assist you with all your travel and lifestyle needs. Whether you need help with flight bookings, hotel reservations, or restaurant recommendations, your personal concierge is always ready to assist you.
Supplementary Card Benefits
As a primary cardholder, you can apply for up to 4 supplementary cards for your family members. The OCBC Voyage Credit Card offers a range of benefits for supplementary cardholders, including access to airport lounges, travel insurance, and dining privileges.
Exclusive Travel and Lifestyle Perks
The OCBC Voyage Credit Card offers exclusive travel and lifestyle perks that are not available to other cardholders. For example, you can enjoy complimentary access to over 80 VIP airport lounges worldwide, as well as discounts on luxury hotel bookings and car rentals.
In addition, the OCBC Voyage Credit Card offers exclusive benefits for OCBC Premier Voyage members. If you are an OCBC Premier Voyage member, you can enjoy additional privileges such as priority check-in, complimentary airport transfers, and access to exclusive events.
Overall, the OCBC Voyage Credit Card is an excellent choice for those who value luxury and exclusivity. With its personal concierge service, supplementary card benefits, and exclusive travel and lifestyle perks, the OCBC Voyage Credit Card is one of the best credit cards available in Singapore for those who enjoy the finer things in life.
Eligibility and Application
Are you excited about the OCBC Voyage Credit Card and want to know if you are eligible? Here are the income requirements and application process for this card.
Income Requirements
To be eligible for the OCBC Voyage Credit Card, you must meet a minimum income requirement of S$120,000 per year. This requirement applies to both Singapore citizens and Permanent Residents (PRs) as well as foreigners.
Application Process
The application process for the OCBC Voyage Credit Card is simple and straightforward. You can apply for the card online or at any OCBC bank branch. If you are an existing OCBC customer, you can apply directly through your online banking account.
To apply for the card, you will need to provide your personal and financial information, including your annual income, employment status, and credit history. You may also need to submit supporting documents such as your identification card, income tax statements, and payslips.
Once your application is submitted, it will be reviewed by the bank. If your application is approved, you will receive your new card within 7 to 10 business days. If your application is rejected, you will be notified of the reasons why.
In summary, the OCBC Voyage Credit Card is an excellent option for those who meet the minimum income requirement of S$120,000 per year. The application process is easy and straightforward, and you can apply online or at any OCBC bank branch.
Additional Features
Payment Flexibility
With the OCBC Voyage Credit Card, you have the option to manage your payments with ease. You can use the Voyage Payment Facility to convert your big-ticket purchases into monthly instalments, which can help you manage your cash flow. This feature is especially useful when you want to make a large purchase but don’t want to pay for it all at once.
Travel Schedule Adaptability
The OCBC Voyage Credit Card understands that travel plans can change. That’s why it offers you the flexibility to shift your travel schedule without any hassle. With this feature, you can change your travel plans as many times as you want without any penalty. This is especially useful when you need to make last-minute changes to your itinerary.
CardUp
Another great feature of the OCBC Voyage Credit Card is the ability to use CardUp. This platform allows you to pay for your big-ticket items such as rent, taxes, and insurance with your credit card. This means you can earn miles on your payments that you wouldn’t have earned otherwise. With CardUp, you can enjoy the convenience of paying your bills with your credit card while earning miles at the same time.
Overall, the OCBC Voyage Credit Card offers a range of features that can make your life easier. From payment flexibility to travel schedule adaptability and the ability to use CardUp, this credit card is designed to help you get the most out of your spending.
Comparative Analysis
Comparison with Other Miles Cards
If you are looking for a miles card, you may be wondering how the OCBC Voyage Card stacks up against other popular options. One of the most notable features of the Voyage Card is the ability to redeem miles on any airline, which is a unique offering in the Singapore market. However, there are other miles cards that may be worth considering as well.
When comparing the Voyage Card to other miles cards, it’s important to consider factors such as earning rates, redemption options, annual fees, and other perks. For example, the OCBC 90°N Visa and Mastercard are good options for first-time miles chasers, while the OCBC 365 Card is a great choice for those looking for cashback rewards on everyday spending. The OCBC Titanium Rewards Card is ideal for avid shoppers, while the OCBC NXT Card is a good option for those who want interest-free instalment payments.
