According to a review published by The MileLion, the OCBC Premier Visa Infinite launched in July 2020 as a fee-free priority banking card alternative to the OCBC VOYAGE. Designed exclusively for OCBC Premier Banking customers who maintain a minimum assets under management (AUM) of S$350,000, the card initially served as a no-cost companion to the OCBC Rewards Card by allowing cardholders to convert accumulated points into airline miles without any conversion fees.
Card Qualification and Annual Fee Structure
To qualify for the OCBC Premier Visa Infinite, applicants must meet a minimum annual income requirement of S$30,000 alongside the mandatory S$350,000 AUM threshold required for an OCBC Premier relationship. According to The MileLion, the card carries no annual fee for either principal or supplementary cardholders. While OCBC offers an “annual service fee upgrade” allowing cardholders to purchase blocks of 375,000 OCBC$ (150,000 miles) for S$3,270 or 1,250,000 OCBC$ (500,000 miles) for S$10,200, financial analysts note that these rates—costing roughly 2.18 cents and 2.04 cents per mile respectively—are unattractively high compared to alternative methods like CardUp, SC EasyBill, or paying the annual fee on the OCBC 90°N Card.
Points Earning Rates and S$5 Block Penalties
The OCBC Premier Visa Infinite earns 16 OCBC$ per S$5 spent in Singapore dollars, equating to 1.28 miles per dollar (mpd), and 28 OCBC$ per S$5 spent in foreign currency (FCY), equating to 2.24 mpd, based on data from The MileLion. However, OCBC rounds transactions down to the nearest S$5 block before applying these multipliers. Consequently, transactions that do not fall neatly into S$5 increments—such as a S$9.90 purchase earning the same points as a S$5 purchase, or a S$4.99 purchase earning zero points—result in a lower effective earn rate. Foreign currency transactions are subject to a 3.25% FCY fee, which aligns with standard market rates.
Pro Tip: Because OCBC calculates points using a strict S$5 rounding down formula (=ROUNDDOWN(X/5,0)*16 for SGD), cardholders should be mindful of odd-numbered transaction amounts to avoid missing out on points entirely.
Rewards Expiry, Pooling, and Transfer Partners
OCBC$ earned on the card expire after two years from the month they are earned, according to card terms. The rewards currency pools with other OCBC$-earning cards like the OCBC Rewards Card, meaning cardholders can combine points from multiple cards into a single transfer while paying only one S$25 conversion fee. OCBC maintains nine airline and hotel transfer partners. While KrisFlyer conversions require a minimum block of 25,000 OCBC$ (10,000 miles), other partner programs require a minimum initial transfer of 10,000 OCBC$ with subsequent conversions allowed in blocks of 1,000 OCBC$. According to The MileLion, partners like Asia Miles, British Airways, and Etihad Guest suffer from poorer conversion ratios compared to KrisFlyer, though Air France-KLM Flying Blue maintains parity.
Complimentary Lounge Access and Visa Infinite Perks
Principal cardmembers receive two complimentary DragonPass lounge visits per membership year, accessible via the DragonPass app using a membership code sent via SMS by OCBC. These visits cannot be shared with guests—who incur a US$32 fee per visit—nor can they be used for non-lounge experiences like restaurants or spas. Supplementary cardholders receive no lounge benefits. Additionally, the card includes standard Visa Infinite tier perks provided by Visa.
Did You Know? The OCBC Premier Visa Infinite is one of only two credit cards strictly reserved for OCBC Premier banking clients, the other being the higher-tier OCBC Premier VOYAGE card which carries a S$498 annual fee and unlimited lounge access.
Frequently Asked Questions
What is the minimum income requirement for the OCBC Premier Visa Infinite?
The card requires a minimum annual income of S$30,000, alongside an active OCBC Premier banking relationship requiring a S$350,000 minimum AUM.
Are miles conversion fees waived on the OCBC Premier Visa Infinite?
No. While OCBC previously offered free miles conversions, that perk was removed in February 2023. Standard conversions now incur a S$25 fee.
How do OCBC$ calculate on small purchases?
Transactions are rounded down to the nearest S$5 block before points are applied. Purchases under S$5 earn zero points.
Does the card offer airport limousine transfers?
No, unlike the OCBC Premier VOYAGE card, the OCBC Premier Visa Infinite does not include complimentary airport limo rides.
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