OCBC Plus! Visa Card

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OCBC Plus! Visa Card

Singapore’s card of choice at FairPrice and more

Enjoy up to 12% rebate on your FairPrice and Unity spend and save even more with NTUC/OCBC Plus! Visa Credit Cards

What are NTUC Plus!/OCBC Plus! Visa Credit Cards

NTUC Plus!/OCBC Plus! Visa Credit Cards are designed to let you save more. With up to 12% rebate at FairPrice, grocery shopping just got better! You will also enjoy more savings on fuel, telco bills and other daily essentials, in addition to LinkPoints rebates at over 200 participating Plus! merchants. It’s our way of celebrating your hard work with Singapore’s card of choice for savings all year round.

How our Credit Cards work

NTUC Plus! Visa Credit Card

Key benefits

Spend a minimum of S$400 monthly anywhere outside of FairPrice^{^} to qualify.

Up to 12% off at FairPrice Stores, Unity and Warehouse Club¹
Up to 8% off at FairPrice On¹

OCBC Plus! Visa Credit Card

Key benefits

Spend a minimum of S$500 monthly anywhere outside of FairPrice^{^} to qualify.

7% off at FairPrice Stores, Unity and Warehouse Club²
3% off at FairPrice On²

Key benefits

Spend a minimum of S$400 monthly anywhere outside of FairPrice^{^} to qualify.

Up to 12% off at FairPrice Stores, Unity and Warehouse Club¹
Up to 8% off at FairPrice On¹

Spend a minimum of S$500 monthly anywhere outside of FairPrice^{^} to qualify.

7% off at FairPrice Stores, Unity and Warehouse Club²
3% off at FairPrice On²

^{^}Anywhere outside of FairPrice spend refers to Visa transactions made on your NTUC Plus!/OCBC Plus! Visa Credit or Debit Card outside of FairPrice, FairPrice On, Warehouse Club and Unity.

Also available as a Debit Card, click for full benefits.

Receive S$50 cash rebate with min. S$500 spent within the first 30 days of card approval.

Save even more

Up to 12% off at FairPrice stores, Unity and Warehouse Club¹

Up to 8% off at FairPrice On¹

Up to 20.6% fuel savings (From now till 31 Dec 2018) + earn 2.2% Smiles Savings at Esso

Find out more

Enjoy instant 18% off all fuel grades + 0.2% LinkPoints rebate at Caltex

Find out more

3% off at Cheers¹⁵

3% off at Popular¹⁵

1% LinkPoints rewards on M1, Starhub & Singtel recurring bills¹⁶

0.22% LinkPoints rewards on all Visa spendings¹⁷

Find out more

15% off on your 1st purchase and earn LinkPoints online instantly

Find out more

Enjoy fast, easy and secure payments with Visa payWave

Full Terms and Conditions

Promotions

Additional Benefits

Link a new Esso Smiles Account with your NTUC/OCBC Plus! Visa Card

Enjoy great fuel savings with ease when you link your card.

Link your existing card

Transfer existing Smiles Points

Frequency Asked Questions

Additional discounts on dining, shopping, travel and more

Enjoy exclusive card promotions with OCBC Cards islandwide

Find out more

Eligibility & Fees

Eligibility

NTUC Plus!/OCBC Plus! Visa Credit Card

Age 21 and above
Annual income:
S$30,000 and above for Singaporeans and Singaporean PRs
S$45,000 and above for foreigners
(NTUC Members will be eligible for NTUC Plus! Visa Credit Card)

Fees & charges

NTUC Plus! Visa Credit Card

Principal card: Free (prevailing NTUC Membership fee applies)
Supplementary card: Free (up to 3 supplementary cards)
Late Payment Charge:S$100 if the minimum payment for NTUC Plus! Visa Credit Card is not received by us by payment due date.

OCBC Plus! Visa Credit Card

Principal card: : S$107 per annum (First 1 year free)
Supplementary card: Free (up to 3 supplementary cards)
To earn an annual fee waiver for your OCBC Plus! Visa Credit Card, you must spend a minimum of at least S$2,500 in one year, starting from the month after your OCBC Plus! Visa Credit Card was issued.

What counts towards the minimum amount you must spend:
Retail transactions, monthly Instalment Payment Plans and monthly PayLite instalments, so long as the amount is shown in your statement during the year.

What does not count towards the minimum amount you must spend:
Cash-On-Instalments, cash advances and bank charges and any refunded amounts.
Late Payment Charge:S$100 if the minimum payment for OCBC Plus! Visa Credit Card is not received by us by payment due date.
Interest on Purchases: The effective interest rate is 25.92% per annum and is subject to compounding if the monthly charges are not received in full by us

How to apply

Get your credit card in

5 simple steps

Notices

Revision in Unity rebate for Plus! Visa Credit Card Rewards Programme (Effective from 1 January 2018)

Earn up to 12% rebate on your purchases at Unity with NTUC/OCBC Plus! Visa Credit or Debit Cards. From 1 January 2018, in-store bonus rebates awarded for transactions made using your NTUC/ OCBC Plus! Visa Credit or Debit card under the "FP Rebate" category will include rebates for purchases made at Unity stores. Click here for the revised Terms and conditions governing NTUC Plus!/Plus! Visa Cards Rewards Programme.

