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    OCBC NTUC Plus! Visa Card for Grocery

    Credit Card Application

    Shopping for groceries can get quite mundane when you have to do it over and over again. But here’s a card that can make it a lot more fun by giving you a variety of discounts. The OCBC NTUC Plus! Visa Card is designed to reward you every time you shop for groceries. It gives you a discount of up to 12% when you shop at FairPrice Stores, Warehouse Club, and Unity stores. Apart from this, you can also get a discount of up to 8% at FairPrice On. To get these discount rates, you need to spend at least S$400 every month on the card on transactions not related to FairPrice. If you spend a minimum of S$500 within the first month of getting your card approved, you are eligible to get a cash rebate of S$50. This card also gives you a wide range of other benefits including discounts of up to 20.6% at Esso fuel pumps and up to 18% savings at Caltex petrol stations. Get more discounts such as 3% off at Cheers and Popular, LinkPoints rewards of 1% on recurring bill payments with StarHub, M1, and Singtel, and other rewards on Visa transactions.

    Key Features

    Features Description
    Rebate at FairPrice and Unity Stores Up to 12%
    Rebate on online shopping Up to 8% rebate at FairPrice Online
    Rebate on out-store spend 1 LinkPoint for every S$3 spent
    Rebate on recurring bills (M1, SingTel, and StarHub) 0.33 LinkPoints for every S$1 spent
    Complimentary travel insurance Not available

    Additional Benefits

    • The card can be linked with a new Esso Smiles account. This way, you will be able to earn Smiles points with one card.
    • Earn 3% rebate on your purchases at Cheers and Popular bookstores.
    • Earn 0.22% LinkPoints rewards on your Visa transactions.
    • Exclusive discounts on shopping, dining, travel, and more at participating merchants.

    Earn Cash Rewards with OCBC NTUC Plus! Card

    In-store Bonus LinkPoints Rebate Programme

    • Up to 12% rebate at FairPrice supermarkets (including FairPrice Xtra, FairPrice Finest, and Warehouse Club) and Unity pharmacy stores. This includes 4% FairPrice annual cash rebate (only for NTUC members), up to 7% LinkPoints rebate, and 1% rebate for charging your in-store transactions to this card (applicable when you credit your salary of minimum S$1,000 in your NTUC-OCBC Starter Account).
      • You will earn 2 LinkPoints (1.33%) rebate for every S$1 spent at FairPrice stores. Additional 8.5 bonus LinkPoints (5.67%) rebate will be awarded if your minimum out-store spend is S$400, or 4 additional bonus LinkPoints (2.67%) if out-store spend is between S$200 and S$400.
    • Up to 8% rebate at FairPrice Online. This includes 4% FairPrice annual cash rebate (only for NTUC members), 3% LinkPoints rebate (4.5 LinkPoints for every S$1 spent), and 1% rebate for charging your in-store transactions to this card.
      • To be eligible for LinkPoints rebate, your minimum out-store spend should be S$400.
    • You must spend at least S$20 at FairPrice and Unity stores to earn LinkPoints rebate.
    • OCBC caps total bonus LinkPoints you can earn in a month at 4,250 LinkPoints if your minimum out-store spend is S$400 (or 2,000 bonus LinkPoints if your out-store spend is more than S$200 but less than S$400).

    Other bonus LinkPoints

    • 4.5 LinkPoints for every S$1 spent at Popular and Cheers bookstores.
    • 0.33 LinkPoints for every S$1 spent on recurring bills from M1, StarHub, Circles.Life, and SingTel. Additional 1.17 LinkPoints will be credited within the next 60 days.
    • 1.5 LinkPoints for every S$1 spent on recurring NTUC membership fee.
    • The maximum “other bonus LinkPoints” you can earn in a month is 3,000 LinkPoints.

    Out-store transactions

    • Out-store transactions rebate is awarded on any transaction made outside FairPrice and Unity stores.
    • 1 LinkPoint is awarded for every S$3 spent.

    Calculate Cash Rebate from OCBC NTUC Plus! Visa Card

    Assuming that you are an NTUC member and you meet the minimum out-store spend requirement of S$400.

    Spend Categories/Rebate Monthly Spend FairPrice Cash Rebate LinkPoints Rebate Rate LinkPoints Rebate Earned
    Grocery Shopping at FairPrice stores S$200 S$8 (4% of S$200) 10.5 LinkPoints for every S$1 spent (includes 2 LinkPoints from FairPrice and 8.5 LinkPoints from OCBC) 2,100 LinkPoints
    Shopping at FairPrice Online S$200 S$8 (4% of S$200) 4.5 LinkPoints for every S$1 spent 900 LinkPoints
    Books purchased from Cheers and Popular bookstores S$100 4.5 LinkPoints for every S$1 spent 450 LinkPoints
    Recurring bills from M1, StarHub, Circles.Life, and SingTel S$100 1.5 LinkPoints for every S$1 spent (0.33 + 1.17) 150 LinkPoints
    Out-store spending S$1,000 1 LinkPoint for every S$3 spent 333.33 LinkPoints
    Total spend S$1,600 Total FairPrice cash rebate earned: S$16 Total LinkPoints rebate earned: 3,933.33 LinkPoints (150 LinkPoints = S$1, therefore, 3,933.33 LinkPoints = S$26.22)

    OCBC NTUC Plus! Visa Card Interest Rate

    Type of Interest Charge
    Retail Purchases 25.92% p.a.
    Cash Advance 28.92%
    Instalment Payment Plan 0% p.a.

