OCBC 90°N Mastercard vs UOB PRVI Miles Card
Compare OCBC 90°N Mastercard, UOB PRVI Miles Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
OCBC •••• •••• •••• •••• Credit Card CompareMastercard OCBC 90°N Mastercard | UOB •••• •••• •••• •••• Credit Card CompareMastercard UOB PRVI Miles Card |
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Card details
CardIQ
How we calculate scores| Overall | 45Fair Highest | 43Fair |
|---|---|---|
| Airport lounge | – | 52/100 |
| No annual fee | 41/100Highest | 21/100 |
| Rewards | 49/100 | 56/100Highest |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | Mastercard | Mastercard |
| Credit rating | Not published | Not published |
| Rewards program | OCBC 90°N Miles | UOB UNI$ |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | 21 years old |
|---|---|---|
| Minimum income | S$30,000 p.a. | S$30,000 p.a. |
| Residency | Singaporean or Singapore PR aged 21 to 55 (S$30,000 a year) or above 55 (S$15,000 a year); foreigner aged 21 and above (S$45,000 a year) | Singaporean or Singapore PR aged 55 and below (S$30,000 a year) or 56 and above (S$15,000 a year); foreigner (S$40,000 a year); or a fixed deposit of at least S$10,000 |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Yes (~60 seconds) |
Repayments
| Interest-free period | Up to 23 days | Not published |
|---|---|---|
| Minimum repayment | S$50 or 3% of the total balance, whichever is higher, and any overdue amount | 3% of current balance or S$50, whichever is higher, plus any overdue amounts |
Rates & fees
Ongoing interest rates
| Purchases | 27.78% p.a.Lowest | 27.80% p.a. |
|---|---|---|
| Cash advances | 28.92% p.a. | 28.50% p.a.Lowest |
Fees
| Annual fee | No annual fee | No annual fee |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | S$98.10 | S$0Lowest |
| Cash advance fee | 8% of the amount | 8% of the amount |
| Foreign transaction fee | 3.25% | 3.25% |
| Late payment fee | S$100 | S$100 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 6.5 90°N Miles per S$5 | 1.4 pts per S$1 |
|---|---|---|
| Bonus categories | None | None |
| Other purchases | None | None |
| Overseas spend | 10.5 90°N Miles per S$5 on overseas spend | 2.4 pts per S$1 on overseas spend |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | Miles never expire | UNI$ expire 2 years from the last day of the quarter in which they were earned |
| Estimated annual points | 68,800 ptsWorth S$1,032Highest | 50,400 ptsWorth S$1,512 |
Sign-up bonus
| Sign-up bonus | 22,000 points | — |
|---|---|---|
| Bonus spend required | S$800 within 60 days of card approval (new OCBC credit cardmembers; valid till 31 December 2026) | — |
Transfer partners
| Singapore Airlines KrisFlyer | 1 pt → 1 pt (≈ 1.3 pts per S$1) | — |
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Related comparisons
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Sources
- Credit Card Compare
- How CardIQ scores cards