Your Linkpoints are safe, even if your OCBC / NTUC Plus! Visa Card(s) is/(are) cancelled by 31 Jan 2023. Learn more here.

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Rewards on App

Find us on the FairPrice app!

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Enjoy an enhanced Link Rewards experience:

  • Receive instant updates on the latest promotions from over 150 Link partners
  • Track Linkpoints history on the go
  • Make cardless payments, as well as earn 0.50 Linkpoints with every $1 spent at NTUC FairPrice
  • App exclusive deals at NTUC FairPrice

FAQs

Bank Notices

NOTICES

REVISION OF BONUS INTEREST RATES FOR NTUC-OCBC STARTER ACCOUNT (EFFECTIVE FROM 1 JUNE 2021)

From 1 June 2021, Bonus interest rates for NTUC-OCBC Starter Accounts (With GIRO salary credit of at least S$1,000 + at least 3 Visa transactions on NTUC Plus! Visa Credit/Debit Card monthly) will be revised to 0.2% p.a for the first $50,000. For more details view updated terms and conditions.

REVISION OF INTEREST RATES FOR NTUC-OCBC STARTER ACCOUNT (EFFECTIVE FROM 1 DECEMBER 2020)

From 1 December 2020, Bonus interest rates for NTUC-OCBC Starter Accounts (With GIRO salary credit of at least S$1,000 + at least 3 Visa transactions on NTUC Plus! Visa Credit/Debit Card monthly) will be revised to 0.4% p.a for the first $50,000. For more details view updated terms and conditions.

REVISION OF INTEREST RATES FOR NTUC-OCBC STARTER ACCOUNT (EFFECTIVE FROM 1 JULY 2020)

From 1 July 2020, interest rates for Plus! Savings Accounts & NTUC-OCBC Starter Accounts will be revised to 0.05% p.a. on all account balances. Bonus interest rates for NTUC-OCBC Starter Accounts (With GIRO salary credit of at least S$1,000 + at least 3 Visa transactions on NTUC Plus! Visa Credit/Debit Card monthly) will be revised to 0.6% p.a for the first $50,000. Visit www.ocbc.com/ntuc for more details.

REVISION IN UNITY REBATE FOR PLUS! VISA CREDIT CARD REWARDS PROGRAMME (EFFECTIVE FROM 1 JANUARY 2018)

Earn up to 12% rebate on your purchases at Unity with NTUC/OCBC Plus! Visa Credit Cards. From 1 January 2018, in-store bonus rebates awarded for transactions made using your NTUC/ OCBC Plus! Visa Credit or Debit card under the “FP Rebate” category will include rebates for purchases made at Unity stores. Please visit http://www.ocbc.com/plus for more information and the revised Terms and conditions governing NTUC Plus!/Plus! Visa Cards Rewards Programme.

REVISION IN UNITY REBATE FOR PLUS! VISA CREDIT CARD REWARDS PROGRAMME (EFFECTIVE FROM 1 JANUARY 2018)

We wish to inform you that, from 9 October 2017, the Plus! Lite Branch at NTUC FairPrice Xtra Jurong Point (63 Jurong West Central 3, #03-01, Singapore 648331) will be closed for renovations.

UPDATE TO BONUS LINKPOINTS REBATE PROGRAMME

From 1 July 2017, NTUC Plus! / Plus! Visa Credit / Debit Cardmembers can enjoy 1% LinkPoints rebate for recurring bill transactions charged to Circles.Life. Please click here for full Terms and Conditions.

WAVIER OF MINIMUM SPEND REQUIREMENT FOR CHEERS

From 1 September 2017, we will waive the minimum spend requirement of $5 for NTUC Plus! Visa or Plus! Visa cardholders to earn LinkPoints at Cheers outlets. LinkPoints earned from all Visa transaction spent in Cheers will be awarded at the next card account statement.

