OCBC VOYAGE Card Premier 2026: Earn Rates, Fees & Benefits

The OCBC VOYAGE Card Premier is one of Singapore’s most compelling miles credit cards — if you can get your hands on one.

Unlike the standard OCBC VOYAGE Card, the Premier version is invitation-only, reserved for OCBC Premier Banking clients, and comes with beefed-up earn rates that make everyday spending genuinely rewarding.

But is the OCBC VOYAGE Premier Card worth the banking relationship required to get it? And how does it actually stack up against the standard VOYAGE Card, the PPC VOYAGE variant, and other premium miles credit cards in Singapore?

If you’re a frequent traveller, miles enthusiast, or high-net-worth individual with OCBC Premier Banking status, this comprehensive review has everything you need to make an informed decision.

Here’s the full breakdown — earn rates, fees, perks, caveats, and whether this card deserves a spot in your wallet.

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TLDR: OCBC VOYAGE Card Premier at a Glance 

What Matters	Details
Local Earn Rate	1.6 miles per S$1 (best-in-class)
Overseas Earn Rate	2.2 miles per S$1
Annual Fee	S$498 (waivable at S$30K spend)
Key Perk	Unlimited DragonPass lounge access
The Catch	Invitation-only; requires S$350K AUM with OCBC
Best For	Local-focused spenders who value simplicity
Best Alternative for Overseas Spending	Combine with YouTrip for overseas purchases to avoid FX fees

Table of Contents:

1. What Is the OCBC VOYAGE Card Premier?
2. How to Get the OCBC VOYAGE Card Premier
3. Miles Earn Rates
4. Annual Fee and Waiver
5. VOYAGE Miles: How They Work
6. Travel Perks and Benefits
7. What Doesn’t Earn Miles
8. OCBC VOYAGE Card Premier vs Standard VOYAGE Card
9. OCBC VOYAGE Card Premier vs PPC VOYAGE Card
10. Who Is the OCBC VOYAGE Card Premier Best For?
11. Tips to Maximise the OCBC VOYAGE Card Premier
12. OCBC VOYAGE Card: Pros & Cons
13. Final Verdict
14. FAQs

What is the OCBC VOYAGE Card Premier?

Image credits: OCBC Singapore

The OCBC VOYAGE Card Premier is a premium miles credit card available exclusively to OCBC Premier Banking customers. It sits one tier above the standard OCBC VOYAGE Card and one below the Premier Private Client (PPC) and Bank of Singapore (BOS) variants.

Launched as part of OCBC’s VOYAGE programme — Singapore’s first bank-issued miles card when it debuted in 2015 — the Premier version offers:

• Enhanced earn rates on local spending
• Lower annual fee waiver threshold
• The same suite of travel perks that make the VOYAGE line popular with frequent flyers

The card itself is made from duralumin, a lightweight aluminium alloy, giving it that satisfying metal-card heft.

Quick Snapshot:

Feature	Details
Card type	Miles credit card
Network	Visa
Annual fee	S$498 (inclusive of GST)
Fee waiver	Spend S$30,000 in a membership year
Minimum income	S$30,000 (with OCBC Premier status)
OCBC Premier AUM requirement	S$350,000 AUM
Miles expiry	Never
Earn rate (local)	1.6 miles per S$1
Earn rate (overseas)	2.2 miles per S$1
Invitation only	Yes

Related guide: OCBC Multi-Currency Account Guide: OCBC Global Savings Account

OCBC VOYAGE Card Premier: Eligibility & Requirements

You can’t just apply online. The Premier VOYAGE Card is by invitation only, available to OCBC Premier Banking clients.

To qualify for OCBC Premier Banking, you need:

• Assets Under Management (AUM) of at least S$350,000 held with OCBC — this includes deposits, investments, and insurance.
  
• Minimum annual income of S$30,000 (significantly lower than the standard VOYAGE Card’s S$120,000 requirement, because your banking relationship does the heavy lifting).