    OCBC NTUC Plus! Visa Card Fees & Charges

    Type of charge Charge
    Annual fee NIL (only NTUC membership fee applies)
    Type of Charge Charge
    Overseas Transaction Fee
    • OCBC’s administrative fee: 1.8% of the transaction amount
    • Fee charged by Visa: 1% of the transaction amount
    Late Payment Fee S$100
    Cash Advance Fee 6% of the withdrawal amount or S$15, whichever amount is higher
    Supplementary Card Fee Free

    Eligibility

    To check your eligibility for this card, please visit our OCBC credit cards.

    How to Activate OCBC NTUC Plus! Card for Overseas Use?

    You will have to activate your card before you can use it overseas. The magnetic stripe on the back of your card is deactivated to protect you from unauthorised transactions. Without activating the magnetic stripe, you will be able to use the card only at merchants who use the EMV chip system.

    You can activate the stripe in any one of the following ways:

    • Online banking.
    • Visit OCBC’s website.
    • Visit any branch of OCBC with your Passport or NRIC.
    • Call OCBC’s customer care team, if you have your phone banking PIN.

    Instalment Payment Plans Available

    PayLite

    • Convert your purchases worth at least S$100 into interest-free, monthly instalments.
    • You can spread your instalments over a period of up to 24 months.
    • One-time processing fee of 3% of the transaction amount applies.
    • You can apply for PayLite by filling out an online form, via online banking, or by calling the bank’s customer service team.

    0% Interest Instalment Plan

    • This plan allows you to convert your large credit card purchases into interest-free instalments.
    • Applies only to the purchases made at participating merchants.

    How Much Cash Can I Withdraw?

    • If your OCBC card was approved before 22 August 2012, you can withdraw any amount depending on your available credit limit.
    • If your card was approved on/after 22 August 2012, you can withdraw up to 70% of your credit limit.
    • The maximum amount you can withdraw from an OCBC ATM is S$1,000 per transaction (capped at S$20,000 per day).
    • Overseas ATM withdrawal limits may vary. You can contact the bank to know your overseas ATM withdrawal limit.

    Lost or Stolen Card?

    • You must notify the bank immediately.
    • You can call the bank’s 24-hour hotline to report the same.
    • In case of any unauthorised charges to your card, your liability will be limited to S$100. However, you will have to prove that the lost/theft was not a result of your negligence.
    BankBazaar prides itself in giving great guidance on picking the best card. If you want to apply for a credit card for the first time, you can visit our website to get more information on cards. This will help you get a better understanding of which card you should select.
    Credit Card Tips

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    What Else Do I Need to Know

    How to Enable/Disable Auto Debit & Standing Instructions?

    Fill and submit the GIRO form

    You can use the interbank GIRO form from OCBC website to set up a monthly automatic credit card payment. You can either pay the full statement amount or the minimum amount needed to be paid.

    How to Apply for the Card & Check the Application Status?

    Apply for this card by going online to the webpage of the card. Fill the online form and attach the required documents before submitting. You could also go to one of OCBC’s Singapore branches. Find the status of your card application by getting in touch with the bank.

    How to Check OCBC NTUC Plus! Card Balance?

    SMS/phone/mobile/internet banking

    Check the balance on your OCBC card and the available credit in the ways mentioned below:

    • SMS Banking
    • Phone Banking
    • Mobile Banking
    • Internet Banking

    How Can the Bill Be Paid?

    PayNow/FAST/GIRO/Mobile banking and others

    You can pay your credit card bill in the ways mentioned below:

    • FAST
    • Cash
    • eNets
    • Cheque
    • PayNow
    • Demand Draft
    • AXS Terminals
    • Interbank GIRO
    • Phone Banking
    • Mobile Banking
    • Internet Banking
    • Internet Banking
    • OCBC Pay Anyone
    • NETS or CashCard
    • Telegraphic Transfer
    • Pay by any other credit/debit card

    How Much Is the Minimum Payment to Be Made on the Card?

    3% of the balance or S$50

    Pay S$50 or 3% of the balance (whichever is greater) if you have any unsettled amount within the credit limit. If you have unsettled amount exceeding the credit limit, pay 3% of the balance and the amount above the limit and any amount overdue.

    What Is the Grace Period?

    23 Days

    You will get a grace period of 23 days. This means that you won’t have to pay any interest charges on the transactions for this duration. It is applicable only if your previous months’ bills have all been fully paid.

    Which Mobile Wallets Can This Card Be Used With?

    Samsung Pay/Apple Pay/Garmin Pay/Fitbit Pay/Google Pay

    You can make use of the following mobile wallets with your OCBC NTUC Plus! Card:

    • Fitbit Pay
    • Apple Pay
    • Garmin Pay
    • Google Pay
    • Samsung Pay

    Can It Be Used With EZ-Link?

    Yes

    Yes, you can use your OCBC card with EZ-Link. Once your EZ-Link card is running low, an automatic top-up will be done that will be charged to your OCBC card.

    How to Block or Unblock the Card?

    Call the hotline number

    Block or unblock your credit card by calling the 24/7 hotline number.

    How to Reset the PIN?

    Use phone banking

    Use your phone banking credentials to reset your credit card PIN

    How to Temporarily Increase the Limit of the Card?

    Call the customer support

    Contact the OCBC customer support helpline for this service.

    What Is the Billing Cycle and the Bill Due Date?

    Can be seen in monthly statement

    Find the due date of payment and the billing cycle on your monthly statement. The billing cycle depends on the number of working days in the period.

    How to Get a Replacement Card?

    Contact the bank

    You can get a replacement card by getting in touch with the bank and stating the reasons why you need a replacement.

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