If you’re a resident of Singapore, you may already be familiar with the National Trades Union Congress (NTUC) and the Oversea-Chinese Banking Corporation (OCBC). Both are well-known entities in their respective fields. But did you know that they have teamed up to offer a credit and debit card that comes with a host of benefits? The NTUC-OCBC Credit or Debit Card is an excellent choice for anyone looking to maximise their savings and rewards.
With this card, you can enjoy up to 12% rebate at FairPrice stores, 8% rebate at Unity stores, and 3% rebate on electricity bills from SP Group. Plus, you can earn LinkPoints on all your purchases, which can be redeemed for vouchers and discounts. But that’s not all. The NTUC-OCBC Credit or Debit Card also offers exclusive deals and promotions with various merchants, including dining, travel, and entertainment.
If you’re interested in applying for the NTUC-OCBC Credit or Debit Card, keep reading to find out more about the eligibility criteria, application process, and other key features. In the following sections, we’ll take a closer look at what this card has to offer and how you can make the most of it.
Key Takeaways
- The NTUC-OCBC Credit or Debit Card offers up to 12% rebate at FairPrice stores, 8% rebate at Unity stores, and 3% rebate on electricity bills from SP Group, as well as LinkPoints on all your purchases.
- You can enjoy exclusive deals and promotions with various merchants, including dining, travel, and entertainment.
- To apply for the card, you must meet the eligibility criteria and complete the application process. Once you have the card, you can maximise its value by using it strategically and taking advantage of the various benefits and features.
Overview of NTUC-OCBC Cards
If you are looking for a credit or debit card that offers attractive rewards and benefits, then you should consider the NTUC-OCBC cards. The NTUC-OCBC cards are co-branded cards that are issued by OCBC Bank in partnership with the National Trades Union Congress (NTUC). These cards offer a range of benefits and privileges that are designed to meet the needs of NTUC members.
NTUC Plus! Visa Card
The NTUC Plus! Visa Card is a debit card that offers attractive rebates and discounts on your daily expenses. With this card, you can enjoy up to 8% rebate on your purchases at FairPrice stores. You can also earn up to 12% rebate when you shop at FairPrice Online and Unity stores. In addition, you can enjoy discounts on fuel purchases and other benefits when you use your NTUC Plus! Visa Card.
NTUC-OCBC Starter Account
The NTUC-OCBC Starter Account is a savings account that is designed for young adults who are just starting out. This account offers attractive interest rates and other benefits that are designed to help you save money and manage your finances. With the NTUC-OCBC Starter Account, you can enjoy free access to ATMs, internet banking, and mobile banking services. You can also earn bonus interest rates on your savings when you meet certain conditions.
Overall, the NTUC-OCBC cards are a great choice for anyone who wants to enjoy attractive rewards and benefits while managing their finances. Whether you are looking for a credit or debit card, or a savings account, the NTUC-OCBC cards have something to offer. So why not sign up for an NTUC-OCBC card today and start enjoying the benefits?
Key Benefits and Features
If you are considering getting an NTUC-OCBC Credit or Debit Card in Singapore, you can expect to enjoy a range of exciting benefits and features that come with the card. Here are some of the most notable ones:
LinkPoints Programme
With the NTUC-OCBC Credit or Debit Card, you can earn LinkPoints for every dollar you spend at participating merchants. These LinkPoints can then be used to offset your shopping bills at NTUC FairPrice, Unity, and Warehouse Club outlets. You can also redeem LinkPoints for vouchers, products, and services at over 200 participating merchants in Singapore.
Exclusive Discounts and Rebates
As an NTUC-OCBC cardholder, you can enjoy exclusive discounts and rebates at a wide range of merchants in Singapore. These include discounts on dining, shopping, travel, and entertainment, as well as rebates on your daily essentials such as groceries, petrol, and utilities. You can visit the OCBC website to find out more about the latest promotions and offers available to cardholders.