Once you’re an OCBC Premier client, you can register your interest through your Relationship Manager or request the bank to contact you.

Related guide: UOB Lady’s Card Guide: Categories, Fees, Miles Earn Rate

Miles Earn Rates Comparison

The OCBC VOYAGE Card Premier earn rates are where this premium miles card pulls significantly ahead of the standard VOYAGE Card.

OCBC VOYAGE Card Premier Earn Rates

Spend type	Earn rate
Local spend (general)	1.6 VOYAGE Miles per S$1
Overseas spend	2.2 VOYAGE Miles per S$1

How It Compares Across VOYAGE Tiers

Tier	Local	Overseas
Standard VOYAGE	1.3 mpd	2.2 mpd
Premier VOYAGE	1.6 mpd	2.2 mpd
PPC / BOS VOYAGE	1.6 mpd + 2.3 dining	2.3 mpd

The jump from 1.3 to 1.6 miles per dollar on local spend is significant. On S$30,000 of annual local spending, that’s an extra 9,000 miles — roughly enough to offset a short-haul economy redemption.

The overseas earn rate stays the same at 2.2 mpd across both Standard and Premier tiers. If most of your spending is overseas, the earn rate advantage narrows. But for cardholders who do the bulk of their spending locally (which is most people), that 1.6 mpd rate is one of the strongest in Singapore’s miles card market.

Note: Miles are earned in blocks of S$5, so a S$4.90 transaction won’t earn anything. Worth keeping in mind for small purchases.

Related guide: Citi Prestige Card: Guide to Fees, Miles, Eligibility & Tips

Annual Fee & Fee Waiver

The OCBC VOYAGE Card Premier annual fee is S$498 (inclusive of GST).

Here’s where it gets interesting: the fee waiver threshold for Premier cardholders is S$30,000 in annual spending — half the S$60,000 required for the standard VOYAGE Card.

S$30,000 annually = S$2,500/month average. The fee disappears with regular use.

Foreign Currency Fees: 

All foreign currency transactions incur a 3.25% FX fee
(1% card network + 2.25% OCBC).

• S$2,000 overseas spend → S$2,065 charged
• S$10,000 annual overseas spend → S$325 in FX fees

If exchange rate savings matter more than miles, multi-currency cards like YouTrip (0% FX fees) may deliver better value — especially for economy or budget travellers.

VOYAGE Miles: Transfer Partners, Redemptions & Conversions

VOYAGE Miles are OCBC’s proprietary miles currency used exclusively for the VOYAGE card line. They sit in your VOYAGE account and never expire — no caps, no minimum spending to keep them alive.

Transfer Partners

You can convert VOYAGE Miles to any of these airline and hotel loyalty programmes:

Airlines:

• Singapore Airlines KrisFlyer (1:1 ratio, S$25 conversion fee)
• Cathay Pacific Asia Miles
• British Airways Executive Club
• Air France-KLM Flying Blue
• United MileagePlus
• Etihad Guest

Hotels:

• ALL – Accor Live Limitless
• Marriott Bonvoy
• IHG One Rewards

Direct Flight Redemptions

Redeem miles directly on any airline at a 1:1 conversion ratio — ideal when direct value outperforms transfer partners or when booking non-partner airlines.

• Conversion ratio: 1:1
• Fee: S$25
• Processing: 10–15 working days

Batch your conversions to minimise fees.

The Annual Service Fee (S$3,270 for 150,000 miles OR S$10,200 for 500,000 miles) only makes sense if you’re planning a large lump-sum redemption.

Travel Perks & Benefits: Lounge Access, Limo Credits & Concierge Service

Beyond the miles earning potential, the OCBC VOYAGE Card Premier includes several travel benefits:

1. Lounge Access (DragonPass)

Enjoy unlimited DragonPass lounge access across 1,400+ lounges worldwide for principal cardholders.