LINKPINTS NOT AWARDED FOR SELECTED ORGANISATIONS

From 1 October 2017, 0.3% LinkPoints rebate will not be awarded for transactions charged to your NTUC Plus! Visa or Plus! Visa Cards by organisations under these Visa merchant classification codes (MCC): Charity and Social Service Organisatiions (MCC 8398), Religious Organisations (MCC 8661), Cleaning, Maintenance and Janitorial Services (MCC 7349), Real Estate Agents and Managers – Rentals (MCC 6513).

UPDATE TO TERMS AND CONDITIONS GOVERNING NTUC PLUS! / PLUS! VISA CARD REWARDS PROGRAMME

The Terms and Conditions Governing NTUC Plus! / Plus! Visa Card Rewards Programme will be revised from 1 September 2017. We have made changes to Clauses 16, 17, 19(vi) amd have also deleted Clause 23. Please click here to view the revised terms and conditions.

LATE FEE REVISION

From 1 June 2017, the late payment charge for the Plus! Visa Credit Card will be revised from S$80 to S$100 while the late payment charge for the NTUC Plus! Visa Credit Card will be revised from S$60 to S$100.

NTUC PLUS! / PLUS! VISA CARDS BONUS LINKPOINTS REBATE PROGRAMME

NTUC PLUS! VISA DEBIT CARD

From 1 December 2016, we are enhancing our NTUC Plus! Visa Debit Card feature by offering cardmembers 8% rebate at all FairPrice stores and Warehouse Club, if a cardmember charges at least $200 worth of Visa transactions outside FairPrice stores, FairPrice Online, Warehouse Club and Unity stores to his NTUC Plus! Visa Debit Card within the same calendar month. Visit www.ocbc.com/plus for more details and T&Cs.

PLUS! VISA DEBIT CARD

From 1 December 2016, we are enhancing our Plus! Visa Debit Card feature by offering cardmembers 4% rebate at all FairPrice stores and Warehouse Club, if a cardmember charges at least $200 worth of Visa transactions outside FairPrice stores, FairPrice Online, Warehouse Club and Unity stores to his NTUC Plus! Visa Debit Card within the same calendar month. Visit www.ocbc.com/plus for more details and T&Cs.

ANNUAL FEE REVISION

From 1 January 2017, the annual fee for your Plus! Visa Credit Card (principal card only) will be revised to S$107, including GST. We will automatically waive the fee if you charge at least S$2,500 in Visa transactions per year to your Plus! Visa Credit Card.

REVISION OF INTEREST RATES FOR NTUC-OCBC STARTER ACCOUNT

From 3 January 2017, interest rates for NTUC-OCBC Starter Account will be revised to 0.1% p.a. for the first $50,000 and 0.15% p.a. for the next $450,000. Visit www.ocbc.com/ntuc for more details.

NO LINKPOINTS FOR TRANSITLINK GTM

From 1 February 2017, LinkPoints will not be issued for all Visa transactions made at TransitLink General Ticketing Machines on your NTUC Plus! Visa Credit / Debit Card or Plus! Visa Credit / Debit Card.

REVISIONS TO CHEQUE BOOK DELIVERY FEES

With effect from 1 March 2017, we will revise the charges for courier delivery of cheque books.
Cheque Book Type
Delivery Mode
Current
New
SGD Cheque Book*
Express Delivery1
S$18
S$20
SGD Cheque Book*
Same-Day Delivery2
S$27
S$29
USD Cheque Book
Express Delivery1
USD12
USD14
USD Cheque Book
Same-Day Delivery2
USD18
USD20

Notes
Charges are for each delivery trip
*Charge is inclusive of the cheque book fee of S$10.00.
1Delivery on the next business day if request is received by us before 4pm on a business day.
2Delivery is by 5pm, same business day if request is received by us beforee 11am on a business day.

We have also updated the delivery charges in our cheque book request form

LATE PAYMENT CHARGE

With effect from 1 June 2016, the late payment charge for Plus! Visa Credit Card will be revised to S$80. Late payment charge for NTUC Plus! Visa Credit Card will remain at S$60. To ensure prompt payment by payment due date, you may wish to pay by interbank GIRO or via Internet Banking from your NTUC-OCBC Starter Account, your Plus! Savings Account, or your OCBC deposit account.

