First Year

Annual Fee Waiver

^S$196.20

Annual Fee

27.78%

Annual Interest Rate

All Details

• Key Features

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

  • Travel$ that do not expire - Convert Travel$ to loyalty points at 9 airline and hotel partner programmes.

  • Get cash rebates at up to 2.1% from your earned Travel$. Use it to offset credit card bills instantly.

  • 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.

Grocery

• 1.3 Travel$ per S$1 for SGD spend

• 2.1 Travel$ per S$1 of Foreign Currency spend

Overseas Spending

• 2.1 Travel$ per S$1 of Foreign Currency spend

Entertainment

• 1.3 Travel$ per S$1 for SGD spend

• 2.1 Travel$ per S$1 of Foreign Currency spend

Air Miles

• 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

Online Shopping

• 1.3 Travel$ per S$1 for SGD spend

• 2.1 Travel$ per S$1 of Foreign Currency spend

Cash Back

• Get cash rebates at up to 2.1% from your earned Travel$. Use it to offset credit card bills instantly.

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Cash Advance Transaction Fee	S$15 or 8% on the amount withdrawn, whichever is greater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	S$30,000 and above for Singaporeans and Singapore PRs
Non-Singaporean Minimum Income	S$45,000 and above for foreigners

Card Association

Visa

Wireless Payment

Visa Contactless
Apple Pay
Samsung Pay
Google Pay

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