Maybank Horizon Visa Signature Card vs OCBC 90°N Mastercard
Compare Maybank Horizon Visa Signature Card, OCBC 90°N Mastercard side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
MaybankSignature •••• •••• •••• •••• Credit Card CompareVisa Maybank Horizon Visa Signature Card | OCBC •••• •••• •••• •••• Credit Card CompareMastercard OCBC 90°N Mastercard |
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Card details
CardIQ
How we calculate scores| Overall | 63Good Highest | 45Fair |
|---|---|---|
| Airport lounge | 62/100 | – |
| No annual fee | – | 41/100 |
| Rewards | 65/100Highest | 49/100 |
The basics
| Card tier | Signature | Not published |
|---|---|---|
| Card type | Visa | Mastercard |
| Credit rating | Not published | Not published |
| Rewards program | Maybank TREATS Points | OCBC 90°N Miles |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | Not published | 21 years old |
|---|---|---|
| Minimum income | S$30,000 p.a. | S$30,000 p.a. |
| Residency | Singapore citizen or PR (S$30,000 a year); Malaysian citizen in employment for at least 1 year (S$45,000); other foreigner in employment for at least 1 year (S$60,000) | 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 20 days | Up to 23 daysHighest |
|---|---|---|
| Minimum repayment | 3% of the outstanding balance or S$20, whichever is higher, plus any amount past due from previous statements; for accounts over the limit, 3% of the credit limit plus the excess | S$50 or 3% of the total balance, whichever is higher, and any overdue amount |
Rates & fees
Ongoing interest rates
| Purchases | 27.90% p.a. | 27.78% p.a.Lowest |
|---|---|---|
| Cash advances | 28.50% p.a.Lowest | 28.92% p.a. |
Fees
| Annual fee | S$196.20 p.a. | No annual feeLowest |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | S$0Lowest | S$98.10 |
| Cash advance fee | 8% 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 | 3 pts per S$1 | 6.5 90°N Miles per S$5 |
|---|---|---|
| Bonus categories | 7 pts per S$1 in bonus categories | None |
| Other purchases | None | None |
| Overseas spend | 7 pts per S$1 on overseas spend | 10.5 90°N Miles per S$5 on overseas spend |
| Reduced rate above monthly cap | None | None |
| Points cap | Uncapped | Uncapped |
| Points expiry | TREATS Points expire one year from the quarterly period in which they were earned; for Rewards Infinite members (enrolled with S$24,000 of spend on eligible cards in the preceding 12 months) they do not expire while the membership lasts | Miles never expire |
| Estimated annual points | 108,000 ptsWorth S$648Highest | 68,800 ptsWorth S$1,032 |
Sign-up bonus
| Sign-up bonus | — | 22,000 points |
|---|---|---|
| Bonus spend required | — | 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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Sources
- Credit Card Compare
- How CardIQ scores cards