NTUC PLUS! / PLUS! VISA CARDS BONUS LINKPOINTS REBATE PROGRAMME

From 1 May, the following revisions will take place:

  1. We will be revising the bonus LinkPoints Rebate structure for your Visa purchases within FairPrice supermarkets, FairPrice Finest, FairPrice Xtra, FairPrice Online, FairPrice Warehouse Club and NTUC Unity stores. Full details will be available in May 2016.
  2. The bonus LinkPoints Rebate for FairPrice Online will be revised from:
    • 6% (9 LinkPoints) to 4% (6 LinkPoints) for NTUC Plus! Visa Cards
    • 5% (7.5 LinkPoints) to 3% for Plus! Visa Cards (4.5 LinkPoints) for Plus! Visa Cards
  3. The bonus LinkPoints Rebate for Unity will be revised from 5% (7.5 LinkPoints) to 3% (4.5 LinkPoints).
  4. The bonus LinkPoints Rebate for recurring Visa transactions charged by Town Councils, Singapore Press Holdings as well as for Visa transaction at Singapore Power Customer Service Counters and EZ-Reload will cease.
  5. The bonus LinkPoints Rebate for recurring bill transactions with Singapore Telecommunications, StarHub and M1 will be revised from 1.33% (2 LinkPoints) to 1% (1.5 LinkPoints).
  6. For recurring NTUC Membership fees, the LinkPoints Rebate will be revised from 1.67% (2.5 LinkPoints) to 1% (1.5 LinkPoints).

OUT-OF-STORE LINKPOINTS*

From 1 May 2016, cardmembers will enjoy 1 LinkPoint for every $3 worth of Visa transaction instead of $2 worth of transaction (0.33 LinkPoint will be awarded for every $1 transacted).
*defined as Visa transactions outside FairPrice supermarkets, FairPrice Finest, FairPrice Xtra, FairPrice Online, FairPrice Warehouse Club and NTUC Unity stores.

CHANGES TO LINKPOINTS REBATE FOR INSTALMENT PAYMENT PLANS

From 1 June 2015, all Instalment Payment Plans charged to your Plus Visa Credit Card or NTUC Plus Visa Credit Card will not enjoy LinkPoints rebates.

CHANGES TO BALANCE TRANSFER TERMS AND CONDITIONS

With effect from 1 September 2014, any outstanding Balance Transfer Amount will be treated in the same manner as a Cash Advance made through the use of the Card. Hence, the prevailing Cash Advance interest rate of 28.92% will apply to all the outstanding Balance Transfer Amount after the promotional tenure.

DISCONTINUATION OF FAIRPRICE PLUS! PERSONAL LOAN FOR NEW APPLICATIONS

With effect from 1 October 2010, new applications for FairPrice Plus Personal Loan will be discontinued.

NON-ISSUANCE OF LINKPOINTS

From 1 January 2017, LinkPoints will not be issued by OCBC for all Cash-On-Instalments on your OCBC Plus! Visa Credit Card or NTUC Plus! Visa Credit Card.

NON-ISSUANCE OF LINKPOINTS

From 31 August 2014, LinkPoints will not be issued by OCBC for every S$1000 balance in Plus! Savings Accounts for account holders on e-statements.

NON-ISSUANCE OF LINKPOINTS

From 30 May 2014, LinkPoints will not be issued by OCBC for bill payment made through OCBC Internet Banking.

UPDATE ON LINKPOINTS

With effect from 1 April 2014, LinkPoints will not be issued by OCBC for Visa transactions at NTUC Unity. However, LinkPoints issued by Link merchants continue to apply.

REVISION TO ANNUAL FEE OF PLUS! VISA CREDIT CARD

From 1 January 2015, the annual fee for your Plus! Visa Credit Card (principal card only) will be revised to S$80.00, including GST. From 1 March 2015, we will automatically waive the fee if you charge S$2,500 in Visa transactions per year, or more, to your Plus! Visa Credit Card.

