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OCBC NTUC Plus! Visa Credit Card

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Summary

Summary of OCBC NTUC Plus! Visa Credit Card Review 2022

OCBC NTUC Plus! Visa Credit Card is a credit card NTUC Union members should apply for as it offers cash rebates of up to 12% on your grocery purchases. It also provides attractive promotions and discounts off online grocery shopping at NTUC and also at select petrol stations and convenience stores.

Why you should apply for OCBC NTUC Plus! Visa Credit Card?

  • Exceptional Cash Rebates of up to 12% for in-store spending on groceries if conditions are met at Fairprice, Unity and Warehouse Club with the OCBC NTUC Plus! Visa Credit Card
  • Online shoppers at Fairprice can also enjoy up to 9% off at Fairprice
  • Up to 20.3% fuel savings at Esso, and 18,1% at Caltex
  • 3.0% off at Cheers and Popular
  • 1.0% LinkPoint rebate for M1, Singtel and Starhub Telcos
  • Base LinkPoint rebate rate of 0.22% for all eligible VISA spendings

Can you enjoy annual fee waiver for OCBC NTUC Plus! Visa Credit Card?

  • Yes, the annual fee for the OCBC NTUC Plus! Visa Credit Card of $192.60 (inclusive of GST) is waived for the first and second year

Who should apply for the OCBC NTUC Plus! Visa Credit Card?

  • NTUC Union members - card is only available for use to NTUC union members
  • Regular grocery shoppers will stand to benefit the most
  • Drivers who regularly patronise Esso and Caltex

What is the minimum income requirement for the OCBC NTUC Plus! Visa Credit Card?

  • Singapore/PR: Minimum Income of S$30,000
  • Non-Singaporean Minimum Income of S$60,000

Find out about the card's host of benefits, charges, promotions and eligibility criteria below.

...see more

Popular Products

Summary

Summary of OCBC NTUC Plus! Visa Credit Card Review 2022

OCBC NTUC Plus! Visa Credit Card is a credit card NTUC Union members should apply for as it offers cash rebates of up to 12% on your grocery purchases. It also provides attractive promotions and discounts off online grocery shopping at NTUC and also at select petrol stations and convenience stores.

Why you should apply for OCBC NTUC Plus! Visa Credit Card?

  • Exceptional Cash Rebates of up to 12% for in-store spending on groceries if conditions are met at Fairprice, Unity and Warehouse Club with the OCBC NTUC Plus! Visa Credit Card
  • Online shoppers at Fairprice can also enjoy up to 9% off at Fairprice
  • Up to 20.3% fuel savings at Esso, and 18,1% at Caltex
  • 3.0% off at Cheers and Popular
  • 1.0% LinkPoint rebate for M1, Singtel and Starhub Telcos
  • Base LinkPoint rebate rate of 0.22% for all eligible VISA spendings

Can you enjoy annual fee waiver for OCBC NTUC Plus! Visa Credit Card?

  • Yes, the annual fee for the OCBC NTUC Plus! Visa Credit Card of $192.60 (inclusive of GST) is waived for the first and second year

Who should apply for the OCBC NTUC Plus! Visa Credit Card?

  • NTUC Union members - card is only available for use to NTUC union members
  • Regular grocery shoppers will stand to benefit the most
  • Drivers who regularly patronise Esso and Caltex

What is the minimum income requirement for the OCBC NTUC Plus! Visa Credit Card?

  • Singapore/PR: Minimum Income of S$30,000
  • Non-Singaporean Minimum Income of S$60,000

Find out about the card's host of benefits, charges, promotions and eligibility criteria below.

...see more

OCBC NTUC Plus! Visa Credit Card

Up to 12% at selected stores
CASHBACK

OCBC NTUC Plus! Visa Credit Card

Up to 12% at selected stores

CASHBACK

Reviews (33)

4.5

33 Reviews

5
21
4
8
3
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2
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1
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Service Rating

Speed of Approval

4.6

Ease of Fee Waiver

4.5

Customer Support

4.4

      Posted 31 Aug 2021

      Purchased

      OCBC NTUC Plus! Visa Credit Card

      Easy to use card. Can earn linkpoint at fairprice Esso and more. Payment wise I always transfer through DBS.

      0

      What are your thoughts?

      Posted 27 Jul 2021

      Purchased

      OCBC NTUC Plus! Visa Credit Card

      Must have if you are union member - it's free! Comes with many perks at retails stores, such as F&B.

      0

      What are your thoughts?

      07 Jul 2021

      Purchased

      OCBC NTUC Plus! Visa Credit Card

      [Promotions and Perks] I use this as a supplementary card, my mum has had this card for ages now. My main intention is really to clock the NTUC points whenever grocery shopping and also as a backup credit card. Works well and have redeemed LinkPoints from it which is great!

      0

      What are your thoughts?

