OCBC 90°N Visa
Earn 1.3 Travel$ per S$1 in SGD and 2.1 Travel$ in foreign currencies, equivalent to 1.3 / 2.1 airline miles at the standard transfer ratio. Travel$ do not expire.
Benefits & important limits
- Earn 1.3 Travel$ per S$1 in SGD and 2.1 Travel$ in foreign currencies, equivalent to 1.3 / 2.1 airline miles at the standard transfer ratio. Travel$ do not expire.
- Rewards are calculated in S$5 transaction blocks. Partner travel-booking bonus rates require the dedicated OCBC booking channel; ordinary purchases do not earn the advertised booking multiplier.
Fees & repayments
- Principal annual fee (GST included)
- S$196.20
- Fee waiver
- First 1 year waived. Automatic renewal waiver with S$10,000 eligible annual spending.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Singapore citizens / PRs generally need S$30,000 yearly income; the senior route is S$15,000 where listed. Foreign applicants need S$45,000. OCBC lists an Employment Pass and passport with at least six months’ validity, income proof and address documents. Other pass types require specific confirmation.
Principal age: 21+
Application documents ↗Overseas & FX fees
OCBC adds a 2.25% administrative fee to the 1% Visa / Mastercard conversion fee for foreign-currency purchases: 3.25% in total. DCC and overseas SGD processing are separate.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.