OCBC 90°N Mastercard
CardIQ
Fair
Overall score, out of 100 · How this works
- No annual fee41
- Rewards49
Customer reviews
No reviews yet. Be the first to review the OCBC 90°N Mastercard.
Pros & cons
What's good
- 22,000 bonus points to start, worth around S$330 at our 1.5c-per-point valuation.
- The 27.78% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 27.8% p.a.).
- No annual fee.
- Earns 10.5 90°N Miles per S$5 on overseas spend.
- Points transfer to Singapore Airlines KrisFlyer.
Worth noting
- The annual fee increases from S$0 to S$196 in the second year.
- Earns 6.5 90°N Miles per S$5 on everyday spend, around the dataset average.
Card details
The basics
- Additional cardholder fee
- S$98.10 p.a.
- Card tier
- Not published
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- Not published
- Credit rating
- Not published
- Rewards program
- OCBC 90°N Miles
Eligibility
- Instant approval
- Not published
- Joint application
- Not published
- Minimum age
- 21 years old
- Minimum income
- 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)
- Temporary residents
- Not published
Rates & fees
Ongoing interest rates
- Cash advances
- 28.92% p.a.
- Purchases
- 27.78% p.a.
Fees
- Additional cardholder fee
- S$98.10
- Annual fee
- No annual fee
- Annual fee (year 2+)
- S$196.20 p.a.
- Cash advance fee
- 8% of the amount
- Foreign transaction fee
- 3.25%
- Late payment fee
- S$100
- Over limit fee
- S$50
Repayments
- Interest-free period
- Up to 23 days on purchases
- Minimum repayment
- S$50 or 3% of the total balance, whichever is higher, and any overdue amount
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- 6.5 90°N Miles per S$5
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- 10.5 90°N Miles per S$5 on overseas spend
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- Miles never expire
Sign-up bonus
- Bonus spend required
- S$800 within 60 days of card approval (new OCBC credit cardmembers; valid till 31 December 2026)
- Sign-up bonus
- 22,000 points
Transfer partners
- Singapore Airlines KrisFlyer
- 1 pt → 1 pt (≈ 1.3 pts per S$1)
Where these points could take you
- Denpasar
- Flying Singapore Airlines via Singapore, using transferred KrisFlyer points. Economy 30,500 pts.
- London
- Flying Singapore Airlines via Singapore, using transferred KrisFlyer points. Economy 63,000 pts.
- Singapore
- Flying Singapore Airlines non-stop, using transferred KrisFlyer points. Economy 29,000 pts, Premium Economy 53,500 pts.
- Tokyo
- Flying Singapore Airlines via Singapore, using transferred KrisFlyer points. Economy 44,500 pts.
Flights you could book with the sign-up bonus plus a year of spending $3,000 a month on this card. One-way from Sydney or Melbourne, one adult, before taxes and carrier charges. Award prices and seat availability change.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
- American Express Singapore Airlines KrisFlyer Credit CardvsOCBC 90°N Mastercard
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- OCBC 90°N MastercardvsCiti Cash Back+ Card
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- OCBC 90°N MastercardvsUOB One Card
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Questions and answers
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Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuer
- OCBC