OCBC

OCBC 90°N Card

Miles1st year fee waived

How it earns

1.3 mpd on local spend
2.1 mpd on foreign-currency spend
No cap

What it earns on typical spending

Spending profile	Earns a year	Net of fee	Rank
Everyday S$2,000/mo	29,040 miles	S$239	13 of 27
Eats out a lot S$2,050/mo	29,640 miles	S$248	14 of 27
Frequent traveller S$3,570/mo	64,560 miles	S$772	8 of 27
Family with a car S$3,050/mo	44,640 miles	S$473	12 of 27

Ranked against all 27 cards we track, miles valued at 1.5¢, annual fee counted. Click a profile to open it in the finder.

See what it earns on your spending

Key facts

Type	Miles card · Visa / Mastercard
Annual fee	S$196.20 incl. GST
Fee waiver	First year waived; auto-waived with S$10,000 spend in a year.
Minimum income	S$30,000 (citizens & PRs) · S$45,000 (foreigners)
Rewards currency	90°N Miles (1 = 1 KrisFlyer mile)
How points are counted	Per S$5 block per transaction
Expiry	90°N Miles do not expire
Converting to miles	KrisFlyer 1:1 in blocks as small as 1,000 miles; conversion fee about S$25.
Foreign-currency fee	3.25%

Good to know

Bus and MRT fares (SimplyGo) earn no miles; Grab, Gojek and licensed taxis do.

Common questions

What is the annual fee on the OCBC 90°N?

S$196.20 a year including GST, waived for the first year. First year waived; auto-waived with S$10,000 spend in a year.

What income do I need for the OCBC 90°N?

S$30,000 (citizens & PRs) · S$45,000 (foreigners).

How much will I earn with the OCBC 90°N?

On a typical S$2,000 a month of everyday spending, about 29,040 miles a year (≈ S$436 at 1.5¢ a mile), or S$239 after the annual fee. That ranks it 13 of 27 cards we track. Your own spending can change this a lot.

What is the foreign-currency fee on the OCBC 90°N?

3.25% on transactions in a foreign currency.

Sources

Checked against the issuer's own pages on 27 Oct 2026:

Terms change often. Always confirm rates, caps and fees on OCBC's own page before applying. Found something out of date? Tell us.