American Express Singapore Airlines KrisFlyer Credit Card vs OCBC 90°N Mastercard
Compare American Express Singapore Airlines KrisFlyer Credit Card, OCBC 90°N Mastercard side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
American Express •••• •••• •••• •••• Credit Card CompareAmerican Express American Express Singapore Airlines KrisFlyer Credit Card | OCBC •••• •••• •••• •••• Credit Card CompareMastercard OCBC 90°N Mastercard |
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Card details
CardIQ
How we calculate scores| Overall | 47Fair Highest | 45Fair |
|---|---|---|
| No annual fee | 42/100Highest | 41/100 |
| Rewards | 51/100Highest | 49/100 |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | American Express | Mastercard |
| Credit rating | Not published | Not published |
| Rewards program | Singapore Airlines KrisFlyer | OCBC 90°N Miles |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 21 years old | 21 years old |
|---|---|---|
| Minimum income | Not specified | S$30,000 p.a. |
| Residency | Singapore citizens or PRs, or expatriates holding an Employment Pass (documents-required sheet) | Singaporean or Singapore PR aged 21 to 55 (S$30,000 a year) or above 55 (S$15,000 a year); foreigner aged 21 and above (S$45,000 a year) |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 22 days | Up to 23 daysHighest |
|---|---|---|
| Minimum repayment | 3% of the outstanding balance plus overdue minimum payments, late payment charges and any amount over the credit limit, or S$50, whichever is greater | S$50 or 3% of the total balance, whichever is higher, and any overdue amount |
Rates & fees
Ongoing interest rates
| Purchases | 27.80% p.a. | 27.78% p.a.Lowest |
|---|---|---|
| Cash advances | 26.90% p.a.Lowest | 28.92% p.a. |
Fees
| Annual fee | No annual fee | No annual fee |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | S$54.50Lowest | S$98.10 |
| Cash advance fee | 5% of the amount | 8% of the amount |
| Foreign transaction fee | 3.25% | 3.25% |
| Late payment fee | S$100 | S$100 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | 1.1 pts per S$1 | 6.5 90°N Miles per S$5 |
|---|---|---|
| Bonus categories | 2 pts per S$1 in bonus categories | None |
| Other purchases | None | None |
| Overseas spend | None | 10.5 90°N Miles per S$5 on overseas spend |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | — | Miles never expire |
| Estimated annual points | 55,600 ptsWorth S$834 | 68,800 ptsWorth S$1,032Highest |
Sign-up bonus
| Sign-up bonus | 16,000 points | 22,000 pointsHighest |
|---|---|---|
| Bonus spend required | S$2,000 within the first 3 months of card approval (new to American Express; promotion 17 June 2026 to 31 January 2027) | S$800 within 60 days of card approval (new OCBC credit cardmembers; valid till 31 December 2026) |
Transfer partners
| Singapore Airlines KrisFlyer | — | 1 pt → 1 pt (≈ 1.3 pts per S$1) |
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- Citi Rewards CardvsOCBC 90°N Mastercard
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Sources
- Credit Card Compare
- How CardIQ scores cards
- Issuers
- American ExpressOCBC