Update to Bonus LinkPoint rebate Programme

From 1 July 2017, NTUC Plus! Visa Credit/Debit Cardmembers can enjoy 1% LinkPoints rebate for recurring bill transactions charged to Circles.Life. Please click here for full Terms and Conditions.

Waiver of minimum spend requirement for Cheers

From 1 September 2017, we will waive the minimum spend requirement of $5 for Plus! and NTUC Plus! cardholders to earn LinkPoints at Cheers outlets. Linkpoints earned from all Visa transactions spent in Cheers will be awarded at the next card account statement.

Linkpoints not awarded for selected organisations

From 1 October 2017, 0.3% LinkPoints rebate will not be awarded for transactions charged to your NTUC Plus! Visa or OCBC Plus! Visa Cards by organisations under these Visa merchant classification codes (MCC): Charity and Social Service Organizations (MCC 8398), Religious Organizations (MCC 8661), Cleaning, Maintenance and Janitorial Services (MCC 7349), Real Estate Agents and Managers – Rentals (MCC 6513).

Update to Terms and Conditions Governing NTUC Plus!/Plus! Visa Card Rewards Programme

The Terms and Conditions Governing NTUC Plus!/Plus! Visa Card Rewards Programme will be revised from 1 September 2017.
We have made changes to Clauses 16, 17, 19(vi) and have also deleted Clause 23.
Please click here to view the revised terms and conditions.

Terms and conditions

Plus! Credit Cardmembers Agreement
OCBC Credit Cardmembers Agreement
Terms and conditions governing OCBC Deposit Accounts
Terms and conditions governing Plus! Deposit Accounts
Terms and conditions governing Electronic Banking Services
Terms and conditions governing NTUC Plus!/Plus! Visa Cards Rewards Programme

Illustration

Here’s how you can achieve at least S$400 worth of spend anywhere outside of FairPrice^{^} a month:

Esso service station	S$60
Town council bill	S$100
Telco bill	S$100
Insurance	S$50
Dining	S$20
Popular bookstore	S$50
EZ-Link top-up	S$50
Cheers	S$5
Department store	S$30
Total	S$465

^{^}Anywhere outside of FairPrice refers to Visa transactions made on your NTUC Plus!/OCBC Plus! Visa Credit or Debit Card outside of FairPrice, FairPrice Online, Warehouse Club and Unity.

calculation example

Here’s an example of how a typical NTUC Plus! Visa cardmember can earn 12% rebate with his NTUC Plus! Visa Card assuming he meets the minimum anywhere outside of FairPrice spend and credits his salary into his NTUC-OCBC Starter Account. Assuming he spent S$500¹ in FairPrice this month:

LinkPoints Rebate from FairPrice	LinkPoints Rebate from OCBC	Bonus LinkPoints from Salary Crediting into NTUC-OCBC Starter Account	FairPrice Annual Cash Rebate²
2 LinkPoints x S$500 = 1,000 LinkPoints	8.5 LinkPoints x S$500 = 4,250 LinkPoints	1.5 LinkPoints x S$500 = 750 LinkPoints	S$20 cash rebate
Total 6,000 LinkPoints worth S$40 (S$6.67 + S$28.33 + S$5)			S$20 worth of cash rebate
Total Savings: S$60 based on S$500 worth of purchases in FairPrice

150 LinkPoints = S$1

¹To earn LinkPoints on your purchases in FairPrice, you must charge at least S$20 per transaction.
²FairPrice Annual Cash Rebate is applicable to NTUC members who are FairPrice shareholders and rebate is applicable for all purchases in FairPrice up to S$6,000 per year.

Esso service station	S$80
Town council bill	S$120
Telco bill	S$120
Insurance	S$50
Dining	S$20
Popular bookstore	S$50
EZ-Link top-up	S$50
Cheers	S$20
Departmental store	S$50
Total	S$560

LinkPoints Rebate from FairPrice	LinkPoints Rebate from OCBC
2 LinkPoints x S$500 = 1,000 LinkPoints	8.5 LinkPoints x S$500 = 4,250 LinkPoints
Total 5,250 LinkPoints worth S$35 (S$6.67 + S$28.33)
Total Savings: S$35 based on S$500 worth of purchases in FairPrice

OCBC Plus! Visa Card

Singapore’s card of choice at FairPrice and more

Enjoy up to 12% rebate on your FairPrice and Unity spend and save even more with NTUC/OCBC Plus! Visa Credit Cards

What are NTUC Plus!/OCBC Plus! Visa Credit Cards

How our Credit Cards work

Key benefits

Key benefits

Key benefits

Also available as a Debit Card, click for full benefits.

Receive S$50 cash rebate with min. S$500 spent within the first 30 days of card approval.

Save even more

Promotions

Pump up your savings at Esso and FairPrice/Unity!

Up to 20.6% fuel savings at Esso

Additional Benefits

Link a new Esso Smiles Account with your NTUC/OCBC Plus! Visa Card

Additional discounts on dining, shopping, travel and more

Eligibility & Fees

Eligibility

Fees & charges

How to apply

Get your credit card in

5 simple steps

Notices

Terms and conditions

Choose your card

Choose your card

Choose your card

Up to 12% off

Up to 8% off

7% off

3% off

Illustration

Illustration