REVISION TO ANNUAL FEE OF PLUS! VISA DEBIT CARD

From 1 January 2015, the annual fee for your Plus! Visa Debit Card will be revised to S$24.00. From 1 March 2015, we will automatically waive the fee if you charge S$1,200 in Visa transactions per year, or more, to your Plus! Visa Debit Card.

REVISION OF PREVAILING INTEREST RATES ON CREDIT CARDS

With effect from 1 September 2014, if payment is not made in full by the payment due date on your OCBC Credit Card, interest charges will be calculated at 25.92% per annum (minimum S$2.50 per month) on a daily basis on the outstanding balance and all new purchases charged to your card account from the date of purchase(s).

PLUS! ENHANCED SECURITY

OVERSEAS ATM CASH WITHDRAWAL

From 11 May 2012, we have deactivated the overseas ATM cash withdrawal feature on your OCBC cards. You will not be able to withdraw cash from overseas ATMs using your OCBC ATM, credit or debit card that is linked to your savings or current account. However, if you are planning a trip abroad and intend to withdraw cash from overseas ATMs, you may request to have your card(s) reactivated via the following methods:
  • SMS: ATM Your NRIC or Passport Number Last 4 digits of your card activate or deactivate to 72323 (applicable for local SMS only);
  • OCBC Online Banking
  • Call 1800 820 2020 (press 2) if you have a Plus! Phone Banking PIN; or
  • Download Plus! Visa Card Maintenance Form

SMS NOTIFICATION ALERTS FOR TRANSACTIONS

From 1 July 2012, we will be updating you with your transaction details by sending out SMS notification alerts to your mobile phone number. You will receive instantaneous SMS alerts when you perform the following transactions:
NO.
TYPE OF SMS ALERTS
DEFAULT ENROLMENT SETTINGS
1
Overseas ATM cash withdrawal
Auto enrolment
Any amount
2
Local ATM cash withdrawal, top-ups and NETS purchases
Auto enrolment
S$1,000.00 (cumulative)
3
Other financial transactions via ATM
Auto enrolment
S$1,000.00
Other account debit alerts*
- Cheques
4
- GIRO
No auto enrolment
Amount shall be determined by customer
- Remittance
- Others (e.g. financial transactions via Phone Banking)
5
Online Banking payments and transfers
Auto enrolment
Any Amount
6
Update of contact details via ATM and Online Banking
Auto enrolment#
-
7
Activation / Deactivation of overseas ATM cash withdrawal feature
Auto enrolment#
-
8
Activation of credit and debit cards
Auto enrolment#
-
9
Change of alert settings
Auto enrolment#
-
10
Set-up of GIRO instructions via Direct Debit Authorisation or Automatic Standing Instructions
Auto enrolment#
-

*If your transaction is equal to or exceeds S$100,000.00, we will send you SMS notification alerts irrespective of the alert setting (available from 6 July 2012).
#You are unable to unsubscribe to this alert as it is mandatory.

You may choose to customise the SMS alert settings via the following methods:

  • OCBC Internet Banking; or
  • OCBC Internet Banking; or

NEXT-GENERATION OCBC ONLINE BANKING TOKEN

Starting from October 2012, the next generation two-factor authentication (2FA) hardware token will be issued to OCBC Online Banking customers.
This new token is an enhanced personal security device that provides you with an added level of online banking security to authorise selected high-value transactions.

ADDED SECURITY FOR CREDIT AND DEBIT CARDS

From credit and debit card activation to easy ways of managing your cards, OCBC makes banking safe and convenient for you.

CARD SECURITY

ENHANCED SECURITY MEASURES FOR GREATER ASSURANCE

  • ONE-TIME PASSWORD (OTP)
    To protect you from online fraud, OCBC will send you an OTP for extra security whenever you make online purchases.

  • TRANSACTION ALERTS
    Be alerted via SMS upon your card’s first usage or when a transaction amount above the predefined limit is made to any of your OCBC credit or debit cards. The predefined limit is set to a default value of S$1,000 and the minimum predefined limit you can set is S$100. Please call OCBC at 1800 363 3333 to change your predefined limit.

