OCBC 90°N Visa Card
1 Travel$ per RM1 local & 5x overseas — redeems as cash credit
Apply for OCBC 90°N Visa Card →Last updated 21 September 2026 · Reviewed by Raymond, Rates.my
OCBC 90°N Visa Card overview
The OCBC Bank OCBC 90°N Visa Card is a Card-tier Visa points card built around rewards points. 1 Travel$ per RM1 local & 5x overseas — redeems as cash credit. It best suits upper-middle-income earners, with a minimum income requirement of RM60,000 a year. It has an annual fee of RM288 (free 1st year, then waived with min. rm30,000/yr retail spend). Standout perks include airport lounge access, complimentary travel insurance.
Features & benefits
- ✓1 Travel$ per RM1 local & 5 Travel$ per RM1 overseas spend
- ✓Travel$ redeem as cash credit (min RM10 cashback equivalent, needs a travel-category spend in the past 12 months) — the Malaysia card has no airline-miles transfer
- ✓RM288/yr — first year free, then waived with min. RM30,000/yr retail spend
- ✓Travel insurance & complimentary lounge access
Is the OCBC 90°N Visa Card worth it?
The OCBC 90°N Visa Card is best suited to upper-middle-income earners — its minimum income requirement is RM60,000 a year (about RM5,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Annual fee waivable (free 1st year, then waived with min. rm30,000/yr retail spend)
- +Earns 1 reward point per RM1 spent
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −RM288 annual fee unless the waiver condition is met
- −Higher income requirement — RM60k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — OCBC Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
The catches most people miss on the OCBC 90°N Visa Card, in plain language — so nobody gets caught out. Always confirm against the official terms.
- What's excluded
- No Travel$ on: Easy Payment Plan, Balance Transfer, Call for Cash, Power Credit Cash Plus, outstanding balance, Auto Balance Conversion, cash advance, finance charges, annual fee, late payment charges, reversed/disputed/fraudulent transactions, card replacement fee, service tax, donations, government-related payments, JomPAY/FPX/DuitNow QR transactions, and any transaction made in the UK or an EU/EEA member country (full country list in the T&C).
- How the cap works
- 1 Travel$ per RM1 local spend, 5 Travel$ per RM1 overseas/foreign-currency spend — no stated monthly or annual cap on Travel$ earned. Redemption requires a minimum RM10 cashback-equivalent and at least one qualifying Travel Spending transaction (airlines, car rental, hotels, passenger transport, travel agencies, tourist attractions — by MCC) in the past 12 months; Travel$ redeemed via DuitNow QR or FPX don't count as Travel Spending.
- Foreign transaction fee
- Visa's own currency-conversion rate plus OCBC's standard ~1.25% administration cost that applies to most OCBC cards not on the exemption list (per the general OCBC 'Credit Cards Fees and Charges' schedule) — assumed to apply since this card isn't named in that schedule's exemption footnote, not explicitly restated in this card's own T&C.
- Fee waiver
- RM288 principal / RM88 supplementary annual fee waived for the 1st year, then waived again with min. RM30,000/yr retail spend — per the official product page and the card's own T&C.
- ⚠Travel$ expire 5 years from the earning date.
- ⚠Online/e-commerce purchases from merchants tagged to the UK or an EU/EEA country are excluded from Travel$ even though they're online — the exclusion is merchant-country-based, not just in-person-transaction-based.
- ⚠Only the Principal Cardmember can redeem Travel$ (Supplementary spend contributes to the pool but can't be redeemed by the Supplementary cardholder).
Verified 7 September 2026. Summarised in our own words from OCBC Bank's published terms — indicative only, and terms change. Read the official document before you apply.
📄 Official OCBC 90°N Visa Cardterms & product disclosure →OCBC 90°N Visa Card FAQ
You need a minimum annual income of RM60,000 (about RM5,000 a month). OCBC Bank also considers your overall credit standing.
The annual fee is RM288, but it can be waived: free 1st year, then waived with min. rm30,000/yr retail spend.
It earns 1 reward point per RM1 spent. 1 Travel$ per RM1 local & 5x overseas — redeems as cash credit.
No — the OCBC 90°N Visa Card is a conventional credit card. Check with OCBC Bank for any Islamic (card-i) equivalent.
It's a good fit for upper-middle-income earners who want rewards points — its main draw is "1 Travel$ per RM1 local & 5x overseas — redeems as cash credit". Weigh the RM288 annual fee against how much you'll earn back. Compare it with the related cards below before applying.
See how the OCBC 90°N Visa Card compares
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Rates, fees and promotions are indicative and time-limited — always confirm current terms with OCBC Bank before applying. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by OCBC Bank; card names and logos belong to their respective owners. Spotted an error or need a correction or takedown? Contact Raymond at raymond@rates.my.