OCBC VOYAGE Card Bonus MCC Categories
The OCBC VOYAGE 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 Retail + Dining — 2.2 MPD
Foreign-currency retail and dining earn 11 miles per S$5 (2.2 MPD). SGD-charged overseas spend earns only the local 1.3 MPD rate.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| Foreign Currency Retail + Dining | All | Overseas retailers, Overseas dining, Travel spend |
Tips to Maximize OCBC VOYAGE Card Rewards
- The S$498 fee is charged at approval and non-refundable even if you cancel immediately
- Named professional-services merchants (Google Ads, Facebook Ads, AWS) are uniquely excluded (§1.4.11)
- S$25 conversion fee per 1:1 miles transfer; 10-15 working days for KrisFlyer
- Private-hospital carve-back: Mount Elizabeth, Gleneagles, Raffles etc. DO earn despite MCC 8062 exclusion
Frequently Asked Questions
Which MCCs are excluded from OCBC VOYAGE?
Per the VOYAGE Programme T&C §1.4.7, the same 36 codes as 90°N: 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 §1.4.11 professional-services merchants (Google/Facebook Ads, AWS).
Is OCBC VOYAGE still available?
Acquisition is currently by invitation/connect per the official card page. Minimum income is S$120,000.
Do VOYAGE miles expire?
No — VOYAGE Miles never expire, with 1:1 transfers to 9 partners (KrisFlyer, Cathay, BA, Flying Blue, Etihad, United, Accor, IHG, Marriott).
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.