Fuel Savings with Caltex
If you are a frequent driver, you will be pleased to know that the NTUC-OCBC Credit or Debit Card offers fuel savings at Caltex petrol stations in Singapore. You can enjoy up to 20.88% savings on petrol purchases, depending on the type of fuel and the day of the week. You can also earn LinkPoints for your petrol purchases, which can be used to offset your future fuel bills.
Digital Banking Advantages
As an NTUC-OCBC cardholder, you can enjoy a range of digital banking advantages that make managing your finances more convenient and secure. These include the ability to track your spending and transactions in real-time, set up automatic payments and alerts, and access your account information anytime, anywhere. You can also enjoy a range of other digital banking services such as mobile payments, online shopping, and e-statements.
Overall, the NTUC-OCBC Credit or Debit Card offers a range of exciting benefits and features that can help you save money and enjoy greater convenience in your daily life. Whether you are looking for discounts on your shopping bills, fuel savings for your car, or digital banking advantages, this card has got you covered.
Eligibility and Application
If you are looking for a credit or debit card that rewards you for your daily expenses, the NTUC-OCBC Credit or Debit Card in Singapore is an excellent choice. Here is what you need to know about eligibility and the application process.
Membership Requirements
To apply for an NTUC-OCBC Credit or Debit Card, you must be an existing union member. If you are not a union member yet, you can apply for membership through the NTUC website. The membership fee is affordable and comes with many benefits, including access to exclusive promotions and discounts.
In addition to being a union member, you must also meet the following eligibility criteria:
- For Credit Card Applications: You must be a Singapore Citizen or Permanent Resident aged 21 and above, with a minimum annual income of S$30,000 p.a., S$15,000 p.a. for retirees, and S$60,000 p.a. for non-Singaporeans.
- For Debit Card Applications: You must be a Singapore Citizen or Permanent Resident aged 16 and above.
Application Process via MyInfo
Applying for an NTUC-OCBC Credit or Debit Card is easy and convenient. You can apply online through the OCBC website and use the MyInfo service to autofill your application with your personal details. MyInfo is a government service that allows you to share your personal details with authorized organizations quickly and securely.
To apply for an NTUC-OCBC Credit or Debit Card using MyInfo, you will need to have a SingPass account. SingPass is a national digital identity service that allows you to access various government services online.
Once you have completed your application, you will receive an instant approval decision. If your application is approved, your new card will be mailed to you within a few business days.
Overall, the NTUC-OCBC Credit or Debit Card in Singapore is an excellent choice for those looking for a card that rewards them for their daily expenses. With affordable membership fees, exclusive promotions, and easy online application, it is a card that is worth considering.
Maximising Card Value
If you’re a Singaporean looking to get the most out of your NTUC-OCBC Credit or Debit Card, there are a few key strategies you can use to maximise your rewards. Here are some tips to help you get the most out of your card.
Optimising Earned LinkPoints
One of the biggest benefits of the NTUC-OCBC Plus! Visa Card is the ability to earn LinkPoints on your purchases. You’ll earn 1 LinkPoint for every $1 you spend at FairPrice stores, Unity pharmacies, and other participating merchants. These points can then be redeemed for discounts on your purchases.
To get the most out of your LinkPoints, it’s important to use them strategically. For example, you can use your points to offset the cost of your groceries at FairPrice stores. Alternatively, you can use your points to redeem vouchers for other merchants, such as NTUC Income or ComfortDelGro.
Strategic Spending for Rebates
In addition to earning LinkPoints, you can also earn rebates on your purchases with the NTUC-OCBC Plus! Visa Card. To earn the maximum rebate of 8%, you’ll need to spend at least $800 on your card each month. This can be a great way to save money on your everyday expenses.
To maximise your rebates, it’s important to be strategic about your spending. For example, you can use your card to pay for your groceries, petrol, and other regular expenses. You may also want to consider using your card for larger purchases, such as electronics or furniture, to earn a higher rebate.
Overall, the NTUC-OCBC Plus! Visa Card can be a great way to save money on your everyday expenses. By optimising your LinkPoints and spending strategically, you can get the most out of your card and enjoy significant savings on your purchases.
Partners and Merchant Network
If you are looking for a credit or debit card that offers a wide range of benefits and rewards, then the NTUC-OCBC Credit or Debit Card is the perfect choice for you. The card is a result of a partnership between NTUC and OCBC Bank, and it offers a host of benefits and rewards to its users.
FairPrice and Unity
One of the main benefits of the NTUC-OCBC Credit or Debit Card is that it offers up to 8% rebate at FairPrice and Unity. This means that you can save a lot of money on your grocery shopping, which is great news for those who are looking to save money on their daily expenses.
NTUC Health and Foodfare
Another great benefit of the NTUC-OCBC Credit or Debit Card is that it offers discounts at NTUC Health and Foodfare. This means that you can save money on your healthcare expenses and also enjoy discounts on your meals at Foodfare outlets.
Extended Partner Benefits
Apart from the benefits mentioned above, the NTUC-OCBC Credit or Debit Card also offers extended partner benefits. This includes discounts at Cheers and Kopitiam outlets, as well as savings on fuel at Caltex petrol stations. In addition, you can earn and redeem LinkPoints at over 1,000 partner outlets.
Overall, the NTUC-OCBC Credit or Debit Card is an excellent choice for those who are looking for a credit or debit card that offers a wide range of benefits and rewards. With its partnership with NTUC and its extended partner benefits, this card is sure to help you save money on your daily expenses.
Supplementary Card Features
If you are a primary cardholder of an NTUC-OCBC Credit or Debit Card Singapore, you have the option to apply for a supplementary card for your family members. Here are some of the amazing features of the supplementary card:
Supplementary Cardholder Perks
As a supplementary cardholder, you can enjoy most of the benefits that the primary cardholder receives. This includes cashback, rebates, and rewards points when you use your card for purchases. You can also enjoy exclusive deals and discounts from various merchants in Singapore.
Family Card Benefits
If you have a large family, you can apply for up to five supplementary cards for your loved ones. This means that your family members can also enjoy the perks of having an NTUC-OCBC Credit or Debit Card Singapore. You can set individual credit limits for each supplementary card, so you can control your family’s spending.
Moreover, the supplementary card is a great way to teach your children about financial responsibility. You can monitor their spending and teach them how to manage their finances. Plus, you can earn rewards points when your children use their supplementary card for purchases.
In summary, the supplementary card is an excellent way to share the benefits of your NTUC-OCBC Credit or Debit Card Singapore with your family members. You can enjoy cashback, rebates, and rewards points, while your family members can learn about financial responsibility. Apply for a supplementary card today and start enjoying the perks!
Security and Trust
When it comes to credit and debit cards, security and trust are of utmost importance. With the NTUC-OCBC Credit or Debit Card Singapore, you can rest assured that your personal and financial information is well-protected.
Fraud Protection Measures
NTUC-OCBC Credit or Debit Card Singapore is equipped with advanced fraud protection measures to safeguard your account against unauthorized transactions. These measures include real-time fraud detection, SMS alerts for transactions made above a certain amount, and the ability to freeze your card instantly if you suspect any fraudulent activity.
In the unlikely event that your card is compromised, you can report the incident immediately to the NTUC-OCBC hotline and receive assistance in resolving the issue. Additionally, you are not liable for any unauthorized transactions made on your card, provided that you report the incident promptly.
Backed by Strong Institutions
NTUC-OCBC Credit or Debit Card Singapore is backed by strong institutions that are committed to ensuring the security and trustworthiness of the card. This includes the Singapore Police Force, Singapore Armed Forces, Narcotics Service, and Auxiliary Police Bodies, who work together to combat fraud and other criminal activities.
Moreover, NTUC-OCBC Credit or Debit Card Singapore is issued by Oversea-Chinese Banking Corporation Limited (OCBC), one of the largest and most reputable banks in Singapore. OCBC is regulated by the Monetary Authority of Singapore and is a member of the Singapore Deposit Insurance Corporation, which provides protection for your deposits up to a certain amount.
