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Cashback Credit Card by Trust
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New-To-Trust customers get S$50 FairPrice E-Vouchers when you apply through MoneySmart! T&Cs apply.
[Stackable Trust "March - June Credit Card Acquisition" Giveaway Promotion]
Stand to get additional attractive prizes - Apple iPhone 17 Pro Max 256GB, Apple iPhone Air 256GB, Apple Watch SE, S$20 FairPrice E-Vouchers on top of the MoneySmart offer when you refer to the Quest that is allocated to you in your Trust App and make one Eligible Spend during the Quest’s promotion period! T&Cs apply.
Valid till 30 Jun 2026
Are you eligible?
- Promotions are valid for New-To-Trust Customers only
- Customers must apply through MoneySmart
- The Trust March - June Credit Card Acquisition Quest will be allocated to customers who have successfully signed up for their first credit card with Trust during the Promotion
What you need to know
- Refer to the Quest that is allocated to you in your Trust App > Rewards > Quest
- During the Quest’s promotion period, make one Eligible Spend* (as shown in your Quest)
- *Eligible Spend refers to spend which is not listed as ineligible for cashback rewards under the Trust Cashback and the Trust / NTUC Link credit card product terms
- You will receive 1 digital scratch card as provided in your Quest, in your Trust App under Rewards > Quests, after you complete the Quest during the promotion period
- You will be informed of the reward you have obtained upon scratching the scratch card
- The maximum number of scratch cards you may receive under this Promotion is 1
- All rewards will be fulfilled by Trust Bank
Card Details
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Cashback Credit Card by Trust Features & Benefits: Overview
The Trust Cashback Card stands out with its category flexibility, high cashback potential, and zero-fee structure. Here's a complete breakdown of what this card offers:
Feature | Details |
Eligibility | At least 18 years old Minimum annual income Singaporeans/PRs: $30,000 Foreigners: $60,000 |
Bonus cashback earn rate | Up to 15% cashback on your chosen category (dining, shopping, travel, wellness, transport, entertainment) ⭐ Preferred category can be changed every quarter via Trust app |
Cashback cap | Capped at $250 per quarter on preferred category ⭐ Need to spend S$1,666.67 per quarter to maximise $250 cashback |
Base cashback | [From 1 March 2026] Up to 1% on all eligible spend including preferred category, no minimum spend required |
Annual Fee | None Lifetime waiver for both primary and supplementary card |
📅 Exclusive MoneySmart offer | For new-to-Trust customers: Get $50 FairPrice E-vouchers when you apply via MoneySmart [Stackable rewards] Stand to win additional attractive prizes during "March - April Credit Card Acquisition" Giveaway—such as iPhone 17 Pro Max, iPhone Air, Apple Watch SE, extra S$20 vouchers). Valid until 31 Mar 2026. |
Other card benefits include:
- Partner perks: Up to 20% off at Caltex, Zig, Agoda, KFC, Deliveroo (stackable with cashback)
- Monitoring cashback: Enjoy 24/7 real-time cashback tracking in Trust app with instant updates after each transaction
- Fully digital: Access all primary card functions like lock/unlock card, track spend, select categories, manage security within the Trust app
- Digital payment methods available: Visa Contactless, Apple Pay, Samsung Pay, Google Pay
Pros & Cons of Cashback Credit Card by Trust
Pros ✅ | Cons ❌ |
One of the highest cashback rate in Singapore: Up to 15% cashback on preferred category | Quarterly cap at $250 requires strategic spending alignment (i.e. spend $1,666.67 per quarter to maximise cashback) |
1% unlimited cashback on all other eligible spend | Need to actively select preferred category per quarter |
Zero annual fee and zero FX fees (including Visa's 1% charge) | $100 late payment fee if missed due date |
Flexible category rotation per quarter | Higher $60,000 minimum annual income for foreigners |
Instant digital issuance with real-time tracking |
Cashback Card Comparison: Trust Cashback Card vs NTUC Link Trust Card vs OCBC 365 Card
Feature | Cashback Credit Card by Trust | ||
Bonus cashback | 15% cashback on chosen category (dining, shopping, travel, wellness, transport, entertainment) No minimum spend | Up to 21% savings at FairPrice Group merchants No minimum spend | Minimum $800/$1,600 spend per month to unlock: |
Base cashback | 1% unlimited on all eligible spend | Partner discounts (up to 20% at Caltex/Esso petrol) | 0.25% cashback on all other eligible spend |
Cashback cap | $250 cap per quarter on preferred category | Varies by merchant/promotion | $80 cap per month with min. $800 eligible spend $160 cap per month with min. $1,600 eligible spend |
Category flexibility | ✅ Rotate preferred category quarterly | ❌ Fixed (FairPrice Group focus) | ❌ Fixed categories |
Annual Fee | None | None | $196.20 (waived 2 years, then $10,000 annual spend) |
Foreign transaction fee | Zero | Zero | 3.25% |
Minimum annual income (Singaporeans/PRs) | $30,000 | $30,000 | $30,000 |
Minimum annual income (Foreigners) | $60,000 | $60,000 | $60,000 |
Interest rate (EIR) | 27.9% p.a. | 26.9% p.a. | 27.78% p.a. |
Interest-free period | 45 days | 45 days | 23 days |
Late payment fee | $100 | $100 | $100 |
READ: Best Credit Cards for Grab in Singapore
Who should choose which cashback card?
