S$1 = Up to 7 Miles

on Agoda accommodations worldwide

S$1 = 2.1 Miles

on Foreign Currency Spend

S$1 = 1.3 Miles

on Local Spend

All Details

• Key Features

  • Designed with an LED light feature, the 90°N Visa Card lights up whenever you make a contactless payment.

  • Earn up to 7 Miles (equivalent to 7% cash rebate) for every S$1 spent on Agoda

  • Earn 1.3 Miles (equivalent to 1.3% cash rebate) for every S$1 spent in SGD

  • Earn 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

  • Earn unlimited miles that never expire

  • At MoneySmart, we strive to keep our information accurate and up to date. This information may be different from what you see when you visit a financial institution, service provider, or specific product site. MoneySmart shall not be liable to compensate the Customer should the information is not as updated as our Partner.

Overseas Spending

Very Good

• Earn 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

• Earn up to 7 Miles (equivalent to 7% cash rebate) for every S$1 spent on Agoda

Air Miles

Very Good

• Earn up to 7 Miles (equivalent to 7% cash rebate) for every S$1 spent on Agoda

• Earn 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

• Earn 1.3 Miles (equivalent to 1.3% cash rebate) for every S$1 spent in SGD

• Your Miles never expire

• Convert to 9 airline and hotel partner programmes, including Singapore Airlines' KrisFlyer miles programme

• No cap on the amount of miles you can earn

• Redeem in blocks of as few as 1,000 Miles

Travel

Very Good

• Up to 7 Miles for every S$1 spent on bookings made on Agoda

• 2.1 Miles for every S$1 spent in foreign currency

• 1.3 Miles for every S$1 spent in local currency (SGD)

Entertainment

Good

• Earn 1.3 Miles (equivalent to 1.3% cash rebate) for every S$1 spent in SGD

• Earn 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

Grocery

Good

• Earn 1.3 Miles (equivalent to 1.3% cash rebate) for every S$1 spent in SGD

• Earn 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

Cash Back

Good

• Earn up to 7 Miles (equivalent to 7% cash rebate) for every S$1 spent on Agoda

• Earn 1.3 Miles (equivalent to 1.3% cash rebate) for every S$1 spent in SGD

• Earn 2.1 Miles (equivalent to 2.1% cash rebate) for every S$1 spent in foreign currency

Annual Interest Rate and Fees

Annual Principal Fee	S$196.20
Supplementary Annual Fee	S$98.10
Fee Waiver	Available
Interest Free Period	23 days
Annual Interest Rate	27.78%
Late Payment Fees	S$100 if the minimum payment is not received by the payment due date
Minimum Monthly Repayment	3% or S$50, whichever is higher
Foreign Currency Transaction Fee	3.25%
Cash Advance Transaction Fee	S$15 or 8% on the amount withdrawn, whichever is greater
Overlimit Fee	S$40

Minimum Income Requirements

Singaporean/PR Minimum Income	•At least S$30,000 for Singaporeans and Singapore PRs aged between 21 and 54 •At least S$15,000 for Singaporeans and Singapore PRs aged 55 and above
Non-Singaporean Minimum Income	•At least S$45,000 for foreigners

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Visa

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Visa Contactless
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