  • CREDIT CARD AND DEBIT CARD ACTIVATION
    You need to activate your new or replacement card before using it.

    Activate your card now
    View FAQs

  • DEACTIVATION OF MAGNETIC STRIPE
    From 1 July 2012, the magnetic stripe on your credit or debit card will be deactivated for local transactions. Thereafter, all local transactions can only be made with the EMV chip on your card. The magnetic stripe on your credit or debit card will, however, continue to be activated for overseas transactions.

    View FAQs

Travel with us at Link Travel Deals!

  • “Log in” to your Link account to access Link Travel Deals
  • Not a Link member, sign up here and enjoy $300 worth of welcome vouchers now!
 
Note: Remember to use the email address and mobile number as per your Link account to sign up with Link Travel Deals to earn Linkpoints on your bookings.

Find us on the FairPrice app!

Enjoy an enhanced Link Rewards experience:

  • Receive instant updates on the latest promotions from over 150 Link partners
  • Track Linkpoints history on the go
  • Make cardless payments, as well as earn and redeem Linkpoints at NTUC FairPrice
  • App exclusive deals at NTUC FairPrice

Find us on the FairPrice app!

Enjoy an enhanced Link Rewards experience:

  • Receive instant updates on the latest promotions from over 150 Link partners
  • Track Linkpoints history on the go
  • Make cardless payments, as well as earn 0.50 Linkpoints with every $1 spent at NTUC FairPrice
  • App exclusive deals at NTUC FairPrice

Link GAMERS.SG card

Only members aged 18 and above are eligible to apply and enjoy the benefits such as:

  • Earn Linkpoints at at retail outlets, including those with gaming peripherals
  • Redeem Linkpoints to offset retail purchases
  • Get privileges and discounts on gaming peripherals, lifestyle products, and in-game credits
  • Receive career advisory support and workshops for e-sports professionals

Apply online

You’ll be redirected to SCOGA’s website for more information on how to apply for this card

Coming soon

Link NTUC Social Card

This membership is a rider to Association Membership.

Benefits of Link NTUC Social Membership are as such:

  • Earn and redeem Linkpoints at over 1,000 partners’ outlets
  • Eligible for Career Advisory services offered by NTUC U PME Centre
  • Enjoy benefits and privileges from Ready for eXperience (RX) Community Member Programme offered by NTUC Club

Apply online

Members interested in applying for this card can do through your respective Association. You may also email to pme@ntuc.org.sg.

Earn Linkpoints online with Zaful

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Wish

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Vestiaire Collective

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Plus! account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints with UBuy

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints with Strawberry Net

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Shutterstock

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Shopee

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Sephora

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Selfridges

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Swarovski

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Roses Only

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with RoseGal SG

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with ReFa

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Razer

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Qatar Airways

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints with Patpat

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with PUMA

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Nike

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with MyRepublic SIM

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Meta-Pora

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with McAfee

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Lumin

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Luisaviaroma

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with LookFantastic

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Lenovo

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with JD Sport

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Geekbuying

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Galleido

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Farfetch

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with FERNS N PETALS

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints with Dresslily SG

  • “Log in” to your Link account and earn Linkpoints
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
Note: To ensure accurate tracking of Linkpoints, please enable your internet browser cookies. Linkpoints issuance is applicable only to Link members who log in to their Link account before transacting on our partner’s website(s). Click here for full terms and conditions.

Earn Linkpoints online with Dell

  • “Log in” to your Link account and start earning!
  • “Skip” this step if you’re not a Link member, or sign up here now!
 
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Earn Linkpoints online with Decathlon

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Benefits

Enjoy comprehensive coverage at affordable premiums.

Make room for more convenience and ease of mind for you and your helper. Now, you can look after your helper’s wellbeing without it being a financial burden. Our Domestic Helper Insurance offers comprehensive insurance coverage to ensure your helper is taken care of. You can also choose from various add-ons to ensure that your needs are taken care of.

