How to get maximum rebate at NTUC (& other major groceries stores)

Most people who frequent NTUC would have probably applied for these cards:

(click for detailed terms and conditions)

Both cards guarantee you an additional 5%* off FairPrice Housebrand products and the automatic enrolment to LinkPoints Plus! Program**.

* FairPrice Housebrand is already at 5% discount. What the Plus!/NTUC Plus! Visa Card does is, it gives you an additional 5% discount. Good thing is that the additional 5% discount is calculated based on nett price after all promotional discounts and senior citizen discount. So the total discount is 5% + 5% = 10%.

**You earn 2 LinkPoints for every S$1 spent. And you can exchange 150 LinkPoints for S$1 off at FairPrice.

Spent S$1 to accumulate 2 LP

To accumulate 150 LP, you need to spend S$75

Base on the calculations above, you are only getting a 1/75*100 = 1.3% rebate when you use LinkPoints to offset your purchases at NTUC - that's isn't a lot, especially if you are not getting their Housebrand items.

Much to my pleasant surprise, I have recently discovered that Standard Chartered SingPost Platinum Visa Credit Card offers a 6% rebate on purchase at selected supermarkets (NTUC, Cold Storage, Giant, and Carrefour).

(click to apply for this credit card)