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NTUC Link Credit Card by Trust
Apply now and redeem any of these:
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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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What Makes MoneySmart Trustworthy 👉🏻
NTUC Link Credit Card by Trust: Zero Fees, Instant Approval, & Fully Digital
The NTUC Link Credit Card by Trust is Singapore’s first truly digital-first, zero-fee credit card. It’s perfect for anyone who wants fuss-free rewards in the NTUC and LinkPoints ecosystem. Applying for the card (via MoneySmart) is refreshingly quick thanks to digital onboarding via the Trust Bank app and Singpass MyInfo.
Key features:
- Zero fees: No annual, supplementary, or foreign transaction fees
- LinkPoints rewards: Earn on every $1 spent; redeem at FairPrice, Unity, Cheers, and NTUC partners
- Instant approval: Digital onboarding via Trust app with Singpass MyInfo; use card immediately
- Fully digital: Manage card, track rewards, and payments in-app
How it compares to other Trust Bank credit cards
Card feature | ||
Rewards type | LinkPoints (up to 21% savings on groceries, 20% on petrol) | Up to 15% cashback on preferred category + 1% unlimited on all spend |
⭐ Best for | FairPrice groceries, Caltex/Esso petrol | |
Annual fee | $0 | $0 |
Foreign transaction fee | 0% | 0% |
Interest Rate (EIR) | 26.9% p.a. | 27.9% p.a. |
Min. annual income (Singaporean/PR) | $30,000 | $30,000 |
Key advantage | Highest savings on NTUC groceries and petrol | Flexible quarterly category rotation |
NTUC LinkPoints Earning & Redemption Guide in Singapore
Earn and redeem LinkPoints on daily spending at FairPrice Group and partner merchants with the NTUC Link Card by Trust. Here are some tips to capitalise on spending, maximise its rewards, and make your redemption journey as effortless as possible:
LinkPoints earning structure
Spending category | LinkPoints rate | Requirements | Notes |
FairPrice Group | Standard + Union Member bonus | None | FairPrice, FairPrice Finest, Unity, Cheers, FairPrice Online |
Petrol stations | Up to 20% savings | Caltex, Esso only | Automatic discount at pump |
NTUC partner merchants | Varies by merchant | Check Trust app for current list | Includes select NTUC Enterprise brands and participating retailers |
General spending | Base rate on all spend | Min. $700 per month outside FairPrice for max value | All eligible transactions count |
💡 MoneySmart Tip: NTUC Union Members earn accelerated LinkPoints rates at FairPrice Group merchants when paying with Trust Link Card.
How to redeem LinkPoints
Redeeming LinkPoints with the NTUC Link Credit Card by Trust is straightforward, seamless, and efficient. Points are processed instantly with no minimum redemption amount required. Thereafter, LinkPoints help to offset your transaction amounts directly at checkout.
In-app redemption | In-store redemption |
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NTUC Link Credit Card by Trust Fees & Charges
Fee / Charge type | Amount (SGD) | Waiver / remarks |
Annual fee | $0 | Lifetime waiver |
Supplementary card fee | $0 | Lifetime waiver |
Foreign currency transaction | 0% | No FX/admin fees on overseas or online foreign currency spend |
Late payment fee | $100 | Applies if minimum payment not received by due date |
Retail interest rate (EIR) | 26.9% p.a. on outstanding balances (min), calculated daily | 0.074% per day; no interest if full payment made by due date (45-day interest-free period) |
Cash advance fee | 8% for withdrawn amounts > $5 | Applicable to main cardholders only; supplementary cardholders cannot take out a cash advance |
Card replacement / Supplementary | $0 | Usually $50, but waived until further notice |
Foreign cheque processing fee | $0 | No fee |
💡 MoneySmart Tip: For a deep dive into how credit card fees work or to compare more options, visit the MoneySmart guide to all no annual fee credit cards in Singapore.
Eligibility & Application Process for NTUC Link Credit Card by Trust
Eligibility criteria
Requirement | Details |
Age | Must be at least 21 years old |
Citizenship / Residency |
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Minimum annual income |
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NTUC membership |
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How to Apply For NTUC Link Credit Card by Trust?
Step | Action | Details |
1 | Compare and apply via MoneySmart | Browse MoneySmart’s Trust credit card comparison page and select the NTUC Link Credit Card by Trust. When ready, click the “Apply Now” button to kickstart your card application journey. At this stage, you’ll be redirected to our MoneySmart Rewards Form to fill in your email address to qualify & track ongoing promotions and statuses. |
2 | Download the Trust app | Next, you’ll be instructed to download the Trust Bank app from Apple App Store or Google Play Store. Once done, open the app and select "Apply for Trust Link Credit Card". |
3 | Verify identity via MyInfo | For Singaporeans/PRs: Log in with Singpass and authorise your MyInfo access. By doing so, all your personal and income details are auto-filled—no document upload is needed. For foreigners: Also upload passport + latest payslip |
4 | Review and submit application form | Before submission, double-check all details are accurate. |
5 | Receive instant decision | Most applicants get immediate approval + digital card in app (ready to use instantly). If more info needed, check app notifications |
6 | Link & activate card | To set up your NTUC Link Credit Card by Trust on your digital wallet: Tap "Add to Apple Pay" or "Add to Google Pay" in app → Verify with OTP → Ready for contactless payments |
7 | Request physical card (Optional) | Otherwise, you may request for the physical card, which will take 6–7 days by mail to arrive. |
What if your application is unsuccessful?