Benefits at a glance

  1. Personal accident coverage1 for your helper
  2. Provides cover for your helper’s outpatient medical expenses2 due to injury
  3. Letter of Guarantee3 for your helper’s hospitalisation costs
  4. Local and emergency overseas hospitalisation4 insurance coverage for your helper
  5. Up to 90 days pre- and post-hospitalisation treatment coverage5 for your helper
  6. Courier service to assist with renewal and delivery of your helper’s insurance and work permit6 right to your doorstep
Example
An example to illustrate the additional hospital and surgical expenses benefits that your helper will be covered for if they take up the optional covers for their domestic helper insurance.
Your helper was admitted into a Singapore public hospital standard Class C ward with a total bill of $55,000.

Hospital Bill

S$

Total Hospital Bill
55,000
Basic plan with $15,000 hospital and surgical expenses cover (per year limit)
Total claimable under the policy limits
15,000
Income pays
15,000
Employer pays
40,000
Basic plan with $15,000 hospital and surgical expenses cover (per year limit) + additional $30,000 hospital and surgical expenses benefit7 (PER YEAR LIMIT)
Total claimable under the policy limits
45,000
Income pays
45,000
Employer pays
10,000
Basic Plan with $15,000 Hospital and Surgical Expenses Cover (Per Year Limit) + Additional $50,000 Hospital and Surgical Expenses Benefit7 (Per Year Limit)
Total claimable under the policy limits
65,000
Income pays
55,000
Employer pays
0
Hospital Bill S$

Total Hospital Bill

55,000

Basic plan with $15,000 hospital and surgical expenses cover (per year limit)

Total claimable under the policy limits

 15,000

Income pays

15,000

Employer pays

40,000

Basic plan with $15,000 hospital and surgical expenses cover (per year limit) + additional $30,000 hospital and surgical expenses benefit7 (PER YEAR LIMIT)

Total claimable under the policy limits

 65,000

Income pays

55,000

Employer pays

0

The example is based on the assumption that the helper has no pre-existing medical condition. The amount claimable under this benefit is subject to terms and conditions stated in the policy contract. The figures used in the example are for illustrative purpose only.

Important Notes

  1. The accidental death or permanent disability suffered by your helper due to an injury must happen within 12 months from the date of the accident. The amount of benefit payable is subject to the scale of compensation in the policy contract.
  2. This coverage applies up to 12 months from the date of the accident or up to the limit specified in your policy contract, whichever comes first.
  3. This Letter of Guarantee is only applicable if your domestic helper is hospitalised at a Singapore government restructured hospital, and is capped at a maximum limit of $10,000 per admission. Subject to individual hospital guidelines. Other terms and conditions apply.
  4. The final claim amount you will receive depends on the relevant pro ration factor applicable to the eligible hospital and surgical expenses being claimed.
  5. This is payable if your helper is admitted as an inpatient or for day surgery to treat an injury or sickness, provided we pay the hospitalization claim under the policy. Post-hospitalisation treatment coverage is only for the same injury or sickness your helper was hospitalised for.
  6. Renewal of work permit is done by NTUC Income Employment Agency (licence no. 96C5724).
  7. These are additional coverage for hospital and surgical expenses above the annual minimum coverage for inpatient care and day surgery prescribed by MOM
This is for general information only. You can find the usual terms and conditions of this plan at www.income.com.sg/domestic-helper-policy-conditions.pdf
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
Information is correct as of 10 April 2019.
Disclaimer: All insurance products underwritten by Income are contracts between the policyholder and Income. Read full disclaimer.

