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[2022 Edition] NTUC Membership: Complete Guide To All The Benefits You Will Receive

There is more to an NTUC membership than just getting LinkPoints from NTUC FairPrice supermarkets.


With over 2.3 million members, NTUC’s Plus! Rewards Programme is one of the most popular memberships in Singapore. 7 different types of cards are available for the membership, but only 3 cards are for NTUC members – NTUC Plus! Card, OCBC NTUC Plus! Visa Debit/Credit Card and NTUC Social Membership Card (a rider for existing NTUC members). Non-union members are eligible to apply for the OCBC Plus! Visa Debit/Credit card that also allows them to earn rebate points and redeem at partnering outlets. But what exactly does it mean to be an NTUC member and is it worth the annual subscription of $117?

We examine the monetary and non-monetary benefits that NTUC members get to enjoy to help you decide.

What Is An NTUC Membership?

The NTUC membership is administered by the National Trades Union Congress, a national confederation of trade unions, as well as a network of professional associations and partners across all sectors in Singapore.

There are two types of membership available – Ordinary Branch and General Branch. If the company you are employed under has a relationship with their respective union, you will become an ordinary member under the union.

The union will represent Ordinary Branch members in wage negotiations and workplace issues. On the other hand, General Branch members do not have such rights, but can still enjoy the same social benefits as Ordinary Branch members, such as NTUC FairPrice rebates, Plus! Rewards and NTUC Club facilities.

To be eligible for a membership, applicants need to be at least 16 years of age, and they must not be personnel from the Singapore Police Force, Singapore Prisons, Auxiliary Police Bodies, foreign domestic workers and full-time students. The monthly subscription is $9 a month, with the exception for the month of December, where the subscription is $18.

An NTUC membership grants you both monetary and non-monetary benefits.

Monetary Benefits

#1 Plus! Rewards Programme

Plus! members can earn LinkPoints by shopping at Plus! partners, both online and offline.

Besides NTUC FairPrice supermarkets and Unity Pharmacies, you can also earn LinkPoints while getting your retail therapy fix at popular brand stores such as Adidas, Decathlon and Zalora.

For example, you will receive 0.5 LinkPoints for every $1 spent at all NTUC FairPrice supermarkets. You get to earn 0.83 LinkPoints for every $1 spent if you meet a minimum monthly spend of $400 at FairPrice, Cheers, Unity or affiliated outlets, The bonus LinkPoints will be credited on the 1st of the following month if you have met the minimum spend, which you can use to offset future purchases at selected Plus! partners.

NTUC members are also eligible to sign up for the NTUC Plus! Visa credit card which provides additional perks, such as getting up to 23% petrol savings, earning Link points from Visa transactions, on top of the usual NTUC membership benefits and privileges.

Read Also: Understanding Plus!, Singapore’s Largest Nation-Wide Rewards Programme (That Some People Are Still Not Using)

#2 Dividends And Cash Rebates From NTUC FairPrice

As an NTUC member, you are entitled to cash rebates (and dividends) from purchases made at NTUC FairPrice and Unity pharmacies. Cash rebates are based on a 2% rebate on purchases of up to $6,000 in the last financial year and are distributed annually along with dividends.

To be eligible for NTUC FairPrice Rebates and Dividends, you need to sign up as a NTUC FairPrice member. This can be done by subscribing to 20 NTUC FairPrice shares at $1 each and pay a one-time non-refundable entry fee of $3. There is also a “Join-Now-Pay-Later” scheme where you can pay for the 20 shares and entry fee ($23) with the rebates earned later on. The NTUC 20 shares will be refundable at $1 once the NTUC membership is concluded.

Dividends and rebates are subjected to approval at the respective Annual General Meetings each year.

#3 Membership Discounts And Privileges

NTUC members also get to enjoy discounts and privileges from over 1,000 outlet partners in dining, entertainment and lifestyle, as well as exclusive birthday treats. This includes 5% off Gongcha bubble tea, 12% off Zalora with 5% cashback, discounted rates to attractions and exclusive coupons and vouchers on platforms such as Foodpanda, Grab, and Shopee. Signing up for insurance with MoneyOwl also allows for 60% commission cashback. These are easily accessible through the MyNTUC app on mobile.

