OCBC Plus! Visa Card Reviews and Comparison - Seedly
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OCBC Plus! Visa Card

  • Overview
  • Reviews (19)
  • Questions (0)
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Credit Cards/OCBC Plus! Visa Card
Credit Cards/OCBC Plus! Visa Card
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USER RATINGS

Speed of Approval

4.3

Ease of Fee Waiver

4.1

Customer Service

4.0

OCBC Plus! Visa Credit Card

7% at selected stores

CASHBACK

$500

MINIMUM SPEND

OCBC Plus! Visa Credit Card

7% at selected stores

CASHBACK

$500

MINIMUM SPEND

Details

Highlights of OCBC Plus! Visa Card Review 2020

  • Enjoy 7% rebate on your FairPrice and Unity spend
  • Up to 20.3% fuel savings at Esso, and 20% fuel savings at Caltex
  • 3% off at Cheers and 3% off at Popular
  • Link a new Esso Smiles Account with your OCBC Plus! Visa Card
  • Base 0.22% LinkPoint rebate on all VISA spendings
  • Minimum spend of S$500 monthly anywhere outside of FairPrice
  • Suitable for individuals who frequent FairPrice and are looking for cashback on their groceries but do not want to be NTUC Union members (annual membership fee: S$117)
  • Already an NTUC Union Member and FairPrice shareholder? You can check out the NTUC OCBC Plus! Credit Card which offers slightly higher cashback for its members.

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

Read More about OCBC Plus! Visa Card
Reviews (19)

4.1

19 Reviews

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  • Updated 2w ago

    Purchased

    OCBC Plus! Visa Credit Card

    Avoid OCBC cards. They are completely inflexible and employ robots on the form. They may sound like humans but they cannot think and are not empowered. Had a late charge incurred for 2 days. They refused to waive it regardless the circumstances. It's not faceless banking. It's useless banking. Citibank thus far has the best human touch. Forget the perks unless you really want to debase yourself and bank with OCBC.
    0 comments
    0
    Post
  • Updated on 31 Aug 2020

    Purchased

    OCBC Plus! Visa Credit Card

    One of the most user-friendly credit cards for grocery shopping but minimum $500 is harder to spend during Covid-19
    0 comments
    0
    Post
  • Updated on 24 Jun 2020

    Purchased

    OCBC Plus! Visa Credit Card

    [Promotions and Perks] Last week, I was able to purchase coffee, sphagetti, prata and toilet paper from NTUC at 50% off for Plus! Members Exclusive using OCBC Plus! Visa Card. Hence, weekly great savings for OCBC Plus! Visa Cardholders!
    0 comments
    0
    Post
  • Updated on 09 Jun 2020

    Purchased

    OCBC Plus! Visa Credit Card

    [Useful For...] Applied and get this card 6 months. It’s perfect card for NTUC. But since I’m not spent too much monthly, point collected also less.
    0 comments
    0
    Post
  • Posted on 10 Dec 2019

    Purchased

    OCBC Plus! Visa Credit Card

    Great card for use together with purchases in NTUC. There were some promotion with NTUC online app awhile ago as well (free delivery), though it is no longer around.
    0 comments
    0
    Post
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OCBC Plus! Visa Credit Cashback Card

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

OCBC Plus! Visa Card Review 2020

With the OCBC Plus! Visa Credit Card, cardmembers get to enjoy 7% rebate on FairPrice in-store, and 3% on FairPrice Online. Receive benefits of 3% at NTUC partner merchants - Unity and Warehouse Club. Plus! Visa Credit also offers competitive fuel savings at at least 20% for Caltex and Esso. It operates at a base 0.22% rebate rate on all VISA Spending. The LinkPoints accumulated can be used to redeem rewards or used to offset transaction amount at selected partner stores. To reap the rebates, you need at least a minimum spend of S$500 per month, outside of FairPrice.

These are some highlights of the OCBC Plus! Visa Card and the cashback benefits offered.

Key Benefits of OCBC Plus! Visa Card

Benefits of OCBC Plus! Visa Card

What You'll Get

Groceries (and other products by NTUC FairPrice partners)

7% off in-store purchases at FairPrice, Unity and Warehouse Club stores

3% off at FairPrice On

Spend a min of S$500 monthly anywhere outside of FairPrice to qualify for this discount

Petrol

  • Up to 20.3% fuel savings at ESSO, including 16% instant discount for all fuel + up to 2.3% Smiles Savings
  • Up to 20% fuel savings at Caltex, including 18% instant discount for all fuel

Telco

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

Others

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

Link Points

0.22% LinkPoints rebate on all VISA spendings

Bonus Interest Rates when you have a OCBC Plus! Savings Account

extra 0.15% p.a.

OCBC Plus! Visa Card - Benefits

Eligibility for OCBC Plus! Visa Card

To be eligible for the OCBC 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

Fees and Charges for OCBC Plus! Visa Card

  • Annual Principle Fee: $107 per annum (First year waived)
  • Annual Supplementary Card fee: Free (Up to 3 supplementary cards)
  • Fee waiver: Available (provided that you hit the minimum spending of at least S$2,500 in 1 year, starting from the month in which the card is issued)
  • Interest-Free Period: 23 days
  • Annual Interest Rate: 26.76%
  • 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

OCBC Plus! Visa Card Review 2020: How does OCBC Plus! Compare

Pros:

  • With the 7% LinkPoints rebate, it is great for shopping at NTUC Fairprice for Groceries
  • Additionally, you also get 3% LinkPoint rebates for drug stores essentials at Unity
  • Good 20% fuel savings for patrons of Esso and Caltex
  • Does not require an NTUC Union Membership (the annual fee for Plus! is also cheaper than that of the NTUC Union Membership and the OCBC NTUC Plus! Card)

Cons:

  • LinkPoints will expire if you do not remember to redeem them
  • Minimum monthly spend of S$500 anywhere outside of FairPrice
  • Not suitable if you are not a loyal customer of FairPrice, or simply do your grocery shopping at any other markets or supermarkets.

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 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.