Premium Rates

Monthly premium for Plus! Protect Classic

Age next birthday (years) Monthly premium1 for sum assured

$10,000

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

1 to 17

$1.55

$7.75

$15.50

$23.25

$31.00

$38.75

$46.50

18 to 30

$1.55

$7.75

$15.50

$23.25

$31.00

$38.75

$46.50

31 to 40

$1.70

$8.50

$17.00

$25.50

$34.00

$42.50

$51.00

41 to 45

$2.75

$13.75

$27.50

$41.25

$55.00

$68.75

$82.50

46 to 50

$2.75

$13.75

$27.50

$41.25

$55.00

$68.75

$82.50

51 to 55

$4.95

$24.75

$49.50

$74.25

$99.00

$123.75

$148.50

56 to 60

$9.00

$45.00

$90.00

$135.00

$180.00

$225.00

$270.00

61 to 63

$14.95

$74.75

$149.50

$224.25

$299.00

$373.75

$448.50

64 to 65

$14.95

$74.75

$149.50

$224.25

$299.00

$373.75

$448.50

66 to 68

$17.80

$89.00

$178.00

$267.00

$356.00

$445.00

$534.00

69 to 70

$20.30

$101.50

$203.00

$304.50

$406.00

$507.50

$609.00

Monthly premium for Plus! Protect Prime

Age next birthday (years) Monthly premium1 for sum assured

$10,000

$50,000

$100,000

$150,000

$200,000

$250,000

$300,000

1 to 17

$2.35

$11.75

$23.50

$35.25

$47.00

$58.75

$70.50

18 to 30

$2.40

$12.00

$24.00

$36.00

$48.00

$60.00

$72.00

31 to 40

$2.50

$12.50

$25.00

$37.50

$50.00

$62.50

$75.00

41 to 45

$4.20

$21.00

$42.00

$63.00

$84.00

$105.00

$126.00

46 to 50

$4.35

$21.75

$43.50

$65.25

$87.00

$108.75

$130.50

51 to 55

$6.50

$32.50

$65.00

$97.50

$130.00

$162.50

$195.00

56 to 60

$10.45

$52.25

$104.50

$156.75

$209.00

$261.25

$313.50

61 to 63

$17.05

$85.25

$170.50

$255.75

$341.00

$426.25

$511.50

64 to 65

$21.00

$105.00

$210.00

$315.00

$420.00

$525.00

$630.00

66 to 68

$38.95

$194.75

$389.50

$584.25

$779.00

$973.75

$1,168.50

69 to 70

$44.85

$224.25

$448.50

$672.75

$897.00

$1,121.25

$1,345.50

You can choose your sum assured in multiples of $10,000 from $10,000 up to $300,000 each for you, your husband or wife2 and your child3.
You can pay your premium either on a monthly or yearly basis and it will be deducted via your OCBC Plus! or NTUC Plus! Visa credit- or debit-card. If you wish to pay your premium on a yearly basis, the yearly premium will be the monthly premium multiplied by 12 months. Premium rates are not guaranteed and may be reviewed from time to time. The premiums that you pay are based on the sum assured and insured’s age next birthday. Premium rates will change when the insured enters a higher age band.

Important notes

1 Premiums must be paid using your OCBC Plus! or NTUC Plus! Visa credit- or debit-card. All coverage will end if you fail to maintain at least one OCBC Plus! or NTUC Plus! Visa card issued by OCBC Bank.

2 You and your husband or wife must be at least 16 years old at the point of application. The oldest you and your husband or wife can take up the policy is age 60 and coverage will end when you or your husband or wife reaches the age of 70.

3 Your child must be at least 15 days old at the point of application. The oldest your child can take up this policy is age 17. Your child’s cover will end when your child reaches the age of 25. This plan does not cover any claim or loss arising from insured taking part in full-time National Service.

Benefits

A home protection plan, exclusively designed to suit your needs.

We believe your home deserves the best protection. Protect what makes your house a home. For most people, their home is their greatest asset. That is why we have designed an insurance plan that protects you, your family and your home against unforeseen events.

Benefits at a glance

  1. Protection for your home including the building1, renovations2 and contents3
  2. Additional benefits such as personal accident and worldwide liability covering you and your family
  3. Flexible plans to suit your needs

Protection against unforeseen events

Enhanced Home Insurance protects your home against unforeseen insured events4 such as fire, theft, flood and even damage due to bursting of water pipes or tanks.

