• Min. Monthly Income


  • Interest Rate

    25.92% p.a.

  • Balance Transfer

    0% p.a.

  • Annual Fee


Featured Highlights
  • Up to 18.5% savings on daily essentials
  • Up to 50% discounts on various deals at participating OCBC merchants
  • S$10 cash rebate when you apply now!


  • 2% rewards on LinkPoints for every S$1 spent on EZ-Reload
  • 1% LinkPoints with StarHub, M1 and Singtel


  • 3% discounts at Popular
  • 3% off everything at Unity


  • 12% discount on everything at FairPrice with salary credit
  • Free groceries delivery with FairPrice


  • 18.5% savings on fuel + 2.8% Smiles Points with Esso
  • 14% discounts on petrol with Caltex


  • Up to 50% discounts on dining islandwide

Other Features

  • 0.22% LinkPoints on all Visa spending
  • NTUC-OCBC Starter Account - Earn up to 1% p.a. or 20x more interest on account balances
  • Plus! Term Life Insurance
  • Extended LinkPoints validity up to 6 months

Card Information

Annual Fee Free
Min. Monthly Income $2,500
Min. age for principal holder

21 and above

Min. age for supplementary holder

18 and above

Fee for supplementary holder Free
Finance charges 25.92% p.a.
Goods & Services Tax (GST)

Inclusive in annual fee

Late payment charge


Cash advance amount

Up to 70% of approved credit limit

Cash advance charge

6% of amount withdrawn or S$15, whichever is higher

Cash advance interest charge

Finance charges of 28.92% p.a. with a minimum of $2.50 will be calculated on a daily basis until full repayment.

Cashback Limit


Rewards points expiry


Product Review by iMoney Singapore

Savings on daily essentials for NTUC members!

Enjoy tons of savings with OCBC NTUC Plus! Visa Credit Card. Enjoy 10% off everything when you shop on groceries at FairPrice plus if you shop on FairPrice Online, you will get free delivery services from FairPrice onine. Other than that, enjoy 3% discounts when you shop at POPULAR and 5% off everything when you shop at Unity. Start charging your card on EZ-Reload and earn 2% rewards on Link Points for every S$1. Furthermore, you can also earn 1.3% rewards on LinkPoints for every S$1 spent with StarHub, M1, Town Council and SPH. In addition to that, enjoy additional 1.3% LinkPoints on utility bills.

Fees and Charges

To apply for the OCBC NTUC Plus! Visa Credit card there will not be any annual fees for both principal and supplementary card. Outstanding balances will be charged for interest, 25.92% per annum, with minimum charge of S$2.50. If you fail to make monthly payment by the payment due date, you will be charged for late payment of S$60. Minimum monthly payment must not less than S$50, or 3% of total balance, whichever is higher, plus amount exceeds credit limit and/or overdue amounts. If you withdraw cash from this card, you will be charged for 6% of cash advance amount, or S$15, whichever is higher.

Are You Eligible For OCBC NTUC Plus! Visa Credit Card?

To apply OCBC NTUC Plus! Visa Credit Card, you must be 21 years old and above. Monthly income must be S$2,500 and above (for Singaporeans and Singapore permanent residents) or S$3,750 and above (for foreigners). Supplementary card applicants must be at least 18 years old.

Looking for more options to choose from? Our credit card experts, also recommend you to check out other similar credit cards such as OCBC PLUS! Visa Credit Card and Citibank SMRT Platinum Visa Card, which may match your requirements. If you prefer to broaden your credit card search, see more OCBC credit cards and start comparing today!