      10 Aug 2020

      Purchased

      OCBC NTUC Plus! Visa Credit Card

      Easy to apply. Great for my purchases at NTUC, can accumulate points to redeem vouchers for my future purchases.

      0

      What are your thoughts?

      08 Jul 2020

      Purchased

      OCBC NTUC Plus! Visa Credit Card

      One of my favorite card for use as the rebates, discounts, cashback, promotions and deals are the best. Yearly dividends will offset our annual fee if we always use it. Will recommend this card to friends or relatives.

      0

      What are your thoughts?

      29 Jun 2020

      Purchased

      OCBC NTUC Plus! Visa Credit Card

      Most of the vendors accepting this card and up to 12% rebates at FairPrice Stores, Unity and Warehouse Club and up to 8% rebate at FairPrice Online with salary credit. Annual fee waived as a NTUC member. The LinkPoints you accumulated can then be used to offset your next purchase at selected Plus! Partners.👍👍♥️

      0

      What are your thoughts?

      29 Jun 2020

      Purchased

      OCBC NTUC Plus! Visa Credit Card

      Still my number 1 preferred card till now as of 2020. Take a look of the benefits below. Upcoming offer. $1 value breakfast meal (consisting of 1 cup of coffee or tea, 2 slices of toasted kaya butter bread and 2 soft boiled eggs) before 11am from 3rd July to 31st August 2020. Annual fee wavier. Earn LinkPoints as you charge all payments (including bills) to the card. Redeem the LinkPoints for NTUC Vouchers which have 2 years' expiry. Get value meals at member's rate by showing your card at NTUC FoodFare eg. S$1.80 for breakfast.

      0

      What are your thoughts?

      29 Jun 2020

      Purchased

      OCBC NTUC Plus! Visa Credit Card

      It beats having to carry a separate card to clock link points. If you are more likely to do self check out most times, this card will be great for you.

      0

      What are your thoughts?

      09 Jun 2020

      Purchased

      OCBC NTUC Plus! Visa Credit Card

      [Fee Waivers] OCBC is unfortunately more strict with the fee waivers... [Useful For...] super Good cash back if you often patronage Fairprice....I can say no card gives better cash back / rebate (in dollar sense) than this card for purchase at Fairprice.

      0

      What are your thoughts?

      08 Jun 2020

      Purchased

      OCBC NTUC Plus! Visa Credit Card

      Buy groceries in NTUC and you are a member of NTUC, a card must-have, together with other discount and benefit.

      0

      What are your thoughts?

    Discussions (0)

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      Popular Products

      OCBC Plus! Visa Credit Card

      New to credit cards? Here's your complete guide to cashback credit cards.

      Key Features and Benefits of OCBC NTUC Plus! Visa Credit Card

      As its name suggests, the NTUC Plus! Visa Credit Card provides great rewards of up to 12.0% off for shopping at Fairprice (and its partner merchants like Unity and Warehouse Club). For online shoppers, receive up to 8.0% rebates off online Fairprice purchases. Other daily necessities like petrol and telco bills receive up to 20.3% off and 1.0% LinkPoint rebate respectively. However, there are additional conditions that need to be met before one can maximise earning the rebates of purchases from Fairprice and its partner merchants (explained in the next section). There is also a minimum spend of S$400 VISA transactions outside of FairPrice necessary to qualify for additional the high cashback rates advertised.

      These are some highlights of the OCBC NTUC Plus! Visa Credit Card and the cashback benefits to offer:

      Benefits of OCBC NTUC Plus! Visa Credit Card

      What You'll Get

      Groceries
      (and other products by NTUC FairPrice partners)

      12% off at FairPrice Stores, Unity and Warehouse Club

      8% off at FairPrice Online

      Spend a min of S$400 monthly anywhere outside of FairPrice to qualify for this discount

      Petrol

      • Up to 20.3% fuel savings at Esso, including 16% instant discount on all fuel
      • Up to 20% of fuel savings at Caltex, including 18% instant discount on all fuel

      Telco

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

      Others

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

      LinkPoints

      • 0.22% LinkPoints rewards on all Visa Spendings

      Bonus Interest Rates when you have a NTUC-OCBC Starter Savings Account

      up to 0.90% p.a. of bonus interest rate

      OCBC NTUC Plus! Visa Credit Card - Benefits

      Cash Back Break Down for OCBC NTUC Plus!