Credit card | Best for |
Cashback Credit Card by Trust | Strategic spenders who want high-rate category flexibility and zero fees; it's especially valuable for those whose spending patterns shift quarterly |
NTUC Link Trust Card | FairPrice loyalists and grocery-focused households seeking to maximise savings at specific merchant partners (FPG ecosystem) |
OCBC 365 Card | Consistent everyday spenders hitting minimum $800/$1,600 per month across fixed categories (petrol, dining, groceries, transport, bills) and willing to manage annual fee waivers. |
Customer Reviews on MoneySmart Credit Card Applications
Thinking of Trusting a Trust Credit Card?
Whether you want flexible cashback with the Trust Cashback Credit Card or more Linkpoints with the NTUC Link Credit Card, browse and compare the best Trust cards in Singapore.
How to Apply for the Cashback Credit Card by Trust in Singapore?
Key eligibility criteria
Requirement | Singaporeans/PRs | Foreigners |
Minimum age | 18 years old | 18 years old |
Minimum annual income | $30,000 | $60,000 |
Required documents | Apply via MyInfo; auto-verifies NRIC, income, employment Typically no additional documents required |
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Note: Applicants must not already hold a Trust credit card, savings account, or loan when applying under the new customer promotion.
Step-by-step guide: Trust credit card application
Step | Action | What to do | Timeline |
1 | Apply for Trust cards with MoneySmart | On this page, click on the "Apply Now" button of your preferred Trust credit card to begin your application journey. | Immediate |
2 | Login with MyInfo/Singpass | Authenticate using Singpass MyInfo to auto-fill your personal details from government records, minimising manual entry and errors | 1-2 minutes |
3 | Upload required documents | If MyInfo is unavailable, manually upload digital copies of NRIC (Singaporean/PR), Passport and Employment Pass (foreigners), and latest income documents (e.g. salary slips or Tax Notice of Assessment). | 3-5 minutes |
4 | Review and confirm | Double-check all pre-filled and manually entered details before submitting. Errors or omissions can delay the process | 2-3 minutes |
5 | Submit application & wait for approval | Once submitted, most applicants receive instant approval if MyInfo is used and eligibility is clear. If additional documents or clarification are needed, approval may take longer. | Instant to 1-3 working days |
6 | Card delivery and activation | Upon approval, your physical Trust Bank credit card is typically mailed. Digital card details may be available for immediate use in the app. Activate your physical card through the Trust app once received | 5-7 business days for physical card |
💡 MoneySmart Tip: Need help with your application? Contact Trust Bank via in-app chat, their Help Centre, or customer hotline for real-time support.
How to Earn & Maximise Cashback: Examples & Redemption
To help you understand what you can truly earn, here's a breakdown based on typical Singaporean spending patterns, factoring in the Cashback Credit Card by Trust's actual rates, caps, and exclusions.
Scenario #1: Dining enthusiast 🍽️
Category | Monthly spend | Quarterly spend | Cashback rate | Cashback calculation | Actual cashback earned |
Dining | $600 | $1,800 | 15% | $1,800 × 15% = $270 | $250 (capped) |
Other eligible spend | $400 | $1,200 | 1% | $1,200 × 1% = $12 | $12 |
Total cashback | $262 cashbackper quarter (or equivalent to $87.33 cashback per month) | ||||
Note: To fully maximise the $250 quarterly cap on dining, you should spend around $1,666.67 per quarter (or $555.56 per month). Any dining spend above this amount earns at 1% only.
Scenario #2: Online shopper 🛍️ + travel ✈️ (Rotating categories)
Quarter | Preferred category | Bonus category cashback | Base cashback | Total cashback earned |
Q1 | Online shopping | 15% x $1,500 = $225 | 1% x $900 = $9 | $234 cashback per quarter |
Q2 | Travel (Hotels/Flights) | 15% x $2,000 = $250 (capped) | 1% x $900 = $9 | $259 cashback per quarter |
Assuming you repeat the same rotating categories every alternating quarter (e.g. Online shopping for Q1/Q3; travel expenses for Q2/Q4), you'd earn approximately $986 total cashback in the year.
Scenario #3: Budget-conscious spender 🪙
Category | Quarterly spend | Cashback calculation | Actual cashback earned |
Dining (Preferred) | $900 | 15% x $900 = $135 | $135 |
Transport | $300 | 1% x $300 = $3 | $3 |
Others | $600 | 1% x $600 = $6 | $6 |
Total cashback | $144 cashback per quarter (or equivalent to $48 cashback per month) | ||
How to maximise cashback with Cashback Credit Card by Trust?
1. Select your category strategically
Analyse your upcoming major expenses each quarter. If you're planning a big overseas trip, select "Travel" as your preferred category. Hosting events or dining out frequently? Switch to "Dining."
Maximize the $250 cap by choosing categories where you'll spend at least $1,666.67 per quarter.
2. Track quarterly cap
Keep track of your preferred category spend in the Trust app. Once you've maxed out the bonus cashback on your chosen category within a quarter, your remaining additional spend will only earn 1% cashback. At that point, consider diversifying spend to other categories.
3. Use partner discounts
Take advantage of exclusive partner deals (up to 20% off at Caltex, Zig, Agoda, KFC, Deliveroo). These discounts stack with your cashback rewards, compounding your savings.
4. Time your redemptions
Check the Trust app regularly for cashback expiry policies. While the card offers real-time tracking, ensure you redeem rewards before any expiration dates to avoid losing earned cashback.
5. Maximize zero FX fees
Use this card for all overseas spend and international online purchases. With zero FX fee, you save immediately on every foreign transaction while earning the 1% unlimited cashback on eligible other spend.
Common mistakes to avoid
- Overspending on excluded categories: Take note of the card's commonly-excluded MCCs. Don't expect cashback on insurance, utilities, or government payments.
- Forgetting to change categories: Maximise returns by actively selecting your preferred category each quarter based on upcoming spending patterns.
- Forgetting cashback cap: Be mindful of the $250 cashback cap per quarter. Once you hit that cap, all spend (including your supposed preferred category) will immediately resort to the base 1% cashback instead.
- Ignoring partner deals: Failing to use partner discounts (Caltex, Agoda, etc.) means leaving extra savings on the table.
How to redeem cashback on Trust app?
Step | Action | Details |
1 | Open Trust App > Go to "Rewards" or "Cashback" | Log in with your credentials to view your accrued cashback balance on the dashboard |
2 | Tap "Redeem" or equivalent option | Choose redemption type: cash credit, FairPrice vouchers, or other options |
3 | Enter redemption amount & confirm | Submit your redemption request and complete it.
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Trust card management & support
Trust Bank's digital-first approach means no physical branch visits are required. You can manage your Trust credit card entirely through the Trust mobile app for:
- Activating your card,
- Linking to Apple Pay/Google Pay/Samsung Pay,
- Setting spending limits,
- Freezing/unfreezing your card instantly,
- Tracking real-time transactions & notifications,
- Accessing 24/7 in-app support, and more.
Both cards also work with Visa PayWave for contactless payments islandwide.
⭐ Still exploring your options? Compare Trust Bank cards with 100+ credit cards across all major banks in Singapore. Find the perfect match for your spending habits on our complete credit card comparison page.
FAQs About Cashback Credit Card by Trust
Who is eligible to apply for the Cashback Credit Card by Trust?
Applicants need to be at least 18 years old. Singapore Citizens and PRs need a minimum $30,000 annual income while eligible foreigners require a minimum $60,000 annual income, along with valid work permits (Employment Pass/S Pass/ Work Permit), passport copy, latest computerised payslip, and others.
How do I apply for the Cashback Credit Card by Card?
Use the MoneySmart Trust credit card comparison page to check out the key features and benefits of the Cashback Credit Card by Trust. Next, click on the "Apply Now" button to begin your application. Applying through MoneySmart qualifies you for exclusive sign-up promotions, like $50 FairPrice E-vouchers for New-to-Trust customers!
Are there any annual or hidden fees?
No, the Cashback Credit Card by Trust has no annual fee, no foreign transaction (FX) fees, and no local ATM/cash advance fees. This minimises any surprise costs, making it a handy travel credit card for overseas expenses.
Can I change my preferred cashback category?
Yes! You can select or change your preferred category every quarter via the Trust app. This flexibility allows you to align rewards with your evolving spending patterns (e.g., "Travel" for holiday season, "Dining" for festive months).
What transactions do not qualify for cashback?
Excluded transactions include payments for government services, insurance premiums, hospitals, donations, tuition, and utilities. Always check the Cashback Credit Card by Trust T&Cs in the Trust app for the complete, up-to-date list of eligible and excluded spend.
How do I redeem my earned cashback?
To redeem your cashback via the Trust app:
- Log in to the Trust app and access the "Rewards" or "Cashback" section.
- Tap "Redeem" to select your preferred option (e.g., cash credit or FairPrice e-vouchers).
- Confirm the redemption amount and complete the process! Redemptions are either credited instantly or within your Cashback Credit Card by Trust's next statement cycle.
Does cashback expire if I don't redeem it?
Check the Trust app for the latest cashback expiry policies. Ensure timely redemption to avoid losing earned rewards.
What if my cashback isn't credited or I experience issues?
- Check that your transaction was eligible and within the monthly cap.
- Review app notifications and statements for redemption or rejection details.
- For unresolved issues, contact Trust support through the in-app chat or their hotline.
Can I increase my cap or earn higher cashback rates?
No, you can't. Cashback rates and caps are fixed by the issuer, Trust. What you can control though, is maximising cashback returns through strategic credit card usage and allocation. For instance, for peak travel/holiday periods, adjust your quarterly bonus category to "Travel" to earn 15% bonus cashback on all eligible travel expenses.