OCBC Voyage vs HSBC Visa Infinite
One card that is often compared to the OCBC Voyage Card is the HSBC Visa Infinite. While both cards offer a range of benefits and rewards, there are some key differences to consider.
The HSBC Visa Infinite offers a higher earn rate on local spending, with 1.25 miles per dollar spent compared to the Voyage Card’s 1.2 miles per dollar. However, the Voyage Card offers a higher earn rate on overseas spending, with 2.3 miles per dollar spent compared to the Visa Infinite’s 1.5 miles per dollar.
Another key difference is the annual fee. The HSBC Visa Infinite has a higher annual fee of S$650, compared to the Voyage Card’s S$488. However, the Visa Infinite offers a range of additional benefits, such as complimentary airport lounge access and travel insurance.
Ultimately, the choice between the OCBC Voyage Card and the HSBC Visa Infinite will depend on your spending habits and travel preferences. It’s important to carefully consider the features and benefits of each card before making a decision.
Conclusion
Congratulations! You have made it to the end of our review of the OCBC Voyage Credit Card. We hope that we have provided you with all the information you need to make an informed decision about whether this card is right for you.
In summary, the OCBC Voyage Credit Card is an excellent choice for those who value luxury travel perks and flexible miles redemption. With its high annual fee of S$488 and income requirement of S$120,000 for both citizens and PRs, and foreigners, it is clear that this card is aimed at the high-end market.
However, if you frequently travel for business or leisure, the Voyage Card’s extensive list of travel benefits and rewards make it a worthwhile investment. With its generous miles earning rates and easy redemption process, you can quickly accumulate miles to redeem for flights, hotels, and other travel experiences.
Overall, we believe that the OCBC Voyage Credit Card is an excellent option for those who value luxury travel perks and flexible miles redemption. If you are looking for a top-tier credit card that offers exceptional rewards and benefits, then the Voyage Card is definitely worth considering.
Frequently Asked Questions
How can one delight in the complimentary limousine service offered by the OCBC Voyage Card?
The complimentary limousine service offered by the OCBC Voyage Card can be enjoyed by making a minimum spend of S$3,000 in a calendar month on eligible transactions. Once you meet the minimum spend requirement, you can request for the limousine service through the Voyage Exchange. The service is available for airport transfers, point-to-point transfers, and hourly bookings. The limousine service is subject to availability and terms and conditions apply.
What splendid lounges may one access with the OCBC Voyage Card, and what are the entry conditions?
The OCBC Voyage Card offers access to over 80 airport lounges worldwide, including Priority Pass lounges, Plaza Premium lounges, and SATS Premier lounges. To enjoy the lounge access, simply present your OCBC Voyage Card and a valid boarding pass. The number of complimentary lounge visits per year depends on your card type and membership level. Terms and conditions apply.
Could you illuminate the process of converting OCBC Voyage Miles to KrisFlyer miles?
To convert your OCBC Voyage Miles to KrisFlyer miles, you need to log in to your OCBC internet banking account and select “Miles Redemption” under the “Cards” tab. Select “KrisFlyer” as your preferred airline loyalty program and enter the number of miles you wish to convert. The conversion rate is 1 OCBC Voyage Mile to 1 KrisFlyer mile. The converted KrisFlyer miles will be credited to your KrisFlyer account within 14 working days.
What are the splendid perks of holding an OCBC Voyage Card?
The OCBC Voyage Card offers a range of splendid perks, including unlimited airport lounge access, complimentary limousine service, travel insurance coverage, golfing privileges, and exclusive dining and shopping deals. You can also earn OCBC Voyage Miles on every dollar spent on eligible transactions, which can be redeemed for flights, hotel stays, and other travel-related expenses. Terms and conditions apply.
Might you disclose the annual service charge for the privilege of an OCBC Voyage Card?
The annual service charge for the OCBC Voyage Card is S$488 per year. However, the fee is waived for the first year for new cardmembers. Additional cardmembers can be added to the account for a fee of S$188 per year per card. Terms and conditions apply.
What income threshold must one surpass to qualify for the esteemed OCBC Voyage Card?
To qualify for the OCBC Voyage Card, you must have a minimum annual income of S$120,000 for Singapore citizens and permanent residents, and S$150,000 for foreigners. You must also be at least 21 years old and have a good credit rating. Terms and conditions apply.
