Hotline at the back of the card 6213 8008 *1**8 .. 9-5.30/9-12.30
— benefits #Remember we could terminate any time so let’s not care too much
- [$] Every $1 spent at (Unity or) Fairprice: link points + 4% patronage rebate + MB ccard cashback.
- dividend on the 20 shares of NTUC .. only $1.70 in mid 2024
- Cathay has partnership benefits
- [$] Healthway/RafflesMedical clinic discounts. Especially important when wife is off Cigna.
- .. Raffles said NTUC discount depends on medicine.
- .. Healthway said $15 consultation for NTUC (vs $28 regular price)
- GIFT .. $20k Life coverage for all current members. I think this amount is valuable to many low-income members. Risk sharing.
- .. small payout for spouse of member
- .. one limb/eye loss also has some payout
Dividend and patronage rebate numbers are hard to verify, only displayed in https://www.fairprice.com.sg/fpm/profile
~~ annual patronage rebate .. most tricky benefit. For some time the was a 4% patronate cashback in June and is capped at $240/Y. In 2024, I think it happened in mid May, in the form of link points.
| 15/05/2024 | Union/FP mbr patronage rebates | +10471 | for 81120014 |
| 15/05/2024 | Union/FP mbr patronage rebates | +4738 | for 90013516 |
— [$] NTUC dental .. 10% on basic treatments (5% for 2 kids), esp. important when wife is off Cigna
You can use the card, even after membership expires.
— [$] cable car $10 round trip. Just show the app screen when making payment.
waiting for customer service to tell me where to find the promo code
— cost $9 x 13 = $117/Y
I feel NTUC (900,000 paid members) is different from other paid memberships. Nanny state? I think NTUC is a key component of the “support network” provided by the state especially to the low income worker (and her family). The hotline and member service centers are well-staffed, far better than what’s available to low-income workers in the many rich countries.
[$] = Most “products” are bargain /deals/ needed by ordinary working families, rather than luxury, even more so than OC employee benefits. Traditionally targeting mid to low income workers having a family .. like community centers.
Am likely to keep this paid membership longer than other memberships.