PayperWIZ

OCBC 90°N cashback rate, cap and annual fee

OCBC 90°N pays 7% at Agoda via OCBC's link, 2.1% at foreign currency spend and 1.3% on everything else. The card costs SGD 196.20 a year.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

OCBC · Singapore · catalogue v121

Read from OCBC's own published terms on 29 Oct 2026.

SGD 196.20Annual fee
7%Best rate

What it pays, by category

SpendingRateMonthly cap
Agoda via OCBC's linktravel7.00%—7 Miles per S$1 on accommodation booked on Agoda through OCBC's link in a foreign currency (6 in SGD).
foreign currency spendtravel2.10%—10.5 per S$5 spent overseas (2.1 per S$1), uncapped.
everything else1.30%—6.5 90°N Miles per S$5 spent in Singapore dollars (1.3 per S$1), uncapped.
Valued at OCBC's own figure: '1 90°N Mile = 1 KrisFlyer Mile or 1% cashback', and statement credits 'of up to 2.1%' on the 2.1 rate, i.e. S$0.01 a mile, so 1.3% locally and 2.1% overseas. Fixed: the entry carried 0.26 and 0.42, a fifth of the per-dollar rates. Miles do not expire. S$196.20 a year including GST (the entry said S$54), first year waived and then waived on S$10,000; 10,000 bonus miles on paying it. Issued as Mastercard and Visa; the Visa is recorded. Source: ocbc.com 90°N Card page (read in a browser) and the 90°N Card Programme terms, read 29 Oct 2026.

Questions people ask

What cashback does the OCBC 90°N pay?

7% at Agoda via OCBC's link, 2.1% at foreign currency spend and 1.3% on everything else.

Is there a cap on the OCBC 90°N?

No monthly cap is published on the rates shown here.

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

SGD 196.20 a year.

Knowing the rate is not the same as remembering it

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

Download on the App Store

Other Singapore cards read off the issuer