OCBC 90⁰N Visa Card

What is the OCBC 90°N Visa Card?

The OCBC 90°N Visa Card is a travel rewards credit card designed for people who travel regularly or spend in foreign currencies. Instead of cashback, the card rewards eligible spending with Travel$, which can be redeemed through OCBC's travel rewards programme for eligible travel-related rewards.

You'll earn a higher Travel$ rate on eligible overseas retail spending and online purchases made in foreign currencies, while also enjoying travel benefits such as complimentary airport lounge access and travel insurance when you charge your full airfare to the card.

How You Earn Travel$

Every eligible retail purchase earns Travel$ that can be used for travel-related redemptions through OCBC's rewards programme.

Eligible local retail spending earns 1 Travel$ per RM1, while overseas retail spending and online purchases made in foreign currencies earn 5 Travel$ per RM1. Travel$ are awarded after the transaction is posted to your account, and each transaction is rounded down to the nearest Ringgit Malaysia when calculating the number of Travel$ earned.

Travel$ remain valid for five years, giving you flexibility to accumulate rewards before redeeming them.

Redeeming Your Travel$

Travel$ can be redeemed through OCBC Internet Banking or the OCBC Malaysia Mobile Banking app for eligible rewards available under the OCBC 90°N Travel Rewards Programme.

As Travel$ remain valid for five years, you can continue accumulating rewards over multiple trips before making a redemption.

Travel Benefits

The OCBC 90°N Visa Card includes travel benefits designed to make your journeys more rewarding.

New cardholders receive two complimentary Plaza Premium Lounge visits during their first membership year. From the second membership year onwards, you'll continue to receive two complimentary lounge visits each membership year when you spend at least RM30,000 on eligible retail transactions during the preceding membership year. The complimentary visits can also be shared with one accompanying guest, subject to the programme's terms and conditions.

When you charge the full airfare for your trip to the card, you'll also enjoy complimentary travel insurance of up to RM1 million, subject to the policy's terms and conditions.

Cardholders can also enjoy exclusive Visa travel, dining, shopping, and lifestyle privileges offered by participating merchants.

Fees and Charges

The principal and supplementary cards enjoy a first-year annual fee waiver.

• Annual fee (principal): RM288 per year. Waived in the first year.
• Annual fee (supplementary): RM88 per year. Waived in the first year.
• Government service tax: RM25 per card upon activation and every anniversary thereafter.
• Cash advance: Interest is charged at18% p.a.from the transaction date, together with a cash advance fee of5% of the amount withdrawn or RM20, whichever is higher.
• Minimum monthly payment: The higher of RM50 or 5% of your new balance plus 100% of any contracted instalment amounts, including instalment plans and balance transfers.
• Late payment fee: 1% of your outstanding retail and cash advance balance, or RM10, whichever is higher, capped at RM100.
• Overseas transaction fee: 1.00% on top of the Visa currency conversion rate.

Eligibility Requirements

To apply for the OCBC 90°N Visa Card, you must:

• Be at least 21 years old.
• Earn a minimum annual income of RM60,000.

Required Documents

The documents you'll need depend on your employment status. If OCBC is unable to verify the documents you've submitted, it may request additional supporting documents before processing your application.

Salaried employees at multinational companies, publicly listed companies, government-linked companies, or government agencies

• MyKad (front and back), or passport with a valid work permit for foreigners.
• Latest one month's salary slip (fixed income), or latest three months' salary slips (variable income).

Alternatively:

• Latest EPF statement with at least three months' contributions.
• Latest Borang B/BE or e-Filing with proof of tax payment.

Salaried employees at other companies

• MyKad (front and back), or passport with a valid work permit for foreigners.
• Latest three months' salary slips.
• Latest three months' supporting bank statements.

Alternatively:

• Latest EPF statement with at least three months' contributions.
• Latest Borang B/BE or e-Filing with proof of tax payment.

Self-employed applicants (more than two years in the current business)

• MyKad (front and back), or passport with a valid work permit for foreigners.
• Form 24/29/49.
• Business Registration certificate or printout from SSM, CTOS, or CBM.
• Latest Borang B/BE or e-Filing with proof of tax payment.

Depending on your income:

• Six months' salary slips and supporting bank statements (except sole proprietors).
• Six months' principal business bank statements (shareholding above 50%).
• Latest EPF statement with at least three months' contributions (except sole proprietors).

Commission earners

• MyKad (front and back), or passport with a valid work permit for foreigners.
• Six months' commission statements and supporting bank statements.

Great Eastern agents should instead submit an HR confirmation letter together with their latest Borang B/BE or e-Filing with proof of tax payment.

Foreigners and Malaysians working overseas

• Salaried applicants: latest three months' salary slips and supporting bank statements, or CPF statement (Singaporeans and Malaysian PRs in Singapore), plus a valid work permit or Permanent Resident ID.
• Self-employed applicants: latest tax assessment from the country of employment, plus a valid work permit or Permanent Resident ID.

How to Apply

If you meet the eligibility requirements, prepare the required supporting documents before submitting your application.

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