      LinkPoints rebate from FairPrice

      (awarded at the end of transaction)

      Bonus Link Points Rebate from OCBC

      (awarded the following month)

      Bonus LinkPoints rebate from OCBC for Salary Credited into NTUC-OCBC Starter Account

      FairPrice Annual Cash Rebate
      (for NTUC FairPrice shareholders)

      Total Rebates

      1.33% (2 LinkPoints)

      5.67% (8.5 LinkPoints)

      1.00% (1.5 LinkPoints)

      4.00%

      12.00% rebate

      Breakdown of 12% of rebates for in-store purchases at FairPrice, Unity and Warehouse Club stores
      150 LinkPoints = S$1

      Rebate in LinkPoints
      (awarded within 60 days of transaction)

      Bonus LinkPoints rebate from OCBC for Salary Credited into NTUC-OCBC Starter Account

      FairPrice Annual Cash Rebate
      (for NTUC FairPrice shareholders)

      Total Rebates

      3.00%

      1.00%

      4.00%

      8.00%

      Breakdown of 8% of rebates for monthly online purchases made at FairPrice
      150 LinkPoints = S$1

      For 12.0% off in-store purchases at Fairprice, Unity and Warehouse Club Stores

      • LinkPoints rebate awarded at point of transaction - 1.33%
      • Bonus LinkPoints rebate from OCBC - 5.67% (awarded at last day of the following month of the transaction)
      • Bonus LinkPoint rebate for crediting salary into the NTUC-OCBC Starter Account - 1.00%
      • FairPrice annual cash rebate (for shareholder members, with at least S$6,000 of annual spend in FairPrice - 4.00%

      For 8.0% off on monthly online purchases made at FairPrice

      • Rebate in LinkPoints - 3.00% (awarded within 60 days of transaction)
      • Bonus LinkPoint rebate for crediting salary into the NTUC-OCBC Starter Account - 1.00%
      • FairPrice annual cash rebate (for shareholder members, with at least S$6,000 of annual spend in FairPrice - 4.00%

      Eligibility for OCBC NTUC Plus! Visa Credit Card

      To be eligible for the OCBC NTUC Plus! Visa Card, you'll have to meet the following criteria:

      • Be at least 21 years old
      • For Singaporeans and PRs: Minimum annual income of $30,000
      • For foreigners: Minimum annual income of $45,000
      • You must be a NTUC Union member to be eligible for NTUC Plus! Visa Credit Card

      Fees and Charges for OCBC NTUC Plus! Visa Credit Card

      • Annual Principle Fee: Free (Prevailing NTUC Membership fee applies)
      • Annual Supplementary Card fee: Free (Up to 3 supplementary cards)
      • Fee waiver: Available (provided that you hit the minimum spending of at least S$1,200 in 1 year, starting from the month in which the card is issued)
      • Interest-Free Period: 23 days
      • Annual Interest Rate: 26.88%
      • Minimum monthly payment: 3% or $50, whichever is higher
      • Late payment charge: $100
      • Cash advance fee: 6% or $15, whichever is higher
      • Administration Fee: S$150 to accelerate payment of automatic instalments
      • Extension of instalment term: 3% of outstanding amount applies for 3- and 6-month term extension, and 5% of outstanding amount applies for 12-month term extension

      The Best Cash Back Credit Cards Review 2020: How does OCBC NTUC Plus! Visa Compare?

      Pros

      • Excellent for patrons of NTUC Fairprice, offering at least 7.00% rebates on groceries, and can go as high as 12.00% if you meet the other criteria
      • Pretty decent petrol cashback rates as well
      • Suitable for everyday essentials as it covers the bases of groceries, petrol, stationery and pharmacy needs.

      Cons

      • Pre-requisite of being an NTUC Union member to be eligible for the NTUC Plus! Visa Credit Card
      • The tiered 12% rebate is not achievable for everyone as it requires additional salary crediting and the requirement of the cardmember to be a FairPrice shareholder.
      • Apart from the groceries and patrol category, other areas of spending do not have competitive cashback rates.
      • Not suitable for other non-essential genres of spending
      • Overall, if you are neither going to credit your salary into the Plus! Savings account nor have a stake in FairPrice, you might just be better off getting other cashback cards for groceries, like the OCBC Plus! Credit Card, instead of this OCBC NTUC Plus! Card. Also, if you are not regular patrons of NTUC FairPrice, then it would be better for you to consider other cashback cards for Groceries.

      Still unsure? Find out everything you need about credit cards - including what the best credit cards in Singapore are for miles and cashback, factors to consider before getting one, fees to know, and why a good credit score matters.

      You can also pose questions (anonymously, if you'd prefer) on  Seedly Community.

      How to Apply for OCBC NTUC Plus! Visa Credit Card

      • Apply Online (option to apply via MyInfo available) or
      • Visit OCBC Branches

      About OCBC

      The Overseas-Chinese Banking Corporation, Limited - or OCBC Bank - is headquartered in Singapore. Its inception in 1932 was the result of a merger of three local banks. As the second-largest bank in Southeast Asia, the multinational banking and financial services has assets of close to $468 billion. It has an Aa1 rating from Moody's, and an AA-rating from Standard & Poor's.

      At present, the bank has over 570 branches across 18 countries and regions. Its services range from commercial banking and specialist financial and wealth management to asset management, stockbroking, insurance and treasury services.