Miles vs Cashback

OCBC 90°N Card

A fuss-free miles card whose miles never expire, with a higher earn rate on overseas spend.

Issuer
OCBC
Network
Visa
Rewards
Miles
Annual fee
Annual fee, often waivable
Beginner-friendlyStrong overseas
Overseas spendTravelGeneral spend

Pros

  • +Miles never expire
  • +Higher earn rate on foreign-currency spend (2.1 mpd)
  • +No cap on miles earned; convert in 1,000-mile blocks
  • +First-year fee waived; waivable thereafter on S$10,000 annual spend

Cons

  • −Local earn rate (1.3 mpd) is only average for a miles card
  • −No complimentary airport lounge access as a standard perk
  • −S$25 transfer fee applies when converting miles to a partner programme
  • −3.25% foreign-currency transaction fee partly offsets the overseas earn rate
Annual feeS$196.20as of 16 Jun 2026
Miles per $1 (local)1.3 mpdas of 16 Jun 2026
Miles per $1 (foreign)2.1 mpdas of 16 Jun 2026
Min. income (S'porean/PR)S$30,000/yras of 16 Jun 2026
Min. income (foreigner)S$45,000/yras of 16 Jun 2026

Eligibility: Min age 21. Singaporeans/PRs aged 21-54 need S$30,000 income (S$15,000 if 55+); foreigners need S$45,000.

Who it’s for

The OCBC 90°N Card is a air miles card from OCBC, best suited to people who spend on overseas spend, travel and general spend. It's beginner-friendly and strong for overseas spend. It carries an annual fee that can often be waived. Confirm the current terms before applying.

View official detailsAlways confirm the latest fees, rates and terms on the issuer’s site.

Sources

Last reviewed 16 Jun 2026.

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