OCBC 90⁰N Visa Credit Card | OCBC Malaysia

OCBC 90⁰N Visa Card

Today’s Travel$,
Tomorrow’s Travels
for the Adventurous Globetrotter

Why you will love this

Earn 1 Travel$ for every RM1 of local spend and 5 Travel$ for every RM1 of overseas spend

Get 2x complimentary access in KLIA/klia2 in the first year**

Get up to RM1 million travel insurance

No annual fees for the first year***

Who can apply

Anyone 21 years old and above

Must have an annual income of at least RM60,000

 

Apply for the OCBC 90°N Visa CardGreater travels and exciting rewards await!

Earn Travel$ each time you spend to save for your next travels with OCBC 90⁰N Visa Card.

FEATURES AND BENEFITS

Earn Travel$*

Earn Travel$* when you spend on daily expenses and save for your next travels:

LOCAL RETAIL SPENDING
RM1 = 1 Travel$

OVERSEAS RETAIL SPENDING
RM1 = 5 Travel$

Earn Travel$* when you spend on daily expenses and save for your next travels:

LOCAL RETAIL SPENDING
RM1 = 1 Travel$

OVERSEAS RETAIL SPENDING
RM1 = 5 Travel$

Easy Travel$ redemption

Go online via OCBC Internet Banking or the OCBC Malaysia Mobile Banking app to redeem your Travel$ as Cashback on anything.
Learn how to redeem Travel$ here.

Go online via OCBC Internet Banking or the OCBC Malaysia Mobile Banking app to redeem your Travel$ as Cashback on anything.
Learn how to redeem Travel$ here.

Complimentary Plaza Premium Lounge access**

2x complimentary access in KLIA/klia2 in the first year, where you may share with an accompanying guest.

2x complimentary access in KLIA/klia2 in the first year, where you may share with an accompanying guest.

Up to RM1 million travel insurance

Death and permanent disablement coverage for up to RM1 million

Death and permanent disablement coverage for up to RM1 million

No Annual Fees for the First Year***

Principal card: RM288 a year
Supplementary card: RM88 a year

Principal card: RM288 a year
Supplementary card: RM88 a year

* Travel$ is valid for 5 years.
** Annual renewal of 2X complimentary access with a minimum total retail spend of RM30,000 p.a.
*** For first-time OCBC Credit Card customers and those who have not held any OCBC Credit Cards in the last 12 months.
Valid till 31 December 2024.

CURRENT PROMOTION
Spend your way to a Kyoto getaway, Apple Watches and more!

Get a chance to win a trip for 2 to Kyoto, an Apple Watch Series 9 and more when you apply or spend with OCBC cards.

Promotional Period: 15 May 2024 – 14 August 2024.

Find out more 

BEFORE YOU APPLY

Eligibility requirements

Minimum age

21 years old

Annual income

Minimum RM60,000 per annum


Fees and charges

Principal card

RM288 a year (waived for first year***)

Supplementary card

RM88 a year (waived for first year***)

Product disclosure sheet


Required documents

Multinational company, Public listed company, Government linked company, Government servant

  • Photocopy of MyKad (both sides) or passport (for foreigner) with working permit validity of at least 12 months
  • Latest 1 month salary slip for fixed income / 3 months salary slips for variable income; OR
  • Latest EPF statement with at least 3 months contributions; OR
  • Latest Borang B/BE/e-filing with proof of tax payment

Non-multinational company, Non-public listed company, Non-government linked-company

  • Photocopy of MyKad (both sides) or passport (for foreigner) with working permit validity of at least 12 months
  • Latest 3 months salary slips AND 3 months supporting bank statements OR EPF statement
  • Latest EPF statement with at least 3 months contributions; OR
  • Latest Borang B/BE/e-filing with proof of tax payment

Self-employed (more than 2 years with/in current business)

  • Photocopy of MyKad (both sides) or passport (for foreigner) with working permit validity of at least 12 months
  • Form 24/29/49;
  • Business Registration certificate/print out from SSM/CTOS/CBM;
  • With salary slip (except sole proprietor)
    6 months salary slips AND 6 months supporting bank statements
  • Business bank statement (shareholding must be > 50%)
    6 months principal bank statements
  • EPF statement (except sole proprietor)
    Latest EPF statement with at least 3 months contributions

Commission Earner (full commission earner without basic salary)

  • Photocopy of MyKad (both sides) or passport (for foreigner) with working permit validity of at least 12 months

