Best OCBC Miles Credit Cards in Singapore: 2025

OCBC has some of the most competitive credit cards in Singapore for earning travel rewards. With the OCBC 90°N, OCBC Voyage, and OCBC Premier Visa Infinite, cardholders can get a little extra with their everyday spend by racking up points, which can be converted into miles and other perks.

This guide compares the top OCBC travel credit cards available in 2025 to help you decide which one best matches your spending style and travel goals. We’ll also introduce the Wise card, a handy travel companion to make seamless card payments when you’re overseas.

What to look out for when choosing a credit card for miles

If you’re specifically thinking of using a credit card to convert OCBC points (OCBC$) to Krisflyer miles, or for miles with another airline partner, you’ve got a few great options. Rewards can also be redeemed for other perks and benefits, offering flexibility for different customer needs.

Before you choose the card for you, it can pay to examine the OCBC miles credit card conversion rates so you’ll know you’re getting the best rewards available. You’ll also need to check out:

• Minimum income requirements - which can vary depending on whether you’re a Singapore citizen, PR, or a foreigner
• Annual fees - particularly the annual fee, which ranges from 98.10 to 498 SGD
• Foreign transaction charges - at 3.25% when applied, these fees push up the costs of spending when you travel
• Other perks and benefits, like lounge access, cash back, and discounts

If you're interested in getting the most out of your spending, you can find a guide to the best credit cards for miles here.

Best OCBC Miles credit card in Singapore

OCBC offers a range of different credit cards tailored to different spending habits and travel.

In this section, we’ll look at three cards in detail: OCBC 90°N Card, OCBC Voyage Card, and OCBC Premier Visa Infinite. We’ll look at who the card is best for, and cover some of the main features and perks, including how many miles you can earn. This will hopefully give you a better understanding of which card might best suit your travel lifestyle and spending habits.

Here’s a quick overview of the three OCBC cards:

OCBC 90°N Card

Best for: Everyday travellers seeking flexible miles rewards

The OCBC 90°N card1 is great for frequent travellers who make lots of online bookings and who want high miles earn rates and versatile rewards². For example, you can earn up to 7 miles for every $1 spent on travel with Agoda. There are no monthly caps on miles earned (“unlimited”), and they never expire, giving you freedom to pick and choose when to convert.

• Minimum annual income - $30,000 for applicants aged 21 to 54, $15,000 for applicants aged 55+, $45,000 for foreigners
• Annual fee - $196.20, waived for first year and with $10,000+ spend
• Miles earning rate - 2.1 miles in foreign currency, 1.3 miles locally for every $1 spent
• Minimum spend - $5 per transaction to start earning miles, $10,000 per year to waive the annual fee
• Foreign transaction fee - 3.25%

There aren’t currently any miles bonuses when signing up, but you can get a free suitcase worth $349. Perks are plentiful, though. You get VIP airport lounge visits through the DragonPass program, plus data roaming with Flexirian and several other travel and dining discounts. The offers refresh every quarter.

OCBC Voyage Card

Best for: Affluent flyers valuing mile flexibility and luxury perks

OBCC promotes the Voyage Card⁴ as “made for exceptional living.” It’s targeted at affluent travellers who want to rack up miles while enjoying luxury experiences (fine dining, events, wellness, etc.) and perks. Unlike traditional credit cards that earn OCBC$, this card accumulates VOYAGE Miles (VM), which do not expire. These can be redeemed as air miles with partner airlines at any time or as cash rebates. Currently, you can exchange for KrisFlyer miles 1:1.3

• Minimum annual income - $120,000
• Annual fee - $498
• Miles earning rate - 2.2 miles in foreign currency, and 1.3 miles locally for every $1 spent
• Minimum spend - $5 per transaction to start earning miles
• Foreign transaction fee - 3.25%

While there isn’t a specific sign-up bonus, you do get 15,000 miles immediately after paying the $498 annual service fee. This offer is valid each time you pay the fee, in year 2 and beyond. Cardholders also get exclusive access to concierge services and ‘unlimited’ airport lounge privileges, plus a rotating “exclusive promotion.”

OCBC Premier Visa Infinite

Best for: OCBC Premier Banking customers wanting exclusive perks

The OCBC Premier Visa Infinite⁶ is an exclusive card for OCBC Premier Banking customers. The rewards program is very versatile — you can choose between earning standard OCBC$ or opting for straight cashback if you’re not a fan of miles cards or rebates⁵. There’s a very generous OCBC$ earn rate, though, and you get multiple luxury perks and benefits.

