NTUC Plus! Visa Credit Card

Your card of choice at FairPrice and more

Why you will love this

Up to 12% off in-store purchases at FairPrice, Unity and Warehouse Club stores

Up to 8% off on online purchases at FairPrice

Up to 20.3% fuel savings

Who can apply

Singaporean or Singapore PR above 21 years old with an annual income of at least S$30,000

Foreigner above 21 years old with an annual income of at least S$45,000

Only eligible for NTUC Union member. Not an NTUC Union member? Click here

 

Up to S$100 cashback for new applicants Find out more

Earn and save year-round! Get up to 12% rebate at FairPrice and enjoy LinkPoints rebates at participating Plus! merchants - save on fuel, telco bills and other daily essentials.

Comparison
Only eligible for NTUC Union members

NTUC Plus! Visa Credit Card

OCBC Plus! Visa Credit Card



Spend a minimum of S$400 monthly anywhere outside of FairPrice^ to qualify for:

Spend a minimum of S$500 monthly anywhere outside of FairPrice^ to qualify for:

Up to

12%

off

Up to

7%

off

in-store purchases at FairPrice, Unity and Warehouse Club stores

in-store purchases at FairPrice, Unity and Warehouse Club stores

Up to

8%

off

Up to

3%

off

on monthly online purchases made at FairPrice

on monthly online purchases made at FairPrice



^Anywhere outside of FairPrice spend refers to Visa transactions made on your NTUC Plus!/OCBC Plus! Visa Credit or Debit Card outside of FairPrice (in-store & online), Warehouse Club and Unity.

Rewards

Greater savings on your daily spending
Reward yourself with exclusive discounts and lifestyle deals for your day-to-day spending.

FairPrice

FairPrice

Plus!

Plus!

FairPrice

FairPrice

Plus!

Plus!

12%

a month

Groceries

  • Up to 12% off in-store purchases at FairPrice, Unity and Warehouse Club stores
  • Up to 8% off on online purchases at FairPrice
  • Up to 12% off in-store purchases at FairPrice, Unity and Warehouse Club stores
  • Up to 8% off on online purchases at FairPrice

20.3%

a month

Petrol

  • Up to 20.3% fuel savings at Esso (including 16% instant discount for all fuel)
  • Up to 20% fuel savings at Caltex (including 18% instant discount for all fuel)

Find out more

  • Up to 20.3% fuel savings at Esso (including 16% instant discount for all fuel)
  • Up to 20% fuel savings at Caltex (including 18% instant discount for all fuel)

Find out more

1%

a month

Telco

  • 1% LinkPoints rebate on M1, Singtel and Starhub recurring bills
  • 1% LinkPoints rebate on M1, Singtel and Starhub recurring bills

3%

a month

Other expenses

  • 3% off at Cheers and Popular
  • 3% off at Cheers and Popular

0.22%

a month

Link points

  • 0.22% LinkPoints rebate on all Visa spendings
  • 0.22% LinkPoints rebate on all Visa spendings

Terms and conditions apply.

benefits

Fuel savings

Link your Esso Smiles Account to your card to transfer your existing Smiles Points and enjoy greater fuel savings.

Frequently Asked Questions

Link your Esso Smiles Account to your card to transfer your existing Smiles Points and enjoy greater fuel savings.

Frequently Asked Questions

Exclusive perks

Take advantage of our exclusive card promotions with OCBC Cards islandwide.

Find out more

Take advantage of our exclusive card promotions with OCBC Cards islandwide.

Find out more

Plus! App

Check your LinkPoints balance, review your transaction history, collect stamps from Plus! Partners to redeem rewards, and explore shopping, traveling and dining deals and discounts all in one app.

Download the app

View latest Plus! Promotions

Check your LinkPoints balance, review your transaction history, collect stamps from Plus! Partners to redeem rewards, and explore shopping, traveling and dining deals and discounts all in one app.

Download the app

View latest Plus! Promotions

Limited time offers

Starguard 3-ply Medical Grade Face Masks Promotion

Starguard 3-ply Medical Grade Face Masks Promotion

Get an additional S$5 off 2 boxes of Starguard 3-ply Medical Grade Face Masks (U.P. S$19.90) with your OCBC Card.

Valid from 24 to 30 September 2020 at all FairPrice, FairPrice Finest, FairPrice Xtra, Unity and Warehouse Club stores for all OCBC Cardmembers.

Whilst stocks last.

Terms and conditions apply.

Old Hong Kong Mooncakes Promotion

Old Hong Kong Mooncakes Promotion

Enjoy S$17 off any 2 boxes of Old Hong Kong Mooncakes (U.P. S$46.80 per box) with your OCBC Card.

Valid from 19 to 30 September 2020 at all FairPrice, FairPrice Finest, FairPrice Xtra and Warehouse Club stores for all OCBC Cardmembers.

Whilst stocks last.

Terms and conditions apply.

Up to S$100 cashback

Earn up to S$100 cashback when you apply for a new NTUC/OCBC Plus! Visa Card and Starter Account

S$50 cashback with card approval plus additional S$50 cashback when you credit your salary into your new Starter Account.

Terms and conditions apply.

Exclusive savings account

Exclusive NTUC-OCBC Starter Account

Sign up with NTUC Plus! Credit Card and be entitled to receive an exclusive NTUC-OCBC Starter Account that earns you up to 0.65% a year interest on your savings, with no initial deposit or monthly fee required.