In conclusion, with NTUC-OCBC Credit or Debit Card Singapore, you can enjoy the convenience of cashless transactions without compromising on security and trust.
Terms and Conditions
If you are considering applying for an NTUC-OCBC Credit or Debit Card in Singapore, it is important to understand the terms and conditions of the card. Here are some key things to know:
Understanding Fees and Charges
One of the most important aspects of any credit or debit card is the fees and charges associated with it. With the NTUC-OCBC Card, you can enjoy a waived annual fee for the first year. After that, an annual fee applies, which can be waived if you meet the minimum spend requirements.
In addition to the annual fee, there are other fees and charges to be aware of, such as interest charges, late payment fees, and cash advance fees. It is important to read the terms and conditions carefully to understand exactly what fees and charges apply to your card.
Minimum Spend Requirements
To qualify for the waived annual fee, you must meet the minimum spend requirements for the card. These requirements can vary depending on the type of card you have. For example, the NTUC-OCBC Plus! Visa Credit Card requires a minimum spend of $500 per calendar month, while the NTUC-OCBC Starter Account requires a minimum spend of $300 per calendar month.
Meeting the minimum spend requirements can be a great way to save money on your annual fee and earn rewards points at the same time. However, it is important to make sure that you can afford to meet the minimum spend requirements before applying for the card.
Overall, the NTUC-OCBC Credit or Debit Card can be a great choice for Singaporeans looking to save money on their annual fee and earn rewards points. Just make sure to read the terms and conditions carefully and understand all of the fees and charges associated with the card.
International Use and Partnerships
Overseas Spending Benefits
When it comes to overseas spending, the NTUC-OCBC Credit or Debit Card is a great choice. With the Visa logo on the card, you can use it at millions of merchants worldwide. This means that you can enjoy the benefits of your card not only in Singapore but also abroad.
One of the benefits of using your NTUC-OCBC Credit or Debit Card overseas is that you can earn rewards points on your purchases. These points can be redeemed for a variety of rewards, such as cash rebates or travel vouchers. Additionally, you can enjoy discounts and privileges at selected merchants overseas, which can help you save money while you travel.
Cross-Border Partnerships
NTUC-OCBC Credit or Debit Card has formed partnerships with several foreign banks to provide more benefits for its cardholders. For example, the card has partnered with EUR to offer discounts and privileges for cardholders who shop at selected merchants in Europe. This means that you can enjoy even more benefits when you travel to Europe.
The card has also partnered with banks in Malaysia to offer discounts and privileges for cardholders who shop at selected merchants in Malaysia. This is great news for those who frequently travel to Malaysia for work or leisure.
In addition, the card has partnered with several agencies to provide benefits for foreign domestic workers who hold the card. These benefits include discounts on remittance fees and insurance premiums, as well as access to training courses and workshops. This shows that NTUC-OCBC Credit or Debit Card is committed to providing benefits for all its cardholders, regardless of their background or nationality.
Overall, the NTUC-OCBC Credit or Debit Card is a great choice for those who want to enjoy benefits both in Singapore and abroad. With its partnerships with foreign banks and agencies, you can enjoy even more benefits when you travel overseas.
Transitioning and Phasing Out
If you are a current user of the NTUC-OCBC Credit or Debit Card Singapore, you might be aware that the partnership between NTUC and OCBC is coming to an end. But don’t worry, because exciting changes are in store for you! Here’s what you need to know about the transitioning and phasing out process.
Transition to Digital Platforms
As the NTUC-OCBC Credit or Debit Card Singapore is being phased out, both NTUC and OCBC are committed to providing you with a seamless transition to digital platforms. This means that you can continue to enjoy the benefits of the NTUC membership and OCBC banking services through digital channels, such as the NTUC app and OCBC mobile banking app.
With the NTUC app, you can access a wide range of benefits and services, including e-vouchers, discounts, and promotions. You can also use the app to make payments, track your LinkPoints, and manage your NTUC membership. Similarly, with the OCBC mobile banking app, you can perform a variety of banking transactions, such as checking your account balance, paying bills, and transferring funds.
Phasing Out of Older Cards
If you currently hold an NTUC-OCBC Credit or Debit Card Singapore, you will need to take note of the phasing out process. According to the official announcement by OCBC, the co-branded NTUC & OCBC PLUS! Credit and Debit Cards will be phased out from 1 February 2023 [1]. This means that you will no longer be able to earn LinkPoints with your old card.
However, OCBC has assured its customers that they will be issuing new cards to replace the old ones. The new cards will offer similar benefits and features, such as rebates at FairPrice and other NTUC-affiliated merchants. In addition, the new cards will be integrated with the NETS payment system, which means that you can use them to make payments at a wider range of merchants.
To sum up, the phasing out of the NTUC-OCBC Credit or Debit Card Singapore is a necessary step to keep up with the changing needs of customers. With the transition to digital platforms and the issuance of new cards, you can continue to enjoy the benefits of the NTUC membership and OCBC banking services. So don’t worry, and get excited about the future!
Customer Support and Services
If you have any questions or concerns about your NTUC-OCBC Credit or Debit Card, there are several support channels available to you. Here are some ways to get help:
NTUC-OCBC Support Channels
You can contact NTUC-OCBC customer service by calling the NTUC-OCBC hotline at +65 6363 3333. You can also visit any NTUC FairPrice store for assistance with your card. If you prefer to communicate via email, you can send your questions to NTUC-OCBC customer service.
Mobile Banking with MyNTUC App
Another way to manage your NTUC-OCBC Credit or Debit Card is through the MyNTUC app. This mobile banking app allows you to check your account balance, view your transaction history, and make payments on the go. You can also use the app to access exclusive promotions and discounts at NTUC FairPrice stores.
In addition to managing your NTUC-OCBC Credit or Debit Card, you can also use the MyNTUC app to manage your NTUC membership and access other NTUC services. To get started, download the MyNTUC app from the App Store or Google Play Store and log in with your NTUC membership details.
Overall, NTUC-OCBC provides several support channels to help you manage your Credit or Debit Card. Whether you prefer to communicate via phone, email, or mobile app, there are options available to suit your needs.
Frequently Asked Questions
What exciting perks can I expect with the NTUC Link credit card?
The NTUC Link credit card offers a range of exciting perks, including up to 12% off at FairPrice stores, Unity pharmacies, and more. You can also earn LinkPoints on your purchases, which you can use to redeem rewards and discounts. Additionally, you can enjoy discounts at over 1,000 merchant outlets in Singapore with the Plus! Marketplace.
How can I check my balance on my NTUC Plus Visa card?
You can check your balance on your NTUC Plus Visa card by logging in to your OCBC online banking account or using the OCBC mobile app. Alternatively, you can check your balance at any OCBC ATM or by calling the OCBC customer service hotline.
Are there any recent updates on the continuation of the NTUC OCBC cards?
As of the latest update, the NTUC OCBC cards will continue to be available until further notice. Customers can continue to enjoy the benefits and rewards offered by these cards.
What are the steps to retrieve my OCBC digital credit card?
To retrieve your OCBC digital credit card, you can follow these simple steps:
- Log in to your OCBC online banking account or use the OCBC mobile app.
- Select the “Cards” tab and choose “Digital Cards”.
- Select the card you want to retrieve and follow the prompts to complete the process.
How do I discover the features of the OCBC debit card?
You can discover the features of the OCBC debit card by visiting the OCBC website or contacting the OCBC customer service hotline. The features of the OCBC debit card include cashback rewards, exclusive discounts, and contactless payments.
What distinguishes the OCBC credit card from other cards in the market?
The OCBC credit card offers a range of unique features and benefits, including cashback rewards, exclusive discounts, and access to the OCBC Premier Banking Lounge. Additionally, the OCBC credit card is accepted worldwide and offers a range of travel-related benefits, such as airport lounge access and travel insurance.
