Trust Freedom Credit Card
MoneySmart Exclusive
Earn Stockback | First in Singapore!
Earn Stockback | First in Singapore!

Trust Freedom Credit Card

The Trust Freedom Credit Card works like three cards in one — stockback, cashback or miles — and you can switch modes each quarter without a new application. Stockback is the headline: every eligible dollar builds up stockback value, and once it hits S$10 Trust buys fractional shares of a US stock or ETF you've picked from a list of 50. The S$0 annual fee and S$0 foreign transaction fee apply across all modes, which makes overseas spending straightforward whichever reward you're chasing. Worth considering if you value the flexibility to change your mind each quarter, and are comfortable committing to one reward type at a time.
3%
Stockback
Up to 1.5%
Unlimited Cashback
Up to 15%
Bonus Cashback

Apply now and redeem any of these:

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Apply for Trust Freedom Credit Card
MoneySmart Exclusive

Dive into spooktacular Halloween rewards with MoneySmart! Each day, the first 10 fastest claimants snatch exclusive Flash Deal prizes—from iPhone 18 Pro, MacBook Neo, Switch 2, PS5 and more—on top of your baseline reward! T&Cs apply.
 
Golden chance to win up to 8K USD stocks!
For new credit card customers! Get a sure-win stock gift valued up to 8K USD when you sign up and select Stockback as your reward.
Or get a sure-win cashback gift of up to S$8,000 when you choose Cashback as your reward. T&Cs apply.
 
Up to 100k Miles Welcome Offer!
Simply apply for Freedom card and accumulate min. spend within the first 31 days to:
- Get 20,000 Max Miles when you spend min. S$1,000
- OR get 50,000 Max Miles when you spend min. S$5,000
- OR get 100,000 Max Miles when you spend min. S$15,000 (that’s a round-trip ticket to Europe!)

Terms and conditions apply.

Valid till 31 Oct 2026

ARE YOU ELIGIBLE?

  • MoneySmart Exclusive Promotion is valid from 10-October 2026 to 31-October-2026

  • The Promotions are applicable for New-to-Trust Customers only

  • Customers need to apply through MoneySmart to be eligible

WHAT YOU NEED TO KNOW

  1. [MoneySmart Halloween Ghost Gifts Promotion 2026]
    This Halloween, unlock a treasure trove of ghostly gifts just for you! Claim your spooky reward like the Apple iPhone 18 Pro, MacBook Neo, Sony PlayStation 5, Nintendo Switch 2, Apple Watch Series 12, or Apple AirPods 5 — or simply grab S$5 cash via PayNow! Hurry, these ghoulish treasures vanish after October 31st, so don't miss out on your ultimate Halloween treat!

  2. [MoneySmart Halloween Ghost Gifts Promotion 2026]
    Be among the first 10 eligible customers each day during 10-31 October 2026 to submit the MoneySmart Claim Form, to qualify for Flash Deal prizes

  3. [Trust Welcome Offer]
    During the promotion period for the Stock/ Cashback gift, you will receive one digital scratch card in your Trust App under Rewards > Quests when you onboard successfully with a Trust credit card

  4. Your scratch card will entitle you to guaranteed cashback or stocks, as provided in your scratch card. The digital scratch card will have to be scratched for rewards to be credited

  5. You can only receive a maximum of one digital scratch card under this promotion, in your Trust App under Rewards > Quests

  6. Receive a sure-win stock gift worth up to 8,000 USD in stock from 1 of these 7 companies: NVIDIA, Microsoft, Apple, Amazon, Alphabet (Google), Meta or Tesla. Your stock reward will be selected at random.

  7. OR Receive a sure-win cashback gift of up to 8,000 SGD. Cashback reward is immediately credited into your Freedom credit card account.

