OCBC 90°N Card Bonus MCC Categories
The OCBC 90°N Card earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. Foreign Currency Spend — 2.1 MPD
Foreign-currency transactions earn 2.1 MPD. Local SGD earns 1.3 MPD (6.5 miles per complete S$5). Rideshare earns only via Grab/Gojek/licensed taxis, not MCC 4111 generally.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Foreign Currency Spend | All | Overseas retailers, Grab, Gojek, Overseas dining |
Tips to Maximize OCBC 90°N Card Rewards
- Miles per complete S$5 per transaction — sub-S$5 purchases earn zero
- Miles never expire and transfer 1:1 to KrisFlyer, Cathay, British Airways, Flying Blue, Etihad, United, Accor, IHG, Marriott
- Paying the annual fee earns 10,000 bonus miles — reversed if the fee is later waived
- Zero MCCs differ: hospitals (8062) and education (82xx) are excluded despite the "no-category" positioning
Frequently Asked Questions
Which MCCs are excluded from OCBC 90°N?
Per the 90°N Programme T&C §1.5 (36 codes): 4784, 4829, 4900, 5047, 5199, 5960, 5993, 6010, 6012, 6051, 6211, 6300, 6513, 6540, 7349, 7523, 7995, 8062, 8211, 8220, 8241, 8244, 8249, 8299, 8398, 8651, 8661, 8675, 8699, 9211, 9222, 9223, 9311, 9399, 9402, 9405. Plus §1.6.1: MCC 4111/4121/4131 excluded except Grab, Gojek and licensed taxis.
Does OCBC 90°N have a spend cap?
No. T&C §1.2 confirms there is no cap on miles earned and no minimum spend requirement.
Do 90°N miles expire?
No — 90°N Miles never expire, and transfers to KrisFlyer are 1:1.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.