• Supplementary cardholders: 2 complimentary visits
• Guest access: US$32 per guest
• Access covers lounges only (no restaurants, spas, or non-lounge facilities)

Ideal for frequent flyers who value consistency over hunting for lounge promos.

2. Complimentary Limo Transfers

Receive 2 complimentary limo rides per quarter (valid for 3 months) to or from Changi or Seletar Airport when you spend S$12,000 per quarter (effective 24 Nov 2025).

• Book via the OCBC app
• Minimum 48 hours’ advance notice required

PPC cardholders enjoy unlimited limo rides with no minimum spend requirement.

3. Concierge Service

For travel planning, restaurant reservations, event bookings, or lifestyle assistance, call [phone].

Related guide: Citi PremierMiles Card: Guide to Benefits, Fees & Rewards

OCBC VOYAGE Premier: Excluded Categories

• Insurance, utilities, education, GrabPay top-ups
• Third-party bill platforms (base miles may apply, but not bonuses)

Related guide: Citi Rewards Card: Guide to Fees, Miles & Benefits

OCBC VOYAGE Card Premier vs Standard Voyage Card

Both the Premier and Standard versions carry the same annual fee, but the Premier tier offers distinct advantages.

Feature	Standard VOYAGE	Premier VOYAGE
Annual fee	S$498	S$498
Fee waiver threshold	S$60,000/year	S$30,000/year
Minimum income	S$120,000	S$30,000 (with Premier status)
Local earn rate	1.3 mpd	1.6 mpd
Overseas earn rate	2.2 mpd	2.2 mpd
Lounge access	Unlimited (principal)	Unlimited (principal)
Limo rides	2/quarter (S$12K spend)	2/quarter (S$12K spend)
Metal card	Yes	Yes
Application	Open	Invitation only

The verdict: Same annual fee, better local earn rate, easier fee waiver. The Premier version is objectively better — the trade-off is needing S$350K in AUM with OCBC to qualify.

If you’re already an OCBC Premier client (or close to it), there’s no reason to hold the standard card over the Premier version.

Related guide: HSBC Premier Mastercard Singapore: Benefits, Eligibility, Rewards

OCBC VOYAGE Card Premier vs PPC VOYAGE Card

For Singapore cardholders considering the next tier up:

Feature	Premier VOYAGE	PPC VOYAGE
AUM requirement	S$350,000	S$1.5 million
Local earn rate	1.6 mpd	1.6 mpd
Local dining	1.6 mpd	2.3 mpd
Overseas earn rate	2.2 mpd	2.3 mpd
Limo rides	2/quarter (S$12K spend)	Unlimited (no min spend)
Annual fee waiver	S$30,000 spend	Waived

The PPC tier adds a dining bonus (2.3 mpd), slightly better overseas earn rate (2.3 vs 2.2 mpd), unlimited free limo rides, and an automatic fee waiver. If you can meet the higher AUM requirement, it’s a meaningful upgrade — especially for frequent diners and travellers.

Related guide: HSBC TravelOne Card: Guide to Fees, Miles & Benefits

Who Is the OCBC VOYAGE Card Premier Best For?

This premium OCBC miles card fits a specific profile exceptionally well:

• Frequent travellers who want non-expiring miles and flexible transfer partners
• High-AUM individuals who already bank with OCBC or are willing to consolidate
• Local spenders who want strong everyday earn rates without chasing category bonuses
• KrisFlyer loyalists who value 1:1 conversion to Singapore Airlines miles
• People who prefer simplicity — one card, solid earn rates across the board, no rotating categories to track

It’s less ideal if:

• You don’t have S$350K to park with OCBC
• Most of your spending falls into excluded categories (insurance, utilities, education)
• You prefer cashback over miles
• You want airport lounge access that includes restaurants and non-lounge experiences

Related guide: UOB One Account Singapore Guide: UOB One Card, Interest Rates, Fees

Tips to Maximise the OCBC VOYAGE Card Premier

How to get the most value from your OCBC VOYAGE Card Premier:

1. Hit the S$30,000 annual spend to waive the fee. That’s S$2,500/month through groceries, dining, subscriptions, and transport.
   
