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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