OCBC 90°N Card offering 26,000 bonus miles and free luggage

OCBC has launched a new sign-up promotion for the OCBC 90°N Card, which offers new-to-bank cardholders 26,000 bonus miles plus a Delsey luggage with a minimum spend of just S$600.

If this sounds familiar, it’s because the OCBC Rewards Card has a virtually identical offer, so ultimately, it boils down to which card you prefer. 

In my opinion, the OCBC 90°N Card started life brilliantly, but since then has declined into a mediocre general spending card. Its main advantage now is that miles don’t expire, and can be converted in blocks of 1,000 — far less than the 10,000 miles blocks required by most competing cards.

So I’d personally rather go for the OCBC Rewards Card instead, but for the sake of completeness I’ll run through the details of this offer too.

OCBC 90°N Card welcome offer

The OCBC 90°N Card’s welcome offer is valid for applications submitted from 25 March to 30 June 2026 (with approval by 30 July 2026) by new-to-bank cardholders, defined as those who:

• Do not currently hold a principal OCBC credit card, and
• Have not cancelled a principal OCBC credit card in the past 12 months

Cardholders who meet the minimum spend will receive the following gifts.

The Disney premium gift is a Mandalorian duffel bag and luggage tag, but it’s only available while stocks last. On the other hand, the Delsey luggage and 26,000 90°N Miles are guaranteed so long as you meet the qualifying criteria.

When will the gifts be credited?

For the Delsey luggage and 26,000 90°N Miles, eligible customers will be notified through email and/or SMS within five months after the promotion period ends, i.e. 30 November 2026. 

What counts as qualifying spend?

Qualifying spend for the welcome offer includes both SGD and FCY retail spend, whether online or offline.

A full list of transactions that do not qualify can be found in the T&Cs, at sections 1.4-1.6.

I’ve highlighted a few noteworthy categories below:

• Bus and MRT rides paid through SimplyGo
• Charitable Donations
• Education
• GrabPay Top-Ups
• Government Services 
• Insurance Premiums
• Non-Profit and Government Hospitals
• Real Estate Agents & Managers

Terms & Conditions

The T&Cs of this offer can be found here.

What can you do with 90°N Miles?

90°N Miles can be transferred to nine airline and hotel programmes at the following ratios.

Frequent Flyer Programme	Conversion Ratio (90°N Miles : Miles)
	1,000 : 1,000
	1,000 : 1,000
	1,000 : 1,000
	1,000 : 1,000
	1,000 : 900
	1,000 : 750
	1,000 : 700
	1,000 : 700
	1,000 : 500

However, given the conversion ratios, not all programmes offer good value. In general, I would only consider transferring 90°N Miles to KrisFlyer, Air France-KLM Flying Blue, and Accor Live Limitless.

 Regarding the minimum conversion blocks:

• Transfers for KrisFlyer miles must be in blocks of 1,000 90°N Miles (1,000 miles)
• Transfers for all other programmes must be a minimum of 1,000 90°N Miles (500-1,000 miles/points), but subsequent conversions can be in blocks of 100 90°N Miles (50-100 miles/points)

A S$25 fee applies to all conversions.

Overview: OCBC 90°N Card

Income Req.	S$30,000 p.a.	Points Validity	No expiry
Annual Fee	S$196.20 (FYF)	Min. Transfer	1,000 90°N Miles (1,000 miles)
FCY Fee	3.25%	Transfer Fee	S$25
Local Earn	1.3 mpd	Points Pool?	Yes
FCY Earn	2.1 mpd	Lounge Access?	No
Special Earn	7 mpd on Agoda	Airport Limo?	No
Cardholder Terms and Conditions

The OCBC 90°N Card offers 1.3 mpd on local spending, and 2.1 mpd on FCY spending. 

Historically, there were big differences between the two versions; the Visa had lower general spend rates, but enjoyed a bonus (insofar as 1.5 mpd can be called a bonus) on groceries, online food delivery and shopping. The Mastercard has higher general spend rates, but lacked a bonus category. That’s no longer the case from early 2023, with the two cards now offering exactly the same value proposition. 

Cardholders do not enjoy any lounge access, but the 90°N Mastercard is eligible for a complimentary 3x 1GB 5-day FlexiRoam data plan per calendar year. 

Check out my full review below.

Review: OCBC 90°N Card

Conclusion

The OCBC 90°N Card is now offering 26,000 bonus miles and a Delsey luggage for new-to-bank cardholders who complete a minimum spend of just S$600. This is a very decent offer, but it’s also available with the OCBC Rewards Card, which strikes me as a more compelling product overall.