  8. Receive a guaranteed US$18 stock gift, with a chance to receive up to US$8,000 or guaranteed S$18 cashback, with a chance to receive up to S$8,000 cashback

T&CsFAQClaim Form

Card Details

Good For

All purpose cash back, air miles or stockback credit card, with 1.3 miles for local & overseas OR 1.5% cash back. 3% Stock back as an additional option.

Frequent overseas spenders, since there's no foreign transaction fee and miles are earned at the same 1.3 mpd rate abroad as locally.

First-time investors who'd rather have their spending auto-invested into US stocks or ETFs than open a brokerage account themselves.

Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Why Trust MoneySmart 💡

MoneySmart helps Singaporeans compare verified financial products side-by-side, so you find the best credit card, loan, insurance and other personal finance products for your needs—before you apply, not after. As an MAS-licensed platform with over 15 years in the market and a 4.4/5 Google rating from more than 2,000 reviews, we surface exclusive sign-up bonuses and deals you won't find by going directly to a provider—with faster gift fulfilment and flexible redemption on top.

Page Meta

  • Meta title: Trust Freedom Credit Card: Rewards, Fees and How to Apply
  • Meta description: Trust Freedom Credit Card: choose Stockback, miles or cashback, switch every quarter, and pay $0 annual and FX fees. See rates, fees and how to apply.
  • Target keywords: trust freedom credit card, trust freedom card, trust credit card, trust bank credit card, trust card annual fee

Trust Freedom Credit Card: Stockback, Miles or Cashback

The Trust Freedom Credit Card is a Visa credit card from Trust Bank Singapore that lets you choose how you're rewarded: Stockback, miles, unlimited cashback or bonus cashback.

You can switch your reward mode every quarter with no fee or penalty, and the card charges a $0 annual card fee and $0 foreign transaction fee. Previously known as the Trust Cashback Card, Freedom is a Singapore product managed entirely in the Trust app.

Here's how each reward mode works, what the card costs, how it compares with Trust's other card and YouTrip, and how to apply.

How Trust Freedom Credit Card Rewards Work

You pick one reward mode for the whole card and can switch every quarter. The starting month of each quarter is set when you sign up and can't be changed later.

Reward mode

Local eligible spend

Foreign eligible spend

Key conditions

Stockback

3% stockback until 31 Dec 2026, then 2% from 1 Jan 2027

3% stockback until 31 Dec 2026, then 0.5% from 1 Jan 2027

  • Auto-invested in fractional shares of your chosen US stock or ETF once your stockback reaches $10
  • Capped at $500 a quarter
  • $0 commission fee when you sell

Miles

1.3 Trust Miles per $1 local spend

1.3 Trust Miles per $1 per foreign currency spend

Convert to miles with Trust's travel rewards partners

Unlimited cashback

1.5%

0.5%

No minimum spend, no cashback cap

Bonus cashback

Up to 15% on one preferred category

1% on other spend

0.5%

Bonus-earn categories: Eligible dining, shopping, travel, wellness, transport or entertainment merchants

15% bonus cashback rate requires $2,000 total eligible spend each month for 3 consecutive months

Bonus cashback capped at $250 a quarter

Disclaimer: Rewards aren't earned on cash advances, AXS or SAM payments, insurance premiums, Trust loan products, or categories such as utilities, education, government and charity payments. Cashback can only be used to offset your card balance.

⭐ If you mainly want miles on overseas spend or unlimited cashback, compare Freedom with other cards in those categories first.

Trust Freedom Credit Card Fees and Charges

Here are the main fees and charges on the Trust Freedom Credit Card:

Fee type

Trust Freedom Credit Card

Annual card fee

$0

Foreign currency transaction fee

$0 FX fee; foreign spend is converted at Visa's exchange rate with no fee from Trust

Interest on purchases (EIR)

Personalised; 18.9% to 29.9% p.a., reviewed every 6 months

Interest-free period

Applies if you pay in full by your payment date or within 15 days after your statement is generated

Late payment fee

$100, or $200 if your statement includes a loan instalment

Cash advance fee

8% on any cash advance over $5, with interest from the date it's posted and no interest-free period

Minimum monthly repayment

The greater of $50 or 1% of principal, plus interest, fees, charges and any overlimit or past-due amount

💡 MoneySmart Tip: To avoid interest and late fees, pay your full statement balance by the due date, and keep cash advances for emergencies only. See more credit cards with no annual fee.

