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OCBC NTUC Plus Debit Card: Is It the Grocery Card for You?

Earn LinkPoints and Cash Rebates for your grocery spend

OCBC NTUC Plus Debit Card: Is It the Grocery Card for You?

Earn LinkPoints and Cash Rebates for your grocery spend


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  • NTUC members who shop in-store and online at FairPrice
  • Members with S$200 of monthly expenses outside of grocery spend


  • Members with low monthly grocery expenses

The OCBC NTUC Plus! Debit Card is great for NTUC members who want to earn boosted rates on their grocery purchases, and don’t mind paying an annual membership fee. This debit card offers one of the highest cashback rates for grocery spend in comparison to other debit cards on the market. When a cardholder spends a minimum of S$200 outside of FairPrice, they qualify for 8% cashback (comprising 4% cash rebate, 1.33% regular LinkPoint rebate, and 2.67% Bonus LinkPoint rebate) on in-store purchases at FairPrice, Unity, and Warehouse Club. Additionally this card offers 7% cashback rebate for FairPrice online purchases (comprising 4% cash rebate, and 3% LinkPoint rebate).

The value of LinkPoints are 150 = S$1, and there is no limit to how many regular LinkPoints an individual can earn. Bonus LinkPoints are limited to 2,000 (S$500 spend) per month, and the cashback rebate is limited to S$240 earnings per year (S$6,000 spend). Overall, the NTUC Plus! Debit Card offers great value to consumers with high grocery expenses.

Table of Contents

What Makes the NTUC Plus! Debit Card Stand Out

NTUC members that shop at FairPrice will benefit greatly from this debit card. With just S$200 minimum spend outside of FairPrice, which is one of the lower minimum spends compared to other debit cards, consumers are able to earn 8% from their in-store purchases. Additionally, this card offers 7% on online FairPrice purchases.

Spend TypeLinkPoint RebateBonus LinkPointsFairPrice Cash RebateTotal Rebate
In-Store2 LinkPoints (1.33%)/S$1 Spend4 LinkPoints (2.67%)/S$1 Spend4%8%
Online4.5 LinkPoints (3%)/S$1 Spendn/a4%7%
*The NTUC Plus! is a sister card to the OCBC Plus! and is only available for NTUC members.

Portions of these rebates do have earnings limits. While regular LinkPoints have no earnings cap, Bonus LinkPoints and the FairPrice cash rebate do have earnings limits. For Bonus LinkPoints, a cardholder is limited to 2,000 per month (S$500 of spend). The cash rebate is limited to S$240 per year (S$6,000 spend). Although rebate structures like this are not typically common amongst debit cards in general, it doesn't create too many limitations for most consumers given the amount of expenditure they need to incur to max out on these limits.

Monthly In-Store Grocery SpendS$250S$500S$750
Regular Link Points5001,0001,500
Bonus Link Points1,0002,0002,000
Cash RebateS$10S$20S$30
Total Points in S$S$20S$40S$53.33

In addition to rewards on grocery spend, the NTUC Plus! offers rewards on other types of expenditures. This debit card offers a 0.22% LinkPoint rebate on general spend, which is quite standard among debit card offers. This may not seem like an attractive rate, but it allows cardholders to earn something while meeting its low S$200 spending requirement. In contrast, other debit cards with higher general reward rates typically have a much higher minimum spend requirement of S$400-S$500. Consumers can also earn a 1% LinkPoint rebate on their recurring M1, Singtel, and Starhub bills, 18.5% LinkPoint rebate on their Esso transactions, and 3% off at Cheers and Popular purchases.

For consumers interested in earning interest on their account balance, this card can be linked to an NTUC-OCBC Starter Account to earn 0.05% on your account balance. Cardholders can earn a boosted rate of 0.60% if they credit their salary of S$1,000+ per month via GIRO, and make a minimum of 3 transactions per month using their debit card. It is important to note that this boosted savings rate is not too common amongst debit card offers, though there are higher rates available with cards like UOB One Debit Card.

A downside to this card is that it does have an annual fee of S$117 for NTUC Membership. However, if a cardholder maxes out the cash rebate limit ($6,000 spend per year), the rebate will more than offset the entire cost of the membership.

Maximum Annual Cashback RebateMembership CostRemaining Rebate

NTUC Plus! Debit Card Fees

Aside from the annual membership fee, the NTUC Plus! has a few additional fees. However, for consumers who plan to use this card for domestic purchases, these fees are not really applicable.

  • 3.25% fee on Foreign Currency Transactions
  • 2.80% fee on Currency Conversions
  • 2.25% fee on Overseas Cash Withdrawal

How to Use LinkPoints

As consumers begin to make purchases and earn LinkPoints, they can quickly begin offsetting the cost of their FairPrice transactions. For reference, 150 LinkPoints = S$1. These points can be used to pay for in-store purchases at FairPrice, Unity, and Warehouse Club, but can not be used for online purchases.

When making in-store purchases

  • Present your NTUC Plus! Debit Card at the register
  • Select how many LinkPoints you would like to use
  • Pay for a portion/entirety of your purchase with selected amount

How to Apply for an NTUC Plus! Debit Card

There are two ways that applicants can apply for this debit card. Applicants have the option to either apply with their MyInfo accounts (MyInfo allows for instant approval if applicant is eligible), or they can apply using the standard application.

Applying With MyInfo

  • Log into your SingPass account
  • Fill in the required information with your MyInfo details
  • If eligible, you will be granted instant approval

Applying with the Standard Application

  • Visit OCBC’s Application Page
  • Complete your personal details
  • Submit your application

NTUC Plus Eligibility Requirements

In order to be eligible for this debit card, OCBC has a few requirements in place. In order to qualify, an applicant must be 16 years or older. Additionally, applicants must have an OCBC bank account to link their card to. Similar to most other debit cards, there is no minimum income requirement to qualify.

How To Cancel The NTUC Plus! Debit Card

For any current cardholders that would like to cancel their card, OCBC has a few steps that need to be taken to successfully cancel.

  • Call OCBC’s customer service number at 1-800-363-3333 (overseas: 65-6363-3333)
  • Verify your account information and credentials with the customer service representative
  • Request to cancel your card

NTUC Plus! Debit Card's Features and Benefits:

Details & Benefits
Annual FeeS$117 Membership Fee
Card Details
  • 8% rebate on purchases at FairPrice, Unity, and Warehouse Club
  • 7% rebate for online FairPrice transactions
  • 1% rebate on Singtel, M1, and Starhub bills
  • 3% off Cheers and Popular purchases
  • 18.5% savings on Esso petrol transactions
  • 0.60% interest on account balance

Credit Card Alternative: Maybank Family & Friends Credit Card

PROMO: GET Garmin vivomove Style worth S$469
Consider this if you want to earn up to 8% on a variety of purchases
  • Pros
    • Good for budgets of S$800/month
    • Awards 8% cashback on 5 categories of your choice
    • 3 year annual fee waiver
    • Great to use in Singapore, Malaysia, Indonesia and the Philippines
    • Cons
      • Merchant restrictions
      • Lacks miles & travel perks
      • Annual Fee: S$180 (3-year waiver, subsequently waived with S$12,000 annual spend)
      • Up to 8% off on local transport, grocery, fast food, food delivery, petrol, data & communications, and online TV streaming purchases
      • 0.3% rebate on general spend
      • Fuel savings up to 20.88% with select merchants

      For those who have a higher monthly expenditure and want to earn rewards on more areas, the Maybank Family & Friends Credit Card could be a good alternative to NTUC Plus Debit Card. Maybank Family & Friends Card offers up to 8% rebates on fast food & food delivery, transport, grocery, petrol, online streaming, and data communication purchases in both Singapore & Malaysia. All local grocery stores, including online purchases, are eligible for rewards earnings.

      To qualify for this cashback, a cardholder must spend a minimum of S$500 (to earn 5%) or S$800 (to earn 8%) per month to qualify for these rates. The rebates have a monthly cap of S$80, which can be easily met with just S$1,000 spend. This allows cardholders to attain the fee waiver requirement and earn S$960 annually. This credit card comes with an annual fee of S$180, which is waived for the first 3 years and subsequently waived with S$12,000 annual spend. For more options on rewards credit cards on groceries, you can read our reviews here.

      Alex Noonan

      Alex is a Junior Research Analyst at ValueChampion, analyzing various financial decisions for consumers in Singapore, from which credit cards provide the best values, how to maximise value of miles and other personal finance matters. Previously an SEO Analyst at a New York based fin-tech company, specializing in small business advice, he has extensive experience in content production & web optimization. He is a recent graduate of Rutgers University, with a major in Supply Chain Management.

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