OCBC 90⁰N Visa Card

Today’s Travel$,
Tomorrow’s Travels
for the Adventurous Globetrotter.
Travel the world with OCBC 90⁰N Visa Card, your faithful travel companion that keeps earning Travel$ for your next holiday, every single time you spend. Bon Voyage!
Features
Earn Travel$*
Earn Travel$* anytime, anywhere 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
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

Up to RM1 million travel insurance
Death and permanent disablement coverage for up to RM1 million

No Annual Fees for the First Year***
Principal card: RM288 per annum
Supplementary card: RM88 per annum

*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 2023.
Eligibility
Age
21 and above
Annual income
Minimum RM72,000 per annum
Note: Application for OCBC 90°N Visa Card is currently open to selected OCBC Bank customers only. Approval of application for OCBC 90°N Visa Card is subject to review and at the sole discretion of OCBC Bank.
How to redeem Travel$
Mobile
Banking
Internet
Banking
Step 1
For existing Internet Banking users, please log in to your account to continue.

For new Internet Banking users, please activate your Internet Banking to redeem your Travel$.
Step 2
Under “What you owe (Liabilities)”, click on the OCBC 90⁰N Visa Card’s “Details/Transactions” link.
Step 3
Convert your Travel$ as cashback by keying in the cashback amount and clicking "Redeem".
Note: To redeem Travel$, a minimum 5,000 Travel$ (worth RM10) earned is required with at least one travel spend within the past 12 months.
Step 4
Review and confirm the redemption by clicking “Submit”.
Step 5
You will receive an SMS or Push Notification upon successful Travel$ redemption.
Step 1
Launch the OCBC Malaysia Mobile Banking app and log in to your account.
Do not have the OCBC Malaysia Mobile Banking app yet? Download now.
Step 2
Under “What you owe”, select OCBC 90⁰N Visa Card.
Step 3
Under “Card details” tab, click on the Travel$ redemption section.
Step 4
Key in the cashback amount and click “Redeem cashback”.
Note: To redeem Travel$, a minimum 5,000 Travel$ (worth RM10) earned is required with at least one travel spend within the past 12 months.
Step 5
Review and confirm the redemption. Slide to redeem cashback.
Step 6
You will receive an SMS or Push Notification upon successful Travel$ redemption.
Enjoy welcome bonus of 5,000 Travel$, discounts and other rewards!
Interested?
Drop us your contact details and we will be in touch soon.
Enter your contact details

Frequently Asked Questions
1.
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.
2.
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.
3.
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)
(i) Local and overseas/foreign currency purchase (i) Easy Payment Plan (EPP)
(ii) Auto Debit/Recurring (ii) Balance Transfer (BT)
(iii) E-commerce/Online Purchases (iii) Call for Cash (CFC)
(iv) Instalment Payment Plan (IPP) (iv) Outstanding Balance
(v) Mail Order/Telephone Order (v) Cash Advance
(vi) Finance Charge
(vii) Annual Fee
(viii) Late Payment Charge
(ix) Reversal on Transaction
(x) Disputed Transaction
(xi) Fraudulent Transaction
(xii) Card Replacement Fee
(xiii) Service Tax
(xiv) Other Fees and Charges
(xv) Donations to Charitable and Social Service Organisations
(xvi) Government-related payments
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.
4.
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.
5.
What happens to my Travel$ earned if I return, cancel or make changes to the purchase of any items charged to my OCBC 90⁰N Visa Card?
The refund or cancellation of the purchases will be processed according to the prevailing rules and practices, and the corresponding Travel$ earned will be deducted accordingly using the current conversion rate. In the event there is insufficient Travel$ balance for deduction, the cash equivalent of the shortfall will be charged to the OCBC 90°N Visa Card account using the current redemption rate, as illustrated below :

Illustration A
Mr. Customer A makes a local purchase of RM300 on 1 June 2022 and earns Travel$ as illustrated in the Table below:
Opening Travel$ Balance
Purchased item (RM) and Travel$ earned
Closing Travel$ Balance
0 Travel$ RM300 local spend = 300 Travel$ earned 300 Travel$


On 3 June 2022, Mr. Customer A makes a redemption of 200 Travel$ and subsequently returns the purchased item on 30 June 2022. Upon the completion of the refund, his Travel$ is deducted according to the current conversion rate. However, as Mr. Customer A has insufficient Travel$ balance to be deducted, the cash equivalent of the shortfall will be charged to his OCBC 90⁰N Visa Card account as illustrated in the Table below:
Opening Travel$ Balance
Travel$ to be deducted for return of purchased item
Closing Travel$ Balance
Shortfall charged to OCBC 90⁰N Visa Card account
100 Travel$
(after redemption)
RM300 refunded = 300 Travel$ to be deducted 0 Travel$ (100 Travel$ - 300 Travel$) x current redemption rate = RM0.40


Illustration B
Mr. Customer B makes a purchase of RM300 on 1 October 2022 and earns Travel$ as illustrated in the Table below:
Opening Travel$ Balance
Purchased item (RM) and Travel$ earned
Closing Travel$ Balance
0 Travel$ RM300 spend = 300 Travel$ earned 300 Travel$


On 5 October 2022, Mr. Customer B returns the purchased item. Upon the completion of the refund, his Travel$ is deducted according to the current conversion rate, as illustrated in the Table below:
Opening Travel$ Balance
Travel$ to be deducted for return of purchased item
Closing Travel$ Balance
Shortfall charged to OCBC 90⁰N Visa Card account
300 Travel$ RM300 refunded = 300 Travel$ to be deducted 0 Travel$ N/A
6.
What can I redeem with my available Travel$?
Every Travel$ can be redeemed for the Ringgit Malaysia cashback equivalent at a redemption rate as determined by OCBC. OCBC will give twenty one (21) days prior notice to the Cardmembers for any revision in the redemption rate.

You may access OCBC Internet Banking or the OCBC Malaysia Mobile Banking app to redeem the Travel$ earned and credit the cashback equivalent amount to your OCBC 90⁰N Visa Card account, provided that you or a supplementary Cardmember have legitimately purchased any travel-related items under the categories defined in Table 3 below in the past 12 months using the OCBC 90⁰N Visa Card (“Travel Spending”):
TABLE 3
Travel Spending
Merchant Category Code (“MCC”)
Remarks
Airlines and Air Carriers 3000 – 3299, 4511
Car Rental Agencies 3300 – 3441, 7512
Lodging – Hotels, Motels, Resorts 3501 – 3838, 7011, 7012, 7033
Passenger Transportation 4111, 4112, 4121, 4131, 4411, 4457, 4784, 4789 Includes Ferries, Taxicabs and Limousines, Bus Lines, Passenger Railways, etc.
Travel Agencies & Tour Operators 4722, 4723 Includes Charter Buses, Tour Buses, Tour Operators, Travel Packages, etc.
Tourist Attractions & Exhibits 7991, 7996, 7998 Includes Amusement Parks, Museums, Aquariums, Zoos, Exhibits, etc.
Excludes Recreation Services such as Golfing, Skiing, Sky Diving, Horseback Riding, etc.
Note: The travel-related items purchased under the MCC listed out above will be reflected in your OCBC Internet Banking or the OCBC Malaysia Mobile Banking app as Travel Spending upon settlement of the purchases made. Travel-related items purchased via DuitNow QR or FPX Payment are excluded from the MCC listed out above and will not constitute Travel Spending. Travel Spending also excludes e-wallet top-up transactions.

Redemption of Travel$ must be made with a minimum cashback equivalent of RM10. Any redemption made without the minimum RM10 cashback equivalent of the Travel$ and without any Travel Spending in the past 12 months will not be eligible.
7.
When will I get my Travel$ redemption?
The cashback equivalent of the redeemed Travel$ will be credited into your OCBC 90⁰N Visa Card account within three (3) days from the date the redemption is made. The cashback equivalent for the amount will be reflected in the monthly statements that follows after the date the redeemed Travel$ is credited.
8.
What happens to my Travel$ balance if I replace or cancel my card?
In the event of a replacement of your OCBC 90°N Visa Card, the Travel$ balance will be carried over to the new card. However, you will need to activate the new OCBC 90°N Visa Card with a minimum of one transaction charged to the new card to be eligible to redeem Travel$, provided that you redeem with a minimum RM10 cashback equivalent and have done some Travel Spending in the past 12 months.

Upon OCBC 90°N Visa Card cancellation and card account closure, all Travel$ balances will be forfeited.
9.
How many complimentary access benefits do I get to the KLIA and klia2 Plaza Premium Lounge?
Two (2) complimentary access benefits to Plaza Premium Lounges (“Complimentary PPL Access”) in KLIA and klia2 are provided to all new principal and supplementary Cardmembers during the first year of membership. Thereafter, the complimentary PPL Access will be availed to principal and supplementary Cardmembers on an annual basis subject to the principal and supplementary Cardmember’s meeting the following criteria respectively:
Minimum Total Aggregate Retail Spending in Preceding Year
PPL Access in a Year
RM30,000 Two (2)
Note: The year follows the Cardmembers’ OCBC 90°N Visa Card membership year.
10.
Can I share my complimentary access benefits with another accompanying guest?
Yes, you can share the two (2) complimentary access benefits between yourself and one accompanying guest (OCBC 90°N Visa Cardmember must be present upon entry). You are only allowed to use one complimentary access per person, per visit and per day. Any additional accompanying guest(s) will receive a 25% discount on the prevailing rate, regardless of the number of guests. You will need to present your OCBC 90°N Visa Card and valid boarding pass (with matching Cardmember name) upon entry to the Plaza Premium Lounge.
11.
What is the travel insurance about and how am I entitled to it?
This travel insurance is a personal accident insurance with coverage of up to RM1 million. To be entitled to it, you must charge the full airfare to your OCBC 90⁰N Visa Card.
Full Frequently Asked Questions
Terms and Conditions apply
Group Policy
Certificate of Insurance



Important Notes:
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 OCBC Cardmember’s Agreement.


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