I've been an NTUC Member for several years now, and have benefited from the various benefits and offers that come with it. For instance, within 2021 alone, I've already received over $100+ of FairPrice rebates which effectively reduced our grocery bills, earned LinkPoints on my son's monthly childcare fees and even used $195 of my UTAP credits this year to offset a certification exam that I went for.

Read more here on why I feel it is well worth the membership, and how I use the benefits in my daily life!

If you're a millennial or a parent like me, you're likely to find the membership perks and support schemes useful as well. From a personal finance standpoint, aside from helping you to save an incredible amount of money in a year, you can also benefit from low-cost insurance and investments to grow your wealth.

What's more, as NTUC celebrates its 60th anniversary this year, the union has put together several offers and merchant discounts for its members like us, which includes savings on daily essentials, leisure activities, courses and many more that contribute towards better health and financial well-being. 

Here are some of the offers that stood out to me:

Insurance: Complimentary $50,000 Basic Coverage

For instance, if you need to top up your insurance protection but have limited cash, you can sign up for NTUC Income's term life insurance, exclusively for NTUC Members. Underwritten by Income, the policy offers complimentary $50,000 LUV Basic coverage for the 1st year. What’s more, receive $25 daily hospital cash benefit in the event of hospitalisation (even if you're admitted for COVID-19) and you can also enhance your coverage further with LUV Deluxe cover to cover 30 critical illnesses - when we top up $10 per month in our case (we're in our 30s). See terms and conditions here.

Investments: Reduced advisory fees on diversified portfolios

Alternatively, you can also kickstart your investments with MoneyOwl (read about my experience with them here) because as an NTUC Member, you can enjoy an additional 10% off advisory fees on access to Dimensional Funds (read my review here), or even a complete waiver of advisory fees on their latest WiseIncome Fund that is specifically designed to provide you with a steady stream of passive income for the long term.

Courses: Learn with >60 courses for only $6 a year

NTUC LearningHub has specially curated a library of over 60 courses (more than 100 hours of learning) covering the various in-demand skills most coveted by employers in Singapore, spanning across technology, digital transformation, adaptive skills and more (modules include data visualization with python, Six Sigma basics, Power BI, etc). NTUC Members can now get access to all these courses at a discounted rate of only $6 a year and even receive certificates for them - this is incredibly good value for up-skilling yourself, especially when you compare how much it costs for to pay for certifications offered by other online learning platforms (such as Coursera)!

Consumer Deals

If you need a new phone, StarHub is currently offering NTUC Members up to an extra $200 off iPhone 12 mini, 20% off monthly subscription of their Mobile+ 2-year plans and more. For instance, all Mobile+ plans come with 5G service at no extra cost. The discounted $52 per month (on $65 plan) gives you 30GB of data, 500 outgoing minutes, free incoming calls, 200 SMSes, free caller number display and other perks including a 3-month Amazon Prime membership. For those of you not needing a phone, you can always choose a SIM Only 1-year plan with 60GB at just $20/mth.

You can also get up to $80 bill rebates if you intend to sign up for Sembcorp Power's electricity plan, together with $30 of NTUC vouchers for you to spend when you choose their 24-Month Fixed Price Plan. I don't know about you, but that's the equivalent of 2 - 3 months of my electricity bills in savings! Furthermore, they retire 50kWh worth of renewable energy certificates (RECs) every month on your behalf which means that you’ll be helping to avoid carbon dioxide emissions when you power your home with them. That means you’ll be getting cost savings and being able to do your part to protect the environment at the same time, too.


Healthcare costs are rising, but seeing a doctor doesn't have to be expensive, especially if you prefer to seek medical consultations from the comfort of your own home during this pandemic. As an NTUC Member, you can get telemedicine services from Fullerton Health with waiver of tele-consultation and medicine delivery fees

Retail Offers
Whether you’re shopping for your weekly groceries, grabbing a teatime drink or more, you can simply launch the MyNTUC app and look under "eCoupons" to claim a variety of promo codes:

For Families / Parents

Can't travel? No problem, because you can always explore Singapore with your family instead in the meantime with discounts off Sentosa attractions, Wild Wild Wet day passes and NERFAX plays! For NTUC Members with young children, you can also bring them to learn more about animals at attractions like Jurong Bird Park, Wildlife Reserves, River Safari, Singapore Zoo, Night Safari. Alternatively, how about visiting the Science Centre or playing at Snow City, or even going for playdates at indoor playgrounds such as Pororo Park, Tayo Station, SuperPark? Of course, be sure to abide by COVID-19 guidelines when you visit these places!

Greater Savings for NTUC Members

As you can see, being an NTUC member comes with a whole host of privileges, discounts and other benefits that can help you save money on your daily essentials, leisure, well-being and many more.

That's why I've personally stuck with my NTUC membership - because it is worth it.

Check out NTUC's 60th birthday offers here and follow their Facebook page here for announcements on new deals to come. 

Sponsored Message

At NTUC, every single Singaporean worker matters to us #EveryWorkerMatters. While we continue to take care and protect all workers, union members will continue to benefit through receiving more support and protection. We believe that NTUC members deserve the best - both at work and at play - and will always subscribe to our philosophy of "Members First, Workers Always".

If you're not an NTUC member yet, then you're seriously missing out! 
Get a Ginnie Beanie worth $108* when you join me as an NTUC member here today!

*Terms and conditions apply.

Disclosure: This post was written in collaboration with NTUC. Psst, my NTUC membership certainly isn't sponsored; I've been a paying member since 2018 and will continue to be!


All opinions expressed in this article are solely those of my own and do not reflect the opinions of NTUC Income Insurance Co-operative Limited (“Income”) or any of the other brands featured here.

The information contained in this article are provided and meant for general information only and do not constitute an offer, recommendation, solicitation or advice by Income or SG Budget Babe to buy or sell any product(s) or investment product(s). It is not and should not be relied as a financial advice and has no regards to any person’s investment and financial needs. If you are unsure whether this plan is suitable for you, you may seek personalised financial advice from a qualified insurance advisor. Otherwise, you may end up buying a plan that does not meet your expectations or needs. As a result, you may not be able to afford the premiums or get the insurance protection you want. Precise terms, conditions and exclusions of product are found in the policy contract. For customised advice to suit your specific needs, consult an Income insurance advisor.

Protected up to specified limits by SDIC. Information is correct as at 8 July 2021.