How to Apply for the OCBC 90N Credit Card Step-by-Step Guide
Are you ready to unlock a world of travel rewards and unparalleled convenience with the OCBC 90°N Credit Card? This popular credit card is designed to cater to Singaporeans who love to explore the globe while enjoying valuable perks along the way. The OCBC 90°N Credit Card offers remarkable benefits, such as earning travel miles faster than before and access to exclusive promotions worldwide.
Imagine a credit card that not only assists in everyday purchasing needs but also promises accelerated miles accrual for your next getaway. Whether it’s dining locally or shopping overseas, the miles quickly add up, bringing aviation dreams closer within reach. In addition, cardholders indulge in exclusive travel-related deals and comprehensive insurance coverage for peace of mind while traveling.
This guide will take you through the simple application process, equipping you with knowledge to make the most of this enticing credit card and embark on extraordinary adventures without delay.
Benefits of the OCBC 90°N Credit Card
1. Earn Reward Points on Every Purchase
The OCBC 90°N Credit Card offers you the opportunity to earn reward points with every purchase you make. Whether you’re buying groceries or paying for your next vacation, you can accumulate points that can be redeemed for a variety of rewards. Tip: To maximize your rewards, use your OCBC 90°N Credit Card for everyday expenses and consolidate your spending onto this card where possible.
2. Enjoy Travel Benefits
If you love to travel, the OCBC 90°N Credit Card can make your journeys more rewarding. It provides exclusive travel offers including discounts on flights and hotels, access to airport lounges, and travel insurance coverage. Tip: Before booking your travel arrangements, ensure to check the latest travel deals exclusive to OCBC 90°N cardholders for significant savings.
3. Flexible Payment Options
This credit card allows for flexibility in managing big expenses without stress. You can choose to pay your balance in full or take advantage of the installment payment plan for larger purchases. Tip: If you opt for installments, try to align your repayment period with your income schedule to avoid any late payment penalties.
4. Online and Contactless Convenience
With growing concerns about safety and convenience, the OCBC 90°N Card offers contactless payment options that facilitate quick and secure transactions. Además, manage your card and monitor your spending online seamlessly through OCBC’s digital platforms. Tip: Use contactless payments for day-to-day expenses to enhance security and speed up your checkout experience.
GET YOUR OCBC 90°N THROUGH THE WEBSITE
| Category | Key Features | Advantages | Requirements | Who Benefits |
|---|---|---|---|---|
| Digital Banking | Access via mobile app and online portal | Convenience for managing accounts anytime | Valid ID and a registered account | Tech-savvy individuals looking for ease of access |
| Rewards Program | Earn points for every spend | Opportunity to redeem for valuable rewards | Subject to minimum spending | Frequent spenders looking to maximize benefits |
| Flexibility in Payments | Choose between installment plans or full payment | Manage financial obligations with customization | Requires a good credit score | Borrowers needing financial flexibility |
| Competitive Interest Rates | Attractive rates for loans and deposits | Save money in the long run with lower costs | Subject to approval based on financial history | Cost-conscious borrowers and investors |
OCBC 90°N Credit Card Requirements
- Minimum Age Requirement: Applicants must be at least 21 years old to apply for the OCBC 90°N Credit Card. This ensures that applicants are of legal age to manage credit responsibilities.
- Minimum Income Requirement: For Singaporeans and Permanent Residents, a minimum annual income of S$30,000 is required. For foreign applicants residing in Singapore, the minimum annual income is typically S$45,000. This income criterion ensures that applicants have the financial capability to manage credit repayments.
- Credit Score: A good credit score is crucial. While specific scores are not disclosed by banks, having a positive credit history with disciplined repayment behavior increases approval chances. This indicates to the lender that the applicant is a responsible borrower.
- Documentation: Applicants need to provide valid identification documents, proof of income (such as recent payslips or tax assessment), and proof of residence. Accurate documentation speeds up the application process and aids in the bank’s verification.
- Citizenship/Residency: This card is mainly available to Singapore Citizens, Singapore Permanent Residents (PRs), and foreigners residing in Singapore. Meeting residency criteria is essential for eligibility.
GET YOUR OCBC 90°N THROUGH THE WEBSITE
How to Apply for the OCBC 90°N Credit Card
Step 1: Access the OCBC Website
To start your application for the OCBC 90°N Credit Card, head over to the official OCBC website. You can do this by simply typing “OCBC 90°N” into your preferred search engine and clicking on the link that leads you to the OCBC Credit Cards page. Once there, locate the 90°N Credit Card from the list of available cards.
Step 2: Review Eligibility and Requirements
Before you proceed with the application, ensure that you meet the necessary requirements. Typically, you need to be at least 21 years old. Verify your eligibility by checking income requirements and other conditions specific to residents in Singapore. It’s important to prepare the required documents, such as your identification card and income proof, as these will be crucial for a smooth application process.
Step 3: Fill Out the Application Form
Once you’ve confirmed that you are eligible, click on the “Apply Now” button on the OCBC website. You’ll be directed to an online application form where you need to provide personal information, financial details, and employment information. Take your time to fill this out accurately to avoid any delays in the processing of your application.
Step 4: Submit Your Application
After completing the application form, carefully review all the details to ensure accuracy. Once satisfied, submit your application for evaluation. Keep an eye on your email or phone for any follow-up communication from OCBC. They might contact you for additional information or document verification.
Step 5: Await Approval
Upon submission, your application will be processed, and you’ll be informed of the outcome via the contact details you provided. If approved, you will receive your OCBC 90°N Credit Card via mail, along with instructions on activating and using it. Patience is key, as approval times can vary.
Frequently Asked Questions about the OCBC 90°N Credit Card
What are the main benefits of the OCBC 90°N Credit Card?
The OCBC 90°N Credit Card is designed for travelers and savvy spenders. One of its key benefits is that it offers accelerated earn rates for miles on all your spending, both local and overseas. Additionally, you can also enjoy complimentary travel insurance when flights are purchased using the card, as well as exclusive offers and discounts with selected travel partners.
How can I redeem the miles earned using the OCBC 90°N Credit Card?
Redeeming miles with the OCBC 90°N Credit Card is straightforward. You can convert your earned miles into various frequent flyer programs, such as KrisFlyer or Asia Miles. This gives you the flexibility to use your miles for flights, upgrades, and even shopping. The conversion is seamless via the OCBC online banking platform or mobile app.
What are the eligibility criteria to apply for the OCBC 90°N Credit Card?
To apply for the OCBC 90°N Credit Card, you need to be at least 21 years old. Singapore citizens and permanent residents should have a minimum annual income of S$30,000, while foreigners need to meet a threshold of S$45,000. If you do not meet these criteria, a fixed deposit collateral option might be available.
Are there any fees associated with the OCBC 90°N Credit Card?
Yes, like most credit cards, the OCBC 90°N Credit Card comes with certain fees. The annual fee is S$192.60, which includes GST. However, this fee is often waived for the first year for new applicants and may be subsequently waived based on spending criteria. Always make sure to check the latest fee schedule on the OCBC website or contact customer service for accurate information.
How can I manage my OCBC 90°N Credit Card account?
You can easily manage your OCBC 90°N Credit Card account through OCBC’s internet banking services or mobile app. This allows you to monitor your transactions, pay your bills, and check your rewards balance. Additionally, for any assistance, OCBC’s 24/7 customer care is available to address your queries and provide support whenever needed.
Linda Carter is a writer and financial expert specializing in personal finance and financial planning. With extensive experience helping individuals achieve financial stability and make informed decisions, Linda shares her knowledge on the our platform. Her goal is to empower readers with practical advice and strategies for financial success.