Common rejection reasons include:
Reason | Criteria |
Insufficient income |
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Maximum credit limit reached | Total credit limit across all banks already at maximum |
Overdue loans | Outstanding overdue payments with other banks |
Missing records | No Notice of Assessment (NOA) or CPF records available ⭐ If additional documents are needed, you'll receive an in-app prompt or email. Submit via Trust app to continue processing. |
Below minimum age | Under 21 years old |
💡 Need help? For further assistance, contact Trust Bank support via in-app chat for clarification on your application status.
What Customers are Saying About Our Credit Card Applications (From Google Reviews)
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NTUC Link Credit Card by Trust vs. Competitor Credit Cards: Comparison
When sizing up the Trust Link Credit Card against other competitor or alternative cards (e.g. POSB Everyday Card, UOB One Card), there are standout contrasts in fees, rewards, and cashback. Here's what sets each card apart and where they shine:
Feature | NTUC Link Credit Card by Trust | POSB Everyday Card | UOB One Card |
Annual fee | $0 (lifetime waiver) | $196.20 (1st year waived) | $196.20 (1st year waived) |
Foreign transaction fee | 0% | Standard FX fees apply | Standard FX fees apply |
Cashback / rewards earn rate | Up to 21% at FairPrice + LinkPoints at relevant merchants (like FairPrice, Unity, Cheers, Caltex, and Esso) | 5% cash rebate at Sheng Siong / Redmart Up to 20.1% SPC fuel savings Up to 10% cash rebate on dining Up to 5% cash rebate on online shopping at partner merchants (like Amazon.sg, Shopee, SPC) | Up to 10% cashback at McDonald’s, Shopee, 7-Eleven, Grab, and public transport via SimplyGo Up to 8% cashback on groceries like Cold Storage Up to 22.66% Shell / SPC fuel savings |
Monthly spend requirement | $700 | Varies by category | $600–$2,000 (for max 10% cashback tier) |
⭐ Best for | FairPrice/NTUC shoppers | Sheng Siong + SPC users | High spenders across multiple partners |
How to Manage Your NTUC Link Trust Credit Card by Trust?
Issue | Solution |
Lost or stolen card | The Trust app comes with instant card lock/unlock features. In the event of a lost or stolen card:
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Update personal details |
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Track & redeem LinkPoints | View balance, receive real-time transaction alerts (push notifications), and redemption options in-app under LinkPoints dashboard. Redeem at checkout (in-store) or via app (instant). |
Bill payments & reminders | Access "Payments" section to pay bills, set up auto-pay, or enable due date reminders. |
Customer support |
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FAQs About NTUC Link Credit Card by Trust
Why was my Trust Link Credit Card application delayed or rejected?
Most rejections occur due to:
- Insufficient income (SG/PR minimum $30,000, foreigners $60,000 annually)
- Incomplete or incorrect MyInfo data during Singpass verification
- Missing income documentation
Ensure all details are accurate and upload any requested documents in the Trust app. Contact Trust support if the rejection reason is unclear.
How do I activate my digital or physical card?
Your digital card activates instantly upon approval and works immediately with Apple Pay/Google Pay. Physical cards (if requested) must be activated in the Trust app under "Card Management" before first use.
Why weren’t my NTUC LinkPoints credited?
Check the following:
- Transaction status (pending transactions don't earn points yet)
- Purchase category (verify it qualifies under eligible categories in rewards dashboard)
- Transaction posting date (points credit only after full processing)
If points remain missing after transaction posts, contact Trust via in-app support.
I’m unable to redeem LinkPoints in-store or through the app. What’s wrong?
If you’re unable to redeem your LinkPoints, try following these troubleshooting steps:
- Verify sufficient points balance for redemption amount
- Confirm merchant accepts LinkPoints redemptions
- For in-store redemption: notify cashier before payment and scan your card
If the issues persist, escalate your queries to the Trust in-app support.
How do I avoid late fees and interest charges?
Pay at least the minimum amount by the due date to avoid penalties:
- Minimum payment: $50 or 1% of principal (whichever is higher), plus interest/fees
- Late payment fee: $100
- Daily interest: 0.074% (26.9% EIR annually)
Set up auto-pay or reminders in the "Payments" section to avoid charges.