What is NS LifeSG credit and NS55 credits and who is eligible to receive them?
The NS LifeSG credits is a reward given to past and present NS servicemen for their contributions to Singapore’s defence and security. In 2024, all NSFs, past and present NSMen from both SAF and HomeTeam will receive S$200 credits that they can utilise at participating merchants. The reward will be disbursed through the LifeSG app.
Eligible personnel will receive SMS and mail notifications once their credits are available, with credits being progressively added to individual accounts by 30 November 2024. To redeem the credits or check its balance, you can download the LifeSG app and then login with SingPass.
Previously, in 2022, the NS55 credits (National Service 55 Recognition Package) were similarly awarded to NS servicemen to honor their commitment to national defence.
Where can I redeem NS LifeSG credits? List of all NS LifeSG merchants
The NS LifeSG credits can be spent at any online or offline merchant that accepts NETS QR or PayNow UEN QR. The following is a non-exhaustive list of participating merchants where you can use your NS Life credits:
E-Commerce
- Amazon
- Shopee
- TotallyHotStuff
Education
- Artary
- Crestar
- Edufirst Learning Centre
- LCentral English
- LingoAce
- Medley Music School
- Mind Stretcher
- Nurturestars Preschool
- SAFRA Canvas Ark
- StepUp Learning & Dance
- ThinkersBox
- Tien Hsia Language School
- Yamaha Music
Bakery & Confectionery
- Cat & the Fiddle
- Duke’s Bakery
Casual Dining & Fast Food
- Axsolute Bistro
- Canadian Pizza
- Domino’s Pizza
- Koi
- McDonald’s (pay at counter only)
- Nassim Hill
- Pizza Hut
- Renew Deli
- Springleaf Prata Place
- Sushi Express
- Wingstop (at SAFRA Punggol only)
Food Kiosks & Light Bites
- Bee Cheng Hiang
- Four Seasons Durians
- Mr Bean
- Old Chang Kee
- Playmade
Restaurants & Cafes
- Andersen’s of Denmark
- Brewerkz
- Café Iguana
- COLLIN’S®
- Curry Times
- Do Qoo Singapore
- Eatzi Steakhouse Bistro
- FOREST5 Darts Café
- Georges
- Golf Spot Cafe & Bistro
- Huo Guo Kung Fu
- Jack’s Place
- Jubilee Garden Restaurant
- KPO Café & Bar
- L’Espresso
- Pearl Garden Restaurant
- Princess Terrace Café
- Rasa Istimewa
- SaVanh Bistro & Lounge
- Shima Restaurant
- Siam Kitchen
- Suki Suki Thai Hot Pot
- Summer Garden Restaurant
- Tien Court Restaurant
- Timbre X SEA
- Timbre+ One-North &
- Timbre+ Eastside
- Turandot Music Restaurant Bar
- WTF by IndoChine
Beauty & Wellness
- Nature’s Farm
- QN Wellness
- Sri Bayu Balinese Spa
- The Spa by The Ultimate
Books & Stationery
- Klosh
- Popular
- The Write Connection
Departmental Store
- BHG
Electronics & Technology
- Audio House
- Best Denki
- Bose
- KDK
- mc.2
- Ruhens SG
- SHURE
- Sony
Entertainment
- Arena Billiards
- Clique Billiards
- Clique Gaming
- Fame Music & Entertainment
- HaveFun Karaoke
- Headrock VR
- Jewel Music Box
- Lagoon Billiard Room
- Lagoon Snooker Centre
Fashion
- Bata
- BOTF
- Crumpler
- Havaianas
- Luminox
- Superga
Leisure & Travel
- Chan Brothers Travel
- Kidz Amaze
- Park Hotel Group Gift Mall
- Park Regis Singapore
- Sonic Bowl
- SuperBowl
- White Sails
Mall Vouchers
- Frasers Property Gift Cards
Services
- Caltex
- ComfortDelGro Taxi
- HappyK
- Lenskart
- Mach Accessories (S)
- Nuffield Holdings
- OneCare Medical Group
- PingAn Dental
- Raffles Dental
- Raffles Hospital (Specialist outpatient consultation)
- Raffles Medical
- Singlife with Aviva
- TADA
- TribeCar
Sports
- ASICS
- Active Lifestyle
- BazGym Gymnastics School
- Onyx East
- Reflex-O Recreations
- SAFRA EnergyOne Gym
- Yoga Inc.
Supermarkets & Convenience Stores
- 7 Eleven
- Cold Storage
- NTUC FairPrice
- Giant
- Guardian
- Sheng Siong
Some of these merchants offer additional discounts and freebies when you pay for their products and services using LifeSG credits.
Click here for the latest merchant list and information on LifeSG NS credits.
How to convert NS LifeSG credits into cash?
Since the credits started to be added into recipient’s LifeSG account, many have spared no time in utilising them. Apart from redeeming the credits at restaurants and supermarkets, tech-savvy guys found a hack to convert the digital credits to cash at Sheng Siong Supermarket’s $TM machines (the chain’s proprietary ATM that dispenses cash).
These $TM machines are located at almost all of Sheng Siong’s outlets (marked “with $TM Service) where one can withdraw cash using DBS/POSB/OCBC/UOB ATM card, PayNow or Singtel Dash, albeit with a S$0.20 service fee.
As the NS LifeSG credits are redeemed by scanning participating merchant’s PayNow QR code via the LifeSG app, similarly you can also scan the PayNow QR code at Sheng Siong’s ATM to withdraw cash.
On 9 July 2022, MINDEF clarified to Channel News Asia regarding the use of NS55 credits, affirming that national servicemen have the freedom to choose how they wish to use their credits. MINDEF stated, ‘National servicemen are free to decide how they would like to use the credits,’ confirming that encashing or utilizing the credits is entirely at the discretion of the servicemen. This policy will similarly apply to NS LifeSG credits.
Hooray! For those who are still undecided whether to convert their credits to cash for fear of violating any rules, regulations or laws, now you are free to do so!
Steps to withdrawal NS LifeSG credits at Sheng Siong's ATM
- Locate a Sheng Siong’s Simple Teller Machine ($TM)
- Tap on “PayNow” option
- Select “Other Amount”
- Enter “190” and tap “With Receipt”. Due to a S$0.20 service fee for withdrawals and a minimum denomination of S$10, the maximum amount you can withdraw from your NS LifeSG credits is S$190.
- Open your LifeSG app, under “Your Benefits” section, tap “NS LifeSG credits” card.
- Scroll down to tap on “Scan QR code to Pay” button.
- Use your phone to scan the QR code on Sheng Siong’s $TM screen.
- Wait for your cash to be dispensed. Be patient, it may take some time.
- Retrieve your receipt.
- Check your NS LifeSG credit balance in the LifeSG app. You should have S$9.80 left to use on other participating merchants.
Congratulations on receiving your S$190 cash!
Full NS LifeSG credits withdrawal
In addition to cash withdrawals at Sheng Siong, you can withdrawal the full S$200 via YouTrip, a third-party commercial travel wallet app.
However, please note that this process involves several additional steps, including creating a YouTrip account, using SingPass for MyInfo retrieval and submission, and linking a Mobile Number or NRIC-associated PayNow account for the bank transfer.
Once registered, you can top up your YouTrip wallet with your S$200 LifeSG credits and then transfer the entire amount to your bank account.
While this option may not be suitable for everyone, it can be a convenient choice for those who are comfortable with digital tools.