Non-Great Eastern (GE)

  • 6 months commission statements with 6 months supporting bank statements

Great Eastern (GE)

  • GE HR confirmation
  • Latest Borang B/BE/e-filing with proof of tax payment

Foreigner/Malaysian working abroad

Salaried/Employed

  • Latest 3 months salary slips AND supporting bank statements; OR
  • CPF statement for Singaporean and Malaysian with Singapore PR; OR
  • Valid work permit if employment is not in home country; OR
  • Permanent Residential ID (for Singapore PR)

Self-employed

  • Latest Tax Assessment from specific country; AND
  • Valid work permit/Permanent Residential ID requirement as per salaried above


Important notices

Notices

OCBC Bank (Malaysia) Berhad merely provides payment convenience and disclaims all liabilities and obligations in respect of any products, services or representations by third parties. Usage of OCBC Credit Cards is subject to the terms and conditions in the OCBC Cardmember's Agreement.


how to redeem travel$
DOWNLOAD THE APP

Download the OCBC Malaysia Mobile Banking app

Launch the app and log in to your account to get started.

OCBC Malaysia Mobile Banking

or call us at +603 8317 5000.

Monday to Friday 8am to 10pm
(Excluding public holidays)

FAQS
Common questions
See all questions
What can I get from my OCBC 90⁰N Visa Card?

You can earn Points (“Travel$”) on purchases legitimately charged to your OCBC 90⁰N Visa Card as shown in the table below. Each OCBC 90⁰N Visa Card transaction amount will be rounded down to the nearest Ringgit Malaysia or Ringgit Malaysia equivalent for purposes of computing the total number of Travel$ eligible for the transaction.

Table 1

Amount charged to the OCBC 90⁰N Visa Card Travel$
Every RM1 for Total Retail Spending done locally 1
Every RM1 equivalent in foreign currency for Total Retail Spending done overseas OR online transactions made in currency other than Ringgit Malaysia 5

Note: The Travel$ will be awarded upon settlement of the purchases made.

What is the maximum Travel$ limit I am entitled to every month and is there any expiry date for the Travel$?

There is no maximum Travel$ limit on your Total Retail Spending. The Travel$ is valid for five (5) years.

What is Total Retail Spending?

Total Retail Spending means the total amount of your retail spending including supplementary Cardmember’s retail spending. The table below shows you what transactions are retail spending and what are not.

Table 2

Retail Spending*
(Transactions below are included for Travel$ calculation)
Non-Retail Spending
(Transactions below are excluded for Travel$ calculation)
1. Local and overseas/foreign currency purchase 1. Easy Payment Plan (EPP)
2. Auto Debit/Recurring 2. Balance Transfer (BT)
3. Online Purchases/ e-wallet/ E-Commerce 3. Call for Cash (CFC)
4. Instalment Payment Plan (IPP) 4. Power Credit Cash Plus
5. Mail Order/Telephone Order 5. Outstanding Balance
  6. Auto Balance Conversion
  7. Cash Advance
  8. Finance Charge
  9. Annual Fee
  10. Late Payment Charge
  11. Reversal on Transaction
  12. Disputed Transaction
  13. Fraudulent Transaction
  14. Card Replacement Fee
  15. Service Tax
  16. Other Fees and Charges
  17. Donations to Charitable and Social Service Organisations
  18. Government-related payments
  19. Jompay, FPX and Duitnow QR transactions
  20. Any transactions made in the United Kingdom, or in the country which is a member of the European Economic Community (EEC) or European Union (EU) including Aland Islands, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, French Guiana, Germany, Gibraltar, Greece, Guadeloupe, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Netherlands, Poland, Portugal, Reunion, Romania, Saint Martin, Slovakia, Slovenia, Spain, Svalbard and Jan Mayen, Sweden, Iceland, Liechtenstein and Norway.

*Exclude transactions in countries specified in items (20) under Non-Retail Spending (including online/e-commerce transactions made to merchants tagged to the aforementioned countries)

Note: E-commerce and Online purchases are collectively known as “Online Purchases”. This refers to purchases made on an online merchant’s website or e-wallet top-up transactions and excludes transactions made for payments on OCBC Internet Banking.

How do I check my available Travel$ balance?

You can log into your OCBC Internet Banking or OCBC Malaysia Mobile Banking app to view your Travel$ balance. The available Travel$ balance is also reflected on your monthly billing statements.

See all questions