Choose a plan that suits your needs

Whether you are a homeowner or tenant, we understand that your home and personal contents are important to you. With Enhanced Home Insurance, you can enjoy the flexibility to choose the coverage amount you need for your building, renovations and contents.

Additional Benefits

For yours and your family’s added protection, our plan also covers the following benefits at no additional premium.
Benefit Maximum benefit limit ($)

Professional fees

10% of total benefit limit of building/renovations cover

Removal of debris

5% of the total benefit limit of building/renovations and contents cover

Temporary cover for new improvements

10% of the total benefit limit of building/renovations cover

Loss of rental income and extra hotel expenses
Extra hotel expenses

Overall section limit: 10% of the total benefit limit of building/renovations and contents cover
Sub-limit: Up to $350 a day

Conservancy charges

$1,000

Accidental breakage of mirrors and fixed glass

$1,000

Loss of or damage to contents while being temporarily removed from the premises

Overall section limit: 15% of the total benefit limit of contents cover
Sub-limit: $500 for each item

Loss of or damage to contents belonging to your domestic helper

$500

Replacing locks and keys

$500

Deterioration of food in the refrigerator

$500

Unauthorised transactions on your stolen atm or credit card

$1,000

Family personal accident
a. Adult aged 21 but under 70 years old
b. Child aged from 30 days to 21 years old

Overall section limit: $50,000
Sub-limit: $20,000 for each adult
Sub-limit: $10,000 for each child

Medical expenses for injury due to an insured event

$1,000

Family worldwide liability

$500,000

Loss of domestic pet

$500

Emergency cash allowance

$500

Stress payment

$300

  1. Building means the building structure (but not the foundations), fixtures and fittings based on HDB’s or the property developer’s standard specifications.
  2. Renovations means improvements and additions made within the premises by you or any previous owner or tenant in the form of fixtures and fittings. For example, this could include flooring, built-in wardrobes and kitchen cabinets. They do not form part of the building cover.
  3. Contents means any physical and movable household items or personal belongings including money and valuables kept within the premises that belong to you or your family members. But it does not include, amongst other items, motor vehicles, pets and items connected with your business or trade. Please refer to the policy contract for the exclusions and the benefit sub-limits for each type of content.
  4. Insured events means:
    1. Fire, lightning or explosion.
    2. Being hit by a road vehicle, train, animal, flying object or aircraft which you or your family members do not own or control.
    3. Actual or attempted theft as long as force and violence are used to get into or out of the premises. You must not leave the premises unoccupied.
    4. Bursting or overflowing of domestic water tanks, apparatus or pipes in your premises (but not damage to water tanks, apparatus and pipes and expenses for tracing the source of the leak). The premises must not be left unoccupied.
    5. Hurricane, cyclone, typhoon, windstorm, earthquake or volcanic eruption.
    6. Flood caused by water overflowing or escaping from its normal channels. This includes flood caused by the sea, windstorm, bursting or overflowing of public water mains or any other flow or build-up of water coming from outside the building structures.
    7. Riot, strike or malicious act.

Disclaimer

All insurance products are underwritten by NTUC Income Insurance Co-operative Limited UEN. No.S97CS0162D. Insurance products distributed through Plus! U herein are products of Income and are governed by contracts entered into between the policyholder and Income, and not with NTUC FairPrice Co-operative Limited, Link Loyalty Services Pte Ltd or OCBC Bank. Insurance products are not bank deposits or obligations of, or guaranteed by OCBC Bank. No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by Income, Plus! U, NTUC FairPrice Co-operative Limited, Link Loyalty Services Pte Ltd or OCBC Bank and it should not be relied upon as such. Income, Plus! U, NTUC FairPrice Co-operative Limited, Link Loyalty Services Pte Ltd and OCBC Bank do not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. Income, Plus! U, NTUC FairPrice Co-operative Limited, Link Loyalty Services Pte Ltd and OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

All insurance policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact Income or visit the GIA/LIA or SDIC web-sites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).