Additionally, member also enjoy special member rates on NTUC’s social enterprises. This includes additional LinkPoints for enrolment in MyFirstSkool, up to 15% off NTUC Value Meals at NTUC FoodFare and special members’ rate for home care from NTUC Health.

#4 Complimentary Group Insurance

Union members and their spouses who are 65 years of age and below are automatically covered against death and total & permanent disability of up to $40,000, under the NTUC GIFT group insurance. Senior members who are aged 65 years and above can also extend their coverage with a token fee (which is waived till end of 2022). Union leaders can get double the amount of sum assured. In addition, members can also sign up for NTUC Income’s LUV Term Life Insurance at a preferential rate.

Read Also: Guide To How NTUC Income’s Care Secure Works Hand-In-Hand With CareShield Life

#5 Union Training Assistance Programme (UTAP)

One of the training benefits for NTUC members is UTAP, which provides 50% unfunded course fee support under UTAP supported courses. The subsidy is capped at $250 each year. NTUC members who are 40 years old and above have a higher support cap of up to $500 per individual each year for courses attended between 1 July 2020 to 31 December 2022.

Do note that some criteria must be met in order to be eligible for UTAP subsidy, such as attaining a minimum attendance of 75% of the course duration, sitting for all prescribed examinations, and submitting the application within 6 months of course completion.

Read Also: Guide To Government Support Schemes For Singaporeans Who Are Retrenched In 2020

Non-Monetary Benefits

#1 Workplace Advisory & Representation

The NTUC Workplace Advisory is a free online service for union members to seek advice and assistance on workplace as well as employment-related matters.

Ordinary Branch members from unionised companies have access to workplace representation for wage negotiations and workplace issues. If you need any immediate assistance, you can visit [email protected] at Jurong East to be served on the same day.

On the other hand, General Branch members from non-unionised companies can seek professional advice from a dedicated team of experienced industrial relations practitioners.

#2 Legal Clinics

NTUC members have access to free basic legal advice with volunteer lawyers via the Law Works initiative, a partnership between NTUC and the Law Society of Singapore. It provides a series of legal primer talks for targeted groups of working professionals and monthly legal clinics for general legal advice and guidance on personal matters such as wills and matrimonial issues.

Do note that only basic legal advice and information are provided at the legal clinic. There will be no drafting or vetting of documents and letters, and each session will not exceed 20 minutes.

Read Also: Need Help With Legal Matters But Cannot Afford Fees? Here Are 5 Legal Clinics That Provide Pro Bono Consultations

#3 U PME Centre and Employment Support

Professionals, managers and executives (PMEs) members can also access the NTUC U PME Centre which aims to be a one-stop advisory centre for PMEs. The Centre integrates workplace, career and professional development advisory services into one platform. Members can book an appointment to meet a U PME Centre Consultant who can provide personalised individual advice.

NTUC provides also provides support to enhance employability and provide platforms to seek career opportunities. With the support from the Employment and Employability Institute (e2i), members have access to career fairs, employability workshop, and career support programmes such as Career Conversion Programmes for mid-career professionals and Career Trial that provides a short-term stint with prospective employers.

Read Also: Looking For A Job As A Singaporean? Here Are Government Grants, Resources And Other Support You Can Tap On: MyCareersFuture; Careers Connect; Career Support Programme; SGUnited Traineeships

#4 U Network

NTUC members can sign up to be a member of the U Network. It is a Labour Movement initiatives to enable professional development, training, job placement and networking opportunities for workers in different sectors, on top of traditional services such as protection and representation for the workers.

The U Network is comprised of Affiliated Unions and Associations, U Associate, U PME, U SME, U FSE. Members of the U Network are able to interact with fellow associates and unions to exchange ideas, learn from various leadership, share best practices and more.

U Network members can also seek assistance from the Tripartite Alliance for Dispute Management (TADM), which provides walk-in advisory services to help resolve workplace issues.

Read Also: Guide To Understanding Singapore’s National Wages Council – And How They Affect Your Salary

This article was first published on 18 January 2019 and updated to reflect latest benefits. Additional reporting by Agnes Goh.

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