Trust Freedom vs NTUC Link Trust Card vs YouTrip: Comparison

Here's how the Trust Freedom Credit Card compares with Trust's other credit card and YouTrip:

Card

⭐ Best for

Rewards

Fees

Trust Freedom Credit Card

Everyday local and overseas spend

3% stockback on eligible local and foreign spend (until 31 Dec 2026)

1.3 Trust Miles per $1 on eligible local and foreign spend

Unlimited 1.5% cashback on eligible local spend; 0.5% on eligible foreign spend

Up to 15% bonus cashback on 1 preferred category; 1% on other local spend and 0.5% on foreign spend

Can switch modes quarterly

$0 annual fee, $0 foreign transaction fee

NTUC Link Trust Card

FairPrice Group groceries and petrol

Up to 21% Linkpoints savings at FairPrice Group merchants and up to 20% petrol savings at Caltex and Esso

$0 annual fee, $0 foreign transaction fee

YouTrip (multi-currency card)

Travel spend in 150+ currencies

Cashback at selected merchants

0% foreign transaction fee at wholesale exchange rates; must be topped up before spending

Overall, the Trust Freedom Card suits you if you want one card for most spending and the flexibility to change rewards as your plans change. On the other hand, the NTUC Link Trust Card makes more sense if most of your spend is at FairPrice Group.

Furthermore, the Trust Freedom Card keeps things simple: no annual fee to waive, no FX fee, and a flexible rewarding system across all your spending—making it strategic for overseas spend and/or keeping travel spend off your designated local spend credit cards.

💡 MoneySmart Tip: Planning a trip? Switch to Miles mode for the quarter you travel, since it earns 1.3 Trust Miles per $1 on foreign spend, compared with 0.5% in Unlimited cashback mode.

How to Apply for a Trust Freedom Credit Card on MoneySmart

Follow these steps to go from comparing cards to using your Trust Freedom Credit Card:

Step

What to do

1. Compare Trust card options on MoneySmart

Compare the Trust Freedom Credit Card with other credit cards on MoneySmart or specifically browse all the Trust bank credit cards.

2. Check eligibility

You need a minimum annual income of $30,000 as a Singaporean or PR, or $60,000 as a foreigner

3. Prepare relevant documents

Singaporeans / PRs: Apply with Singpass Myinfo to auto-retrieve personal details for smooth and seamless application

Foreigners: Requires your latest computerised payslip and copy of valid passport

4. Apply via MoneySmart

Once decided, click “Apply Now” on the Trust Freedom Credit Card listing. Next, set your preferred credit limit and choose your reward mode.

5. Wait for approval

Trust reviews your application and confirms your credit limit once it's approved. You can lower your limit later in the Trust app.

6. Start using your credit card

You can start your card as soon as Trust approves it, and add the card’s digital version to Apple Pay, Google Pay or Samsung Pay.

Disclaimer: Rates and fees are accurate as of 16 October 2026 and may change. The Trust Freedom Credit Card is a borrowing facility, so use it within your budget to avoid high-interest debt.

What our customers say about MoneySmart Credit Cards Applications

4.4 rating of 2109 reviews
Google

This was the second time I signed up for an HSBC credit card through MoneySmart. The first time was about three years ago, and the second time was earlier this year. Both times, MoneySmart was punctual, responsive, and proactively kept me updated on my rewards status, without me having to chase them and with no ridiculous excuses given for delays. In fact, there were no delays. Sorry to say, but my experience with SingSaver last year was exactly the opposite, and I no longer trust SingSaver. Keep up the good work, MoneySmