OCBC Plus! Visa Card

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Cards
OCBC Plus! Visa Card

Singapore’s card of choice at FairPrice and more

Enjoy up to 12% rebate on your FairPrice 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 works

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 and Warehouse Club¹
Up to 8% off at FairPrice Online¹ + Free Delivery¹⁷

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 and Warehouse Club²
3% off at FairPrice Online² + Free Delivery¹⁷

Key benefits

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

Up to 12% off at FairPrice Stores and Warehouse Club¹
Up to 8% off at FairPrice Online¹ + Free Delivery²³

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

7% off at FairPrice Stores and Warehouse Club²
3% off at FairPrice Online² + Free Delivery²³

^{^}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 Online, Warehouse Club and Unity.

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

Save even more

Up to 12% off at FairPrice Stores and Warehouse Club¹

Up to 8% off at FairPrice Online¹ + Free Delivery²³

Up to 18.5% fuel savings + earn 2.5% Smiles Savings at Esso

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

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3% off at Cheers¹⁶

3% off at Unity¹²

3% off at Popular¹⁶

1% LinkPoints rewards on M1, Starhub & Singtel recurring bills¹⁷

0.22% LinkPoints rewards on all Visa spendings¹⁸

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Earn LinkPoints rebates at over 200 participating Plus! merchants

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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$60 if the minimum payment for NTUC Plus! Visa Credit Card is not received by us by payment due date.
Late Fee Revision: From 1 June 2017, the late payment charge for the NTUC Plus! Visa Credit Card will be revised from S$60 to S$100.

OCBC Plus! Visa Credit Card

Principal card: S$80 per annum (First 1 year free)
From 1 January 2017, the annual fee for your Plus! Visa Credit Card (principal card only) will be revised to S$107, including GST.
Supplementary card: Free (up to 3 supplementary cards)
To earn an annual fee waiver for your OCBC Plus! Visa Credit Card, you must meet the minimum spending of at least S$2,500 in one year, starting from the month in which your OCBC Plus! Visa Credit Card was issued. Retail transactions, monthly Instalment Payment Plans and monthly PayLite instalments will all count towards the minimum spending required, so long as the amount is shown in your statement during the year and not refunded. However, Cash-On-Instalments, cash advances and bank charges or fees will not count.
Late Payment Charge:S$80 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.
Late Fee Revision: From 1 June 2017, the late payment charge for the OCBC Plus! Visa Credit Card will be revised from S$80 to S$100.

How to apply

Get your credit card in

5 simple steps

Notices

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.

Terms and conditions

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 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 works

Key benefits

Key benefits

Key benefits

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

Save even more

Promotions

Bounce Singapore

Enjoy spa treats starting from S$25 nett with LifeSpa

Unveil your most beautiful glow with SkinLab

Double your savings at Esso and FairPrice

Start your GSS shopping with Unity!

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