OCBC VOYAGE Card Singapore, OCBC VOYAGE Card, Overview of OCBC VOYAGE Card

Review: OCBC VOYAGE Card Singapore 2024

When exploring the diverse array of credit cards offered in Singapore, the OCBC VOYAGE Card stands out, particularly for those with high-income profiles who seek a blend of travel perks and miles acquisition. Exclusive to OCBC, this card goes beyond the typical offerings by providing cardholders with a unique travel experience. Its appeal is strengthened by its flexible miles redemption options and luxury travel perks, making it a prominent choice among a sea of premium credit cards.

At its core, the OCBC VOYAGE Card provides a straightforward value proposition: the earning of VOYAGE Miles on both local and overseas spending without the hassle of an expiry date. Unlike several counterparts, this card allows frequent travelers to accumulate and retain their rewards over an extended period. Although it comes with a substantial annual fee, the card banks on its plethora of features ranging from unlimited airport lounge access to its characteristic miles program to justify the cost.

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Review: OCBC VOYAGE Card Singapore

Key Takeaways

  • The OCBC VOYAGE Card caters to high-income earners with an affinity for travel and mile accumulation.
  • Key features include unlimited airport lounge access, flexible miles redemption, and non-expiring VOYAGE Miles.
  • The card’s high annual fee aligns with the premium benefits offered, setting it apart in the luxury credit card segment.

OCBC VOYAGE Card Overview

In providing a snapshot of the OCBC VOYAGE Card, we will focus on its defining characteristics and who can apply for it.

Review: OCBC VOYAGE Card Singapore

Key Features

  • Rewards Program: The VOYAGE Miles reward system allows earning of miles for every local and foreign spend, with the unique advantage of these miles not expiring.
  • Airport Lounge Access: Cardholders enjoy unlimited airport lounge visits, utilizing the Plaza Premium network.
  • Flexible Miles Redemption: One of its distinctive qualities is the ability to transfer as little as one mile to KrisFlyer, without an upper limit, allowing precise redemption and no mileage wastage.
  • Exclusivity: The OCBC VOYAGE Card offers services beyond travel with luxury perks and privileges, including luxe shopping and complimentary transfer services.

Eligibility Requirements

  • Annual Income: Minimum required annual income for citizens & PRs: S$120,000; likewise for foreigners.
  • Annual Fee: S$488, notable as not eligible for waiver.
  • Age Limit: Primary cardholders must meet the minimum age requirement as prescribed by the bank.

Rewards and Benefits

With the OCBC VOYAGE Card, we’re looking at a rewards structure designed for those who value miles and travel benefits. Our focus here is to break down the rewards and benefits you can expect from using this card, including how to earn miles, enjoy exclusive privileges, and make the most of its travel perks.

Miles Earning Rates

  • Local Spend: Earn up to 1.2 miles per S$1 spent.
  • Overseas Spend: Accrue up to 2.3 miles for every S$1 spent outside Singapore.
  • Bonus Miles: Receive 15,000 bonus miles with card renewal.

Exclusive Privileges

  • Dining Benefits: Get access to gourmet dining privileges at select restaurants.
  • Golf Privileges: Complimentary green fees at prestigious golf courses around the region.

Travel Perks

  • Airport Transfers: Enjoy complimentary airport limousine transfers.
  • Lounge Access: Gain entry to VIP lounges worldwide, regardless of airline or travel class.
  • Flexible Redemptions: Redeem VOYAGE Miles with ‘any seat, any flight’ bookings without blackout dates.

Fees and Charges

When considering the OCBC VOYAGE Card, we must be mindful of the various fees and charges that accompany its usage. These include annual fees, interest rates on outstanding balances, and fees on foreign transactions.

Annual Fees

The OCBC VOYAGE Card carries an annual fee of S$488 for the principal cardholder. For supplementary cards, there is a fee of S$189, although the first two supplementary cards are usually waived for the first year.

Interest Rates

Should there be an outstanding balance on the card, the interest charged is in line with market rates. It’s crucial to pay the balance in full to avoid incurring higher costs due to these interest rates.

Foreign Transaction Fees

For transactions made in a foreign currency, the OCBC VOYAGE Card imposes a foreign transaction fee. This is typically a percentage of the transacted amount and can add significantly to the cost of foreign purchases.

Comparison with Other Credit Cards

In assessing the OCBC VOYAGE Card, we focus on its benefits relative to other offerings on the market and its distinct place among premium credit options.

Comparative Analysis

When examining the OCBC VOYAGE Card, its earning rates are a key comparison point. The card provides 1.6 miles per dollar (mpd) on local spends and 2.3 mpd for foreign transactions. In contrast, cards like the UOB Visa Infinite Metal Card position themselves similarly in the luxury space, occasionally offering different rates or perks. For instance, while the VOYAGE Card delivers respectable mile-earning rates, other premium cards might offer higher rates for specific spending categories or additional benefits such as airport lounge access or complimentary travel insurance.

  • Local Spend: OCBC VOYAGE Card earns at 1.6 mpd whereas some competitors might offer higher or lower rates depending on their reward structure.
  • Foreign Spend: At 2.3 mpd, the card is competitive, but certain cards aimed at frequent international spenders could potentially surpass this rate.

