OCBC 90°N Card — 2.3 mpd on Dining, Online & Overseas

About OCBC 90°N Card

The OCBC 90°N Card earns 2.3 miles per dollar on dining, online shopping, and overseas transactions, with a 1.2 mpd base rate on all other spend. The annual fee is $192.60 with a minimum income of $30,000. The card name references 90 degrees north latitude — the North Pole — reflecting its travel positioning. Miles are earned as OCBC reward points requiring a transfer step to KrisFlyer or other airline partners. The 2.3 mpd bonus rate across three commonly used categories provides a moderate uplift over the base rate without the complexity of separate caps that characterise some competitor cards.

Key Features

• •2.3 miles per dollar on dining, online, and overseas spend
• •1.2 miles per dollar on all other transactions
• •No published monthly cap on bonus category earning
• •OCBC reward points transferable to KrisFlyer and other partners
• •Annual fee: $192.60
• •Minimum income: $30,000

Miles Earning Breakdown

On $3,000 monthly spend, assuming $500 dining (2.3 mpd), $500 online (2.3 mpd), $300 overseas (2.3 mpd), and $1,700 general (1.2 mpd), the OCBC 90°N could earn approximately 5,030 miles per month or 60,360 miles per year. With a higher proportion of bonus category spend — say $2,000 across dining, online, and overseas — the projection increases to approximately 5,800 miles per month. The absence of a published monthly cap on bonus categories means the 2.3 mpd rate could apply to the full amount spent in those categories without a hard spending ceiling each month.

OCBC 90°N Card vs UOB PRVI Miles vs Citi PremierMiles Visa

Against the UOB PRVI Miles Card (2.4 mpd local, 3 mpd overseas), the OCBC 90°N earns less on local spend (2.3 vs 2.4 mpd in bonus categories, 1.2 vs 2.4 mpd on general) and less overseas (2.3 vs 3 mpd). However, the 90°N costs less annually ($192.60 vs $256.80). Compared to the Citi PremierMiles (4 mpd foreign currency, 2 mpd online, 1.2 mpd base), the Citi earns significantly more on foreign currency (4 vs 2.3 mpd) while the OCBC 90°N earns slightly more on dining (2.3 vs 1.2 mpd). Both cards share the same annual fee and income requirement. Rates sourced from bank websites as of April 2026.

Where Does OCBC 90°N Card Earn the Most?

Dining, online shopping, and overseas transactions earn the bonus 2.3 mpd rate. Restaurant meals, e-commerce purchases, and foreign currency transactions form the three primary earning categories. All other spending — groceries, transport, utilities, and general retail — earns at the 1.2 mpd base rate.

Frequently Asked Questions