2. Batch your KrisFlyer conversions. The S$25 fee per transfer means it’s more efficient to convert larger amounts less frequently.
   
3. Use strategically for overseas spend. The 3.25% FX fee erodes value on small transactions. Save the VOYAGE Card for big-ticket overseas purchases where miles outweigh the fee. Use YouTrip (zero FX fees) for everyday overseas spending.
   
4. Book limo transfers early — book via the OCBC app with 48 hours’ notice.
   
5. Stack with OCBC Premier perks — your banking relationship includes priority service and preferential rates.
   
6. Watch the S$5 block rounding. Very small transactions won’t earn miles. Where possible, consolidate small purchases.

OCBC VOYAGE Card: Pros & Cons

Pros

• Strong 1.6 mpd local earn rate
• Competitive 2.2 mpd overseas earn rate
• VOYAGE Miles never expire
• 1:1 KrisFlyer conversion available (batch to minimise S$25 fee)
• Unlimited DragonPass lounge access for principal cardholders
• Fee waiver at S$30,000 annual spend (realistic for primary spenders)
• Metal card, concierge service, and limo credits add premium value

Cons 

• Invitation-only; requires S$350,000 AUM with OCBC Premier Banking
• 3.25% fx fees on overseas spend
• Some spending categories excluded (insurance, utilities, education)
• Conversion fee (S$25) and S$498 annual fee if you don’t hit the waiver
• Miles credited in S$5 blocks (small transactions may not earn)

Related guide: UOB PRIVI Miles Card Guide: Benefits, Fees & Rewards

Final Verdict: Is the OCBC VOYAGE Card Premier Worth It for Singapore Cardholders?

Short answer: Yes, if you meet the AUM and spending profile — it’s a high-value, low-hassle miles card for Singapore-based collectors and travellers.

You get: 

• 1.6 mpd on local spend
• 2.2 mpd on overseas spend
• VOYAGE Miles never expire
• 1:1 KrisFlyer conversion available (S$25 fee)
• Unlimited DragonPass lounge access for principal cardholders
• Fee waiver at S$30,000 annual spend

The catch: Requires S$350,000 AUM with OCBC Premier Banking.

Practical recommendation: Use the OCBC Voyage Card Premier as your primary everyday card for local spend. For overseas purchases, pair it with a no-fee multi-currency card (e.g., YouTrip) to avoid 3.25% fx fees or foreign transaction fees.

Related guide: HSBC Revolution Card Singapore: Benefits, Fees, Rewards

FAQs: OCBC VOYAGE Card Premier

Q: Is it the same as the standard OCBC Voyage Card?
No. Premier offers 1.6 mpd local (vs 1.3), S$30K fee waiver (vs S$60K), and invitation-only access. Annual fee and overseas earn are identical.

Q: How do I apply?
Invitation-only for OCBC Premier Banking customers with S$350K+ AUM. Register through your Relationship Manager.

Q: Do VOYAGE Miles expire?
No, never.

Q: Can I convert to KrisFlyer?
Yes, 1:1 ratio with S$25 fee. Processing: 10–15 working days.

Q: What is the annual fee?
S$498 (GST inclusive). Waived at S$30K annual spend.

The Smarter Alternative for Travel

Looking for a simpler, fee-free solution for overseas spending? YouTrip provides a modern, multi-currency alternative that eliminates FX fees, hidden markups, and annual fees — making it a practical choice for Singaporeans travelling abroad in 2026.

Then, head over to our YouTrip Perks page for exclusive offers and promotions — we promise you won’t regret it. Join our Telegram (@YouTripSG) and Community Group (@YouTripSquad) for travel tips, event invites, and more!

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