Market Positioning

Our OCBC VOYAGE Card sets itself apart with a combination of flexibility in miles redemption and a suite of luxury benefits. Its annual fee places it in the upper echelon of credit cards available in Singapore. Aimed at high-income earners, it maintains a competitive edge with its exclusive clientele through services like dedicated concierge support. Here’s how it stands in relation to similar cards:

FeatureOCBC VOYAGE CardCompetitive Premium Cards
Annual FeeHighComparable or Higher
Income RequirementS$120,000Similar High Requirements
Miles Redemption FlexibilityHighVariable by Card
Additional PerksLuxury BenefitsDiverse, Luxurious Offers

This card targets consumers seeking an optimal blend of travel rewards and luxury experiences, aligning itself with the prestigious end of the market.

User Experience

When assessing the OCBC VOYAGE Card, we focus on the user experience from initial application through to ongoing customer interactions. Our insights draw upon the card’s systematic processes and our understanding of service quality.

Application Process

The application process for the OCBC VOYAGE Card is designed to be streamlined and user-friendly. Potential cardholders can apply online, which typically involves filling out personal and financial details. Upon completion, the bank conducts a credit check. If the applicant meets the criteria, they often receive a response within a short time frame.

  • Requirements: Applicants must typically meet minimum income criteria and age requirements.
  • Documentation: Standard documentation includes identification, income proof, and sometimes additional financial information.

Customer Service

Customer service with the OCBC VOYAGE Card aims to be responsive and helpful. Cardholders can contact OCBC through various channels:

  • Phone support: Available 24/7 for quick resolutions.
  • Email inquiry: For less urgent requests or detailed queries.
  • Branch visit: Direct assistance for complex issues or personal service preferences.

Users have reported that customer representatives are generally well-informed and able to resolve queries or issues satisfactorily, reflecting OCBC’s commitment to quality service.

Security and Protections

In safeguarding our clients’ financial well-being, we prioritize robust security measures and responsive protection services.

Fraud Protection Measures

We implement rigorous fraud protection measures to detect and prevent unauthorized transactions. Our systems monitor accounts round-the-clock for any unusual activity. In the event of suspect transactions, we quickly alert cardholders to verify the legitimacy of the charges. Furthermore, our customers benefit from the following:

  • Real-time Notifications: Instant alerts for transactions, allowing for immediate action if fraud is suspected.
  • Zero Liability Policy: Cardholders are not liable for unauthorized transactions once reported in a timely manner.

Card Replacement Services

Our card replacement services are designed to deliver peace of mind and minimal disruption in case of loss or theft. Our clients can expect:

  • Emergency Card Replacement: If a card is lost, damaged, or stolen, we ensure a swift replacement process, often within 24 hours, globally.
  • 24/7 Support: Our dedicated support team is available anytime to assist with emergency card issues and expedite replacement requests.

Pros and Cons

We’ll examine the OCBC VOYAGE Card, focusing on its specific advantages and disadvantages for potential cardholders.


  • Unlimited Lounge Access: We provide unlimited airport lounge visits for both principal and supplementary cardholders. However, it is important to note that this access is limited to the Plaza Premium network, which is smaller than the Priority Pass.
  • Miles Flexibility: The VOYAGE Miles are particularly flexible, allowing for easy redemption. They can be converted into KrisFlyer Miles at a 1:1 ratio, which is advantageous for frequent flyers looking to redeem flights with Singapore Airlines.
  • High Earn Rates: The card offers high earn rates for spending both overseas and locally, which can be beneficial for those who travel often or spend significantly in foreign currencies.


  • Annual Fee: We carry a relatively high annual fee of S$488, and there is no waiver available. This fee needs to be weighed against the benefits to determine value for money.
  • Reward Restrictions: Recurring bills do not qualify for rewards, which could limit the earning potential for some of our cardholders.
  • Limo Transfer Conditions: Access to limo transfers is contingent on a minimum spend of S$5,000, which might be steep for some users.

Conclusion and Recommendations

In evaluating the OCBC VOYAGE Card, we recognize its suitability for individuals with a high annual income, particularly when seeking flexible mile redemption options and luxury perks. The card’s minimum income requirement currently stands at S$120,000 per annum.

The OCBC VOYAGE Card commands an annual fee of S$488, which is non-waivable, a point to consider for potential cardholders. Those applying for the first time receive a joining bonus, notably 15,000 bonus miles, bolstering its appeal for high earners looking to gather miles quickly.

Key Features:

  • Annual Fee: S$488
  • Income Requirement: S$120,000 for citizens, PRs, and foreigners
  • Mile Rewards: Earn 2.2 miles for every S$1 spent
  • Perks: No blackout dates for mile redemption, S$25 KrisFlyer miles waiver available

We recommend the OCBC VOYAGE Card for non-frequent flyers who still wish to accumulate miles effortlessly and appreciate premium travel benefits. The ability to transfer miles into KrisFlyer without fees adds to the appeal for those who prefer flying with Singapore Airlines. However, it may not be the best fit for individuals who are not keen on paying a sizeable annual fee.

In choosing this card, we advise a thorough consideration of your spending habits, travel frequency, and the benefits valuation to ensure alignment with your financial and lifestyle priorities.

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