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 7 August 2026 · Reviewed by Raymond, Rates.my
OCBC Bank 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 carries no annual fee. 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 5,000 Travel$, needs a travel spend in the past 12 months) — the Malaysia card has no airline-miles transfer
- ✓RM288/yr — first year free
- ✓Travel insurance & complimentary lounge access
Is the OCBC 90°N Visa Card worth it?
The OCBC 90°N Visa Card is best suited to upper-middle-income earners — its minimum income requirement is RM60,000 a year (about RM5,000 a month). As a points card, it works best for people who will actively redeem rewards points for vouchers, gifts or air miles.
- +Free for life — no annual fee
- +Earns 1 reward point per RM1 spent
- +Complimentary airport lounge access
- +Complimentary travel insurance
- −Higher income requirement — RM60k a year
- −Rewards only pay off if you actively redeem your points or miles
- −Like any credit card, finance charges apply if you don't pay the balance in full each month
How much could you earn?
At 1 point per RM1, around RM2,000 of monthly spending earns about 2,000 points a month — redeemable for vouchers, gifts or air miles depending on the programme. This is illustrative; redemption value varies.
Eligibility & how to apply
Requirements are general guidance — OCBC Bank sets the final approval criteria. Confirm current terms before you apply.
The fine print, decoded
Before you apply, read OCBC Bank's official terms & Product Disclosure Sheet — the cashback caps, category exclusions and fees are all set out there.
📄 Official OCBC 90°N Visa Cardterms & product disclosure →OCBC 90°N Visa Card FAQ
You need a minimum annual income of RM60,000 (about RM5,000 a month). OCBC Bank also considers your overall credit standing.
No — the OCBC 90°N Visa Card is free for life with no annual fee.
It earns 1 reward point per RM1 spent. 1 Travel$ 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". With no annual fee, there's little downside to holding it. 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.