• Minimum annual income - $30,000 for Singapore citizens and permanent residents, $60,000 for non-citizens
• Annual fee - $0
• Miles earning rate - 28 OCBC$ in foreign currency, 16 OCBC$ locally for every $5 spent
• Minimum spend - $5 per transaction to start earning OCBC$
• Foreign transaction fee - 3.25%

There are no sign-up bonuses with the Premier Visa Infinite. But you do access complimentary visits to up to 1,400 airport lounges with DragonPass, a luxury airport transfer service which lets you make bookings around the clock when in select cities in Asia, and a premium concierge service.

There are discounts and offers, too. Currently, you can get fuel discounts at Sinopec, Caltex, and Esso. OCBC also says you can “maximise rewards” by signing up for a CardUp account and using your Premier Visa Infinite card to pay for things like income tax, insurance, and car loans.

👀 Looking for a travel card to maximise your overseas spending? See how Wise compares with other multi-currency cards like Revolut and Youtrip in Singapore.

💳 Click here to order a Wise card

OCBC Credit Card Miles Conversion

OCBC credit cards don’t award air miles directly to your account. Instead, you earn OCBC$ reward points on your spending, which can then be converted into miles with select frequent flyer programs. One of the most popular choices for Singapore cardholders is KrisFlyer miles3. But the 90°N card, for example, is compatible with 6 airlines and 3 hotel chains.

With KrisFlyer, the conversion rate is fixed: you can currently turn 25,000 OCBC$ into 10,000 KrisFlyer Miles. Always check with the specific frequent flyer or hotel program to get the most up-to-date conversion rates and blocks for your OCBC miles.

How to earn OCBC miles (OCBC$)

You can earn OCBC miles with all “retail spending" charged to your OCBC credit card. You’ll get 1 OCBC$ for every $1 spent. The amount is calculated daily based on your transactions. There are a few exclusions, though. OCBC says any interest charges, cash advances, bill payments, and balance transfers are among the transactions that won’t count towards earning miles.

How do I convert OCBC$ to miles?

To convert OCBC$ to miles, you first need to log into your OCBC bank account online and then click through to the KrisFlyer miles Redemption Registration tab. Here, you can enter your KrisFlyer membership details, which will link your account. You’ll then be able to use the OCBC Reward page to convert OCBC$ to miles.

Most OCBC cards also let you turn your OCBC$ miles into offers at the STACK marketplace, where you can get hotel loyalty points, vouchers, and deals, and airline miles with other partners like Cathay Pacific and British Airways Executive Club.

How do I redeem OCBC 90°N miles?

OCBC 90N miles are exclusive to the OCBC 90N credit card and can’t be accrued elsewhere. The easiest way to redeem miles using this card is by, again, navigating to the OCBC Rewards page, where you filter through a “Rewards Catalogue” list. OCBC says you can also redeem miles through internet, phone, and mobile banking services.

How much is the conversion fee for OCBC miles?

OCBC charges a $25 conversion fee for every conversion request. This applies regardless of block size. For this reason, it’s best to convert points into larger amounts to reduce the relative cost. However, you can redeem air miles in blocks as little as 1,000 miles with the 90°N card.

Travelling soon? Bring the Wise card along to maximise your foreign currency transactions

Miles credit cards are a good way to earn rewards for your everyday spending, letting you redeem those miles for future travel. However, be mindful of foreign transaction fees, which can increase the cost of your overseas spending.

The Wise card lets you spend in 40+ currencies at the mid-market rate including MYR, JPY, CNY, and USD so you know you'll be getting a great deal in over 150+ countries. Simply create a free Wise account, order a card and top-up SGD to get started.

Virtual cards are free and can be added to your Google or Apple Pay wallet, while a physical Wise card can be ordered for a low fee of 8.50 SGD. Having a physical Wise card allows you to make chip and pin payments, as well as 2 free ATM withdrawals to the value of 350 SGD each month, before low fees start.

While abroad, you can choose to spend with directly in SGD and let auto-conversion do the trick, or convert to your desired currency with your Wise account. Either way, you’ll get the exchange rate you see on Google, with low, transparent fees from 0.26%.

💳 Get your Wise card