Credit Cards Deals

Win a luxury staycation or other gifts for being a top spender on your OCBC 90°N card

OCBC is giving away prizes worth nearly S$16,000 for its top 100 spenders on the 90°N Card, including luxury staycations.

Register now to be in with a chance.

If you’re an OCBC 90°N cardholder the bank has a new promotion for you between now and the end of next month, with prizes for top spenders, from luxury hotel staycations in Sentosa through to fancy coffee machines and Takashimaya gift vouchers.

To win you’ll need to be in the top 100 spenders on eligible transactions between now and the end of August 2021.

The important part of the promotion is that registration is required, so make sure to sign your card up for the offer even if you don’t think you’ll be in with a chance to win a prize. You might just thank yourself later!

  OCBC 90°N Top Spenders Promotion

OCBC 90°N Card Top Spenders Promotion

Once you’ve registered, you’ll need to be among the top 100 spenders from 9th July 2021 to 31st August 2021.

Registration can take place any time during the promotion period, with all eligible spend falling within the date range still counted, but you may as well register now just in case you forget later.

Here’s how the prize breakdown looks.

(based on qualifying spend)
1st – 4th place One-night staycation at The Barracks Hotel Sentosa
Value: S$885.00
5th – 10th place Nespresso Lattissima One Coffee Machine (Silky White)
Value: S$448.00
11th – 20th place JBL Cinema SB130 Soundbar
Value: S$399.00
21st – 50th place S$100 Takashimaya Shopping Centre Voucher
Value S$100.00
51st – 100th place S$50 Takashimaya Shopping Centre Voucher
Value: S$50.00

In total these gifts are worth nearly S$16,000, but of course it’s nearly impossible to know for sure how much you’d have to spend to be eligible for even the smallest prize (worth S$50).

Our recommendation is to register anyway, and you might get lucky.

Four winners will score a staycation at The Barracks Sentosa. (Photo: MainlyMiles)

Spend made on supplementary cards will be combined with that of the principal cardholder. Each eligible principal cardholder is entitled to a maximum of one gift (because each principal cardholder can only come in one place in the ranking).

Those who qualify to receive the gift will be notified by 31st October 2021. Terms and conditions of each gift will apply, full details will be sent together with the redemption letter.

Full terms and conditions for the promotion are available here:

 OCBC 90°N Card Top Spend TnC

Eligible spend

Any spend you make on your OCBC 90°N card that normally accrues Travel$ (points) will be counted as eligible for the purposes of this promotion, including both physical and online transactions.

Excluded spend comprises (click to expand):

  • MCC 4784: Tolls and Bridge Fees
  • MCC 4829: Wire Transfer Money Orders
  • MCC 4900: Utilities–Electric, Gas, Heating Oil, Sanitary, Water
  • MCC 5047: Medical, Dental, Ophthalmic and Hospital Equipment and Supplies
  • MCC 5199: Nondurable Goods (not elsewhere classified)
  • MCC 5960: Direct Marketing Insurance Services
  • MCC 5993: Cigars, Stores and Stands
  • MCC 6010: Member Financial Institution–Manual Cash Disbursements
  • MCC 6012: Member Financial Institution–Merchandise and Services
  • MCC 6051: Quasi Cash–Merchant (Non-Financial Institutions – Foreign Currency, NonFiat Currency, Cryptocurrency)
  • MCC 6211: Securities–Brokers and Dealers
  • MCC 6300: Insurance Sales, Underwriting and Premiums
  • MCC 6513: Real Estate Agents and Managers–Rentals
  • MCC 6540: Non-Financial Institutions – Stored Value Card Purchase/Load
  • MCC 7349: Cleaning, Maintenance and Janitorial Services
  • MCC 7523: Automobile Parking Lots and Garages
  • MCC 7995: Gambling - Betting, including Lottery Tickets, Casino Gaming Chips, OffTrack Betting, and Wagers at Race Tracks
  • MCC 8062: Hospitals
  • MCC 8211: Schools, Elementary and Secondary
  • MCC 8220: Colleges, Universities, Professional Schools and Junior Colleges
  • MCC 8241: Schools, Correspondence
  • MCC 8244: Schools, Business and Secretarial
  • MCC 8249: Schools, Trade and Vocational
  • MCC 8299: Schools and Educational Services–Not Elsewhere Classified
  • MCC 8398: Organizations, Charitable and Social Service
  • MCC 8651: Organizations, Political
  • MCC 8661: Organizations, Religious
  • MCC 8675: Automobile Associations
  • MCC 8699: Organizations, Membership–Not Elsewhere Classified (Labor Union)
  • MCC 9211: Court Costs Including Alimony and Child Support
  • MCC 9222: Fines
  • MCC 9223: Bail and Bond Payments
  • MCC 9311: Tax Payments
  • MCC 9399: Government Services–Not Elsewhere Classified
  • MCC 9402: Postal Services–Government Only
  • MCC 9405: Intra-Government Purchases–Government Only

Apart from the above MCC listing, qualifying spend also excludes:

  • Transactions under Transportation and Tolls MCC 4111/4121/4131, except for transactions with Grab Transport, Gojek and licensed taxi operators (including, Comfort, Citycab, Transcab, SMRT Taxi, Premier Taxi, Prime Taxi and HDT Taxi).

Importantly do note that all hospital transactions (private or otherwise) have been recently excluded from the miles earning options for OCBC credit cards.

Eligible spend for this promotion is based on transaction date (not posting date, which can be a few days later). That means even last minute spend on the final day of the offer (31st August 2021) will be counted.

Both CardUp and ipaymy are still included as eligible transactions, so larger payments like property rental and income tax might be a good way to rack up the spend, subject to your credit limit.

Don’t forget CardUp is offering a discounted fee of 1.7% to OCBC 90°N cardholders on a one-time payment of up to S$10,000 by 24th August 2021, so this could be a good time to use that benefit for a large payment and try to work your way up the top spenders list!



Our review

If you’re not currently holding the OCBC 90°N card, do be sure to check out our comprehensive review to see if it deserves a place in your wallet.

OCBC 90°N Card

1.2 mpd

2.1 mpd

transfer blocks
OCBC 90°N Card

1.2 mpd

2.1 mpd

1k miles


The problem with credit card “top XX spenders” promotions is that you don’t know how much you’ll actually need to spend in order to be in with a chance to win a prize, even when there are 100 gifts to go around like in this promotion.

Nonetheless there’s no harm in giving this one a try, you could even get a nice suprise come October!

Remember card payment companies like CardUp and ipaymy are included as eligible spend (there are still some great income tax payment deals via credit card this year).

If your OCBC 90°N card is gathering dust and you want to take part, note that you’ll earn 1.2 mpd for local spend and 2.1 mpd for foreign currency spend, but that transactions are rounded down to the next S$5 denomination for miles earning, adversely affecting the “real” earn rate for some smaller payments.

(Cover Photo: MainlyMiles)



  1. Oh man I paid my income tax using 90N card end of June with the CU 1.7% offer. I’m guessing there’s no way this will be retroactively considered for this spend promo?

    1. I’m afraid not. Only transactions made between 00:00 SGT on 9th July and 23:59 SGT on 31st August will count for this one.

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