OCBC 90°N Visa Card

Min. annual incomeRM60,000RM5,000 / month equivalent

Principal annual feeRM288

Card networkVisaConventional card

BEFORE YOU FLY

Airport lounge access

KLIA / klia2 Plaza Premium

Plaza Premium Lounge

Spend & visit rules: Annual renewal of two visits requires RM30,000 total retail spend p.a.
Who can enter: Eligible cardholder; the two-visit quota may be shared with an accompanying guest.; Guests are separately charged; complimentary guest admission is not included.
Where it works: Participating KLIA / klia2 lounges.
Kuala Lumpur International Airport
Terminal International departures Domestic departures
KLIA T1 Check with issuer Check with issuer
KLIA T2 Check with issuer Check with issuer
OCBC names both KLIA and klia2. Check the eligible lounge and departure type with OCBC.
How to enter: Travel documents Valid boarding pass. Bring your passport for international departures and overseas lounges.
Lounge credential Physical eligible card and boarding pass; no membership app specified.

Kuala Lumpur International Airport
Terminal	International departures	Domestic departures
KLIA T1	Check with issuer	Check with issuer
KLIA T2	Check with issuer	Check with issuer

Entry steps & validity

Use the entry method above and check your remaining allowance before visiting.

First-year allowance and annual spend-based renewal are distinct; do not present two visits as unconditional every year.

Check your remaining visits and the card’s participating lounge list before travel.

THE DETAILS

Travel$ earning
Eligible spending	Travel$ per RM1	Validity
Local	1	5 years
Overseas / online foreign currency	5	5 years

No monthly points maximum under the current programme. Named UK / EU / European-country exclusions also apply to online merchant country codes.

Principal annual fee: RM288
Supplementary annual fee: RM88; applicable first-year / subsequent waiver conditions remain separate.
Annual-fee waiver: First-year waiver offered through 31 December 2026; then waiver at RM30,000 annual retail spend.
Retail interest / effective profit rate: 15% / 17% / 18% p.a., based on prompt-payment history.
Cash advance interest / profit: 18% p.a., normally calculated daily without a retail grace period.
Service tax: RM25 for each principal / supplementary card; an annual-fee waiver does not waive this tax.
Cash advance fee: 5% of amount advanced or RM20, whichever is higher, plus applicable tax.
Minimum monthly payment: 5% of outstanding balance or RM50, plus full contracted monthly card-plan / ABC instalments.
Late payment: Higher of RM10 or 1% of relevant retail / cash outstanding, capped at RM100.
Foreign currency conversion: 1.25% bank administration cost plus the network conversion rate / transaction fees. Premier Private Client Voyage exemption applies where eligible.
Replacement card: RM35 for 365; RM50 for ordinary cards / recycled-PVC Voyage, RM500 for metal Voyage.
Retail grace period: 20 days from statement date when the account has no outstanding carried balance; not applicable to cash advances / balance transfers.

Minimum annual income: RM60,000
Principal age: At least 21 years
Supplementary age: At least 18 years
Application conditions: Published income threshold; residency, income documents and bank credit assessment also apply.

Income documents: NRIC / passport and accepted income evidence such as payslips, EPF, tax assessment and supporting bank statements. Self-employed applicants also need business registration and business statements. Foreign applicants must satisfy the bank’s work-permit / residency requirements.
Travel$ redemption: Redeem cash credit in OCBC Malaysia Mobile Banking; do not assume that five Travel$ are five airline miles.
Travel protection: Up to RM1 million death / permanent disablement travel cover under the linked certificate; eligible trip payment and policy conditions apply.

Annual fees exclude applicable tax and transaction charges. Bank approval and current product terms apply.