Side-by-side · honest numbers
OCBC 365 Credit Card vs OCBC 90°N Card
Honest side-by-side comparison of OCBC 365 Credit Card, OCBC 90°N Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
OCBC 365 Credit Card
OCBC
OCBC 90°N Card
OCBC
Your adjusted comparison
| Feature | OCBC 365 Credit Card OCBC | OCBC 90°N Card OCBC |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $192 | $194 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | $30,000/mo | $50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $696/yr | $375/yr |
| Online shopping | $500 × 3% = $15/mo ($180/yr) | — |
| Groceries (offline) | $500 × 6% = $30/mo ($360/yr) · issuer max $80/mo | — |
| Dining & delivery | $300 × 6% = $18/mo ($216/yr) · issuer max $80/mo | — |
| Fuel | $200 × 6% = $12/mo ($144/yr) · issuer max $80/mo | — |
| Travel | — | $300 → 630 pts/mo × $0.02/pt = $11.34/mo ($136/yr) · issuer max $800/mo |
| Top reward rate | 6% | 2.1 miles/S$1 |
| Primary reward cap | $80 rewards/mo cap | $800 eligible spend/mo |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
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https://cardhungry.com/sg/en/compare/ocbc-365-vs-ocbc-90-n-sgReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, OCBC 365 Credit Card leads OCBC 90°N Card by about $321/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · $2,400/mo
$2,400/month total spend — typical Singapore user
Groceries $500 · Online $500 · Dining $300 · Travel $300 · Other $300
| Feature | OCBC 365 Credit Card OCBC | OCBC 90°N Card OCBC |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | $192 | $194 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | $30,000/mo | $50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | $696/yr | $375/yr |
| Online shopping | $500 × 3% = $15/mo ($180/yr) | — |
| Groceries (offline) | $500 × 6% = $30/mo ($360/yr) · issuer max $80/mo | — |
| Dining & delivery | $300 × 6% = $18/mo ($216/yr) · issuer max $80/mo | — |
| Fuel | $200 × 6% = $12/mo ($144/yr) · issuer max $80/mo | — |
| Travel | — | $300 → 630 pts/mo × $0.02/pt = $11.34/mo ($136/yr) · issuer max $800/mo |
| Top reward rate | 6% | 2.1 miles/S$1 |
| Primary reward cap | $80 rewards/mo cap | $800 eligible spend/mo |
| Key exclusions | Insurance · Government payments · Balance transfers | Insurance · Government payments · Balance transfers |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- OCBC 365 Credit Card has the lowest annual fee at $192.
- Which card earns more on moderate spend?
- OCBC 365 Credit Card leads with an estimated $696/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OCBC 365 Credit Card lists a minimum monthly income of $30,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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