Compare the Best Trust Bank Credit Cards in Singapore 2026
Looking for the best Trust Bank credit cards in Singapore? Compare and find your ideal card with MoneySmart’s easy-to-use credit card comparison tool.
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We found 2 Trust Bank credit cards for you!
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Trust Bank Credit Card Key Features & Benefits: At a Glance
Trust Bank credit cards offer up to 21% savings on groceries and meals at FairPrice Group merchants through NTUC Link, with no annual fees and zero foreign transaction fees. Ideal for families and frequent FairPrice shoppers looking to maximize essential spending.
Trust Bank Credit Cards: Comparison
Card name | Key features | Main benefits | Annual fee | Limitations | Eligibility |
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| None | Cashback capped at $250 per quarter on preferred category; category choice resets quarterly Merchant/category exclusions apply | At least 21 years old Min. annual income Singaporean/PR:$30,000 Foreigner: $60,000 | |
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| None | LinkPoints and savings apply mainly at FairPrice, Kopitiam, Unity, and Cheers outlets Merchant/category exclusions apply | At least 21 years old Min. annual income Singaporean/PR: $30,000 Foreigner: $60,000 |
Both cards have $0 annual fees, no foreign transaction fees, and share the same eligibility criteria of minimum age and annual income requirements.
Note: While both cards offer rewards at participating FairPrice Group merchants (FairPrice, Kopitiam, Unity, Cheers), always check the Trust app or latest card terms for the most up-to-date list of eligible transactions and cashback/LinkPoints exclusions.
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Rewards & Cashback: How to Maximise Everyday Value
With Trust Bank credit cards, earning value on your daily spend is straightforward—especially if you shop regularly at NTUC FairPrice or want reliable cashback on your essentials. Here's how to get the most from either Trust card's rewards system:
How are cashback and Trust LinkPoints earned?
Cashback | LinkPoints | |
Card name | Cashback Credit Card by Trust | NTUC Link Credit Card by Trust |
How you earn | Choose one preferred category (such as groceries, dining, or shopping) each quarter via the Trust app | Earn up to 21% savings in LinkPoints on eligible grocery, food, and pharmacy purchases at FairPrice, Kopitiam, Unity, and Cheers. |
Rebate rate | Earn 15% bonus cashback on eligible spend categories (capped at $250 cashback per quarter). Earn unlimited 1% cashback on all other spend, no minimum spend required. | LinkPoints translate to direct savings at NTUC partners for instant discounts at checkout. |
Best for | Flexible, everyday expenses; frequent digital spenders; no-fee seekers | NTUC FairPrice members |
Exclusions | You won't earn cashback or LinkPoints on the following:
| |
Strategy: How to maximise Trust credit cards?
Cashback Credit Card by Trust | NTUC Link Credit Card by Trust |
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How to Apply For Trust Credit Cards in Singapore?
Eligibility criteria
Criteria | Singaporeans & PRs | Foreigners |
Minimum age | 21 years | 21 years |
Annual income | $30,000 | $60,000 |
Required documents | NRIC (via MyInfo/Singpass recommended) | Passport, work pass, income proof (salary slips or Notice of Assessment) |
Note: Applicants must not already hold a Trust credit card, savings account, or loan when applying under the new customer promotion.
Common application mistakes & how to avoid them
Missing or incorrect documents
- Submittingincomplete, blurry, or mismatched e-documents (such as payslips or NRIC copies) slows down approval or leads to rejection.
- 🔨 Fix: Check that all uploads are clear, legible, and match what's required for your applicant type.
Ineligible applicant type
- Applying as a new customer when you already have a Trust product (card/account/loan) disqualifies you from new-to-bank promos.
- 🔨 Fix: Double-check your existing relationship with Trust Bank before starting the application.
Not using MyInfo/Singpass
- Manually entering information increases error risk and can delay verification.
- 🔨 Fix: Whenever available, use MyInfo/Singpass for safe and near-instant data transfer.
Incorrect income declaration
- Declaring annual income below the minimum ($30,000 for Singaporean/PR, $60,000 for foreigners) causes an automatic rejection.