Interest rate for NTUC-OCBC Starter Account

Base interest rate

Amount in account Entire account balance
Prevailing rates (per year) 0.05%
Amount in account
Prevailing rates (per year)

To get the most out of your NTUC-OCBC Starter Account, simply

Credit your salary of S$1,000 or more a month via GIRO and make 3 transactions on your NTUC Plus! Visa Credit/Debit card to enjoy additional 0.60% a year interest rate on your first S$50,000 deposits!

Amount in account First S$50,000
Prevailing rates (per year) 0.60%
Amount in account
Prevailing rates (per year)

Additional benefits you can enjoy with your NTUC-OCBC Starter Account

  • No initial deposit or minimum balance required
  • No monthly service fee
  • Chequebook available upon request
before you apply

Eligibility requirements

Minimum age

21 years old

Annual income

S$30,000 and above for Singaporeans and Singapore PRs

S$45,000 and above for foreigners

Prerequisite

You must be an NTUC Union member to be eligible for the NTUC Plus! Visa Credit Card. If you cease to be an NTUC Union member, OCBC Bank reserves the right to cancel your NTUC Plus! Visa Credit Card and issue you an OCBC Plus! Visa Credit Card. When this happens, the Bank reserves the right to convert your NTUC-OCBC Starter Account to a Plus! Savings Account.


Fees (NTUC Plus! Visa Credit Card)

Principal card

Free (prevailing NTUC Membership fee applies)

Supplementary card

Free (up to 3 supplementary cards)

Other fees and charges

Click here for more fees and charges


Fees (NTUC-OCBC Starter Account)

Early account closure fee

S$30 if closed within first 6 months

Cash withdrawal overseas via Visa Plus

3% of withdrawal (min. S$5 / max S$20)

Excess fee

4.75% of prime rate; no min. amount

Sales draft

S$20 per draft

Failed GIRO

S$10



Important notices

Credit Bureau Singapore
Please note that additional time may be needed to review your application as Credit Bureau Singapore will be synchronising data from 12am to 8am daily.

MyInfo
MyInfo will be temporarily unavailable from 2am to 8.30am every Wednesday and Sunday due to scheduled maintenance.

System Maintenance
Please note that your product may not be availed to you instantly during system maintenance hours between 9.30pm to 6am.


Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.


Plus! Visa Card is a banking product provided by Oversea-Chinese Banking Corporation Limited for Plus! U.

Ways to apply

Apply for the NTUC Plus! Visa Credit Card today

FAQs
Common questions
Do all transactions qualify for rebates on NTUC Plus!/Plus! Visa Cards and what are the transactions that have recently been excluded from NTUC Plus!/Plus! Visa Card Rewards Programme?

The following list of MCCs and merchant transactions will not be taken into account in the award and computation of cash rebates:

  • Bill payment made through the OCBC Internet Banking platform
  • Bill payment made through any AXS network
  • Instalment payment plans charged to your NTUC Plus! / Plus! Visa Credit Card
  • PayLite transactions charged to your NTUC Plus! / Plus! Visa Credit Card
  • Instalment payment for Cash-On-Instalments monthly repayments on your NTUC Plus! / Plus! Visa Credit Card
  • Visa transactions made at TransitLink General Ticketing Machines
  • Transactions which are categorized into the following MCC Codes listed within Clause 18 of the Terms and Conditions
  • The following MCCs and merchant transactions will be added to the list of exclusions for the NTUC Plus!/Plus! Visa Card Rewards Programme from 1 June 2020. You may refer to Terms and Conditions for the full list of excluded MCCs and merchant transactions.

MCC

Description

7349

Cleaning, maintenance and janitorial services

8062

Hospitals

(only Singapore Government Public Hospitals transactions are excluded)

4784

Tolls and Bridge Fees

5993

Cigars Stores and Stands

What is the difference between transaction date and posting date?

Transaction date refers to the date when a purchase is made.

Posting date refers to the date the transaction is received by the card issuer, OCBC Bank. Merchants may only post the transaction a couple of days after the actual transaction is made. Hence, a purchase made in a particular month may only be posted in the following month’s statement. OCBC Bank has no control over when the merchant posts the transaction.  

How does the NTUC-OCBC Starter Account interest rates work?

NTUC-OCBC Starter Account interest rates:

  Eligible account balance Prevailing interest rates
Base interest rates Entire account balance 0.05% a year
Bonus interest rates* First S$50,000 0.60% a year
*Bonus interest rates are applied for customers who credit their salary of S$1,000 or more a month via GIRO and make 3 transactions on their NTUC Plus! Visa Credit/Debit card.

Scenario 1: If customer has S$60,000 and does Salary Credit of at least S$1,000 via GIRO + 3 Visa transactions on his NTUC Plus! Visa Credit/Debit Card monthly,

  • On his first S$50,000, he earns interest at 0.65% per year
  • On his next S$10,000, he earns interest at 0.05% per year

Scenario 2: If customer has S$60,000 and does not Salary Credit of at least S$1,000 via GIRO + 3 Visa transactions on his NTUC Plus! Visa Credit/Debit Card monthly,

  • On his full S$60,000, he will earn interest at 0.05% per year
My NTUC-OCBC Starter Account is dormant, how do I activate it?

Should you wish to reactivate the account remotely, you may do so via OCBC Internet Banking. Or you may choose to visit any OCBC branch to perform a simple over-the-counter transaction (e.g. a deposit or withdrawal of any amount).