From 22 August- 30 September 2020, the top 10 spenders on the OCBC 90°N Card will win prizes including an S$1,800 Resorts World Sentosa Staycation Package, set dinners at Michelin Starred table65, and S$100 of Takashimaya vouchers.
No registration is required for this promotion, and all cardholders are automatically eligible to win.
OCBC 90°N Spending Promotion
The top 10 OCBC 90°N cardholders with the highest spending from 22 August to 30 September 2020 will win prizes as follows:
| Ranking | Reward |
| 1st | 1x Resorts World Sentosa Stay and Play Package (the “Staycation Package”), which includes: 2-night stay at Resorts World Sentosa hotel (choice of Hotel Michael/Hard Rock Hotel/Festive Hotel, subject to availability), inclusive of daily breakfast for 2 pax, 2 x Universal Studios Singapore One-Day Ticket, 2 x S.E.A. Aquarium One-Day Ticket |
| 2nd-6th | 1x table65 Set Dinner for 2 people |
| 7th-10th | S$100 of Takashimaya vouchers |
Supplementary cardholder spending will be aggregated with principal cardholder spending for the purposes of this promotion, and each eligible cardholder can win a maximum of one gift.
Winners will be notified via SMS by 31 October 2020. The full T&C can be found here.
What spending is eligible?
Eligible spending refers to any retail transaction and excludes payments made to the following MCCs:
- Charitable/ religious organizations (MCC: 8398, 8661)
- Real estate agents and managers (MCC: 6513)
- Utilities (MCC: 4900)
- Trading Platforms (MCC: 6211, 6051)
- Government institutions and services (MCC: 9399, 9211, 9222, 9223, 9311, 9402
and 9405) - Insurance Underwriting, Premiums (MCC: 6300, 6399, 5960)
- Prepaid accounts/ prepaid card (MCC: 6540)
- Education (MCC: 8211, 8220, 8241, 8244, 8249, 8299)
- Gambling (MCC 7995)
- Parking Lots, Parking Meters and Garages (MCC: 7523)
- Nondurable Goods (MCC: 5199)
- Wire Transfer Money Orders (WTMOs) (MCC: 4829)
- Financial Institutions – Merchandise, Services, and Debt Repayment (MCC: 6012)
- Political Organizations (MCC: 8651)
- Banks – Manual Cash disbursement/Automated Cash Disbursement (MCC: 6010,
6012) - Cleaning, Maintenance and Janitorial Services (MCC: 7349)
- Tolls and Bridge Fees (MCC: 4784)
- Cigars Stores and Stands (MCC: 5993)
- Automobile Associations (MCC: 8675)
- Labor Union (MCC: 8699)
Certain transport and hospital transactions will also be excluded, as per the new T&Cs that OCBC introduced on 1 June 2020:
- Transactions under Transportation and Tolls MCC 4111/4121/4131 except for
transactions with Grab Transport, Gojek and licensed taxi operators (including,
without limitation, Comfort/Citycab/ Transcab/ SMRT Taxi/ Premier Taxi/ Prime
Taxi/ HDT Taxi) - Transactions to Singapore Government Public Hospitals including Non-Profit
Hospitals, Community Hospitals and Polyclinics under the MCC 806
If you’re wondering which hospitals count as non-profit or community, here’s a list I put together from the “best credit card for hospitals” guide:
| Acute | Community | |
| Public | 1. Alexandra Hospital | 1. Bright Vision 2. Jurong Community 3. Outram Community 4. Sengkang Community 5. Yishun Community |
| Not-for-Profit | 1. Mount Alvernia | 1. AMK- Thye Hua Kwan Hospital 2. Ren Ci Community 3. St Andrew’s Community 4. St Luke’s |
| Private | 1. Concord International 2. Farrer Park 3. Gleneagles 4. Mount Elizabeth 5. Mount Elizabeth Novena 6. Parkway East 7. Raffles Hospital 8. Thomson Medical Centre |
Any transaction made to a private hospital or clinic will qualify.
Gift details
The staycation package can be redeemed at your choice of Hotel Michael, Hard Rock Hotel or Festive Hotel, on any day except 30 & 31 December 2020. A minimum of 7 working days advance reservation must be made.
The set dinner at table65 has a validity of six months, and cannot be used on public holidays and eve of public holidays. A minimum of 7 days advance reservation is required.
Conclusion
There’s no knowing for sure how much you’ll need to spend to be in the top 10, but if you fancy trying your luck, then be sure to divert your spending accordingly for this period.
Of course, you’ll also need to take into account the opportunity cost of participating- the OCBC 90°N Card earns 1.2/2.1 mpd on local/overseas spending, decent enough but not the best possible rate. Also remember that spending is now rounded down to the nearest S$5, which penalizes you on smaller ticket transactions.