- 🔨 Fix: Confirm your annual income meets or exceeds requirements before applying.
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.
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.
Explore other products from Trust Bank Singapore
Exclusive MoneySmart Promotion 2026
| Credit card | Card benefits | Annual fee | Minimum annual income | Current MoneySmart promo |
|---|---|---|---|---|
| Cashback Credit Card by Trust |
Up to 15% cashback on your preferred category Up to 1% unlimited instant cashback |
S$0 | S$30,000 (Singaporeans/PRs) S$60,000 (Foreigners) |
MoneySmart Exclusive Receive S$50 FairPrice E-Vouchers, plus stand a chance to win additional prizes — including an Apple iPhone 17 Pro Max 256GB, Apple iPhone Air 256GB, Apple Watch SE, and S$20 FairPrice E-Vouchers — when you go to the Quest assigned to you in your Trust App and make one Eligible Spend during the Quest promotion period. Valid till: 31 March 2026 |
| NTUC Link Credit Card by Trust |
Up to 21% cashback on groceries and food Up to 20% on petrol |
S$0 | S$30,000 (Singaporeans/PRs) S$60,000 (Foreigners) |
MoneySmart Exclusive Receive S$50 FairPrice E-Vouchers, plus stand a chance to win additional prizes — including an Apple iPhone 17 Pro Max 256GB, Apple iPhone Air 256GB, Apple Watch SE, and S$20 FairPrice E-Vouchers — when you go to the Quest assigned to you in your Trust App and make one Eligible Spend during the Quest promotion period. Valid till: 31 March 2026 |
FAQs About Trust Credit Cards in Singapore
What should I do if my card is lost or stolen?
- Fraud monitoring: All transactions trigger instant notifications, helping you detect unusual activity fast.
- Freeze instantly in-app: Use the Trust app to lock your card immediately; no phone call needed.
- Card replacement: Request a new card (digital or physical) via the app. Digital card details are available instantly, while physical cards arrive within 5–7 business days.
What are payment deadlines and penalties for late repayment?
- Interest-free period: Up to 45 days from the date of purchase.
- Minimum repayment: The greater of S$50 or 1% of principal balance, plus any interest, fees, and overdue amounts.
- Late fee: $100 charged if payment isn't received by the due date.
Interest charges:
- Cashback Credit Card: 27.9% EIR per annum (0.076% daily)
- NTUC Link Credit Card: 26.9% EIR per annum (0.074% daily)
- Interest is calculated daily from the transaction date if you don't pay in full by the due date
How do I monitor my transactions or change my credit limit?
Track all transactions instantly in the Trust app with real-time push notifications. Set spending limits, freeze/unfreeze your card, disable contactless payments, and request credit limit adjustments all within the app. Approval for limit changes depends on your income, credit history, and account standing.
What are the eligibility requirements for Trust Bank credit cards?
You must be at least 21 years old with a minimum annual income of $30,000 (Singaporeans/PRs) or $60,000 (foreigners). Singaporeans and PRs can apply quickly via MyInfo, while foreigners need to submit income documents and passport copies.
Do Trust credit cards have any annual fee or foreign transaction fee?
No, both Trust credit cards have zero annual fees (including supplementary cards) and no foreign transaction fee. This allows you to spend in other currencies (online or abroad) without extra charges.
How do I apply and how long does approval take?
Apply for a Trust credit card using MoneySmart's card comparison tool and capitalise on exclusive MoneySmart sign-up promotions. During application, use Singpass MyInfo for the fastest, seamless application. Most applicants receive near-instant approval with card details accessible in the app immediately; physical cards arrive within 5–7 business days.
What rewards do I get and how do I maximise them?
The Cashback Credit Card by Trust offers up to 15% cashback on your preferred category (dining, shopping, travel, etc.) changed quarterly with a $250/quarter cap, plus 1% unlimited cashback on all other spend.
The NTUC Link Credit Card by Trust is ideal for NTUC members, delivering up to 21% savings at FairPrice Group merchants (FairPrice, Unity, Kopitiam, Cheers) through LinkPoints. Check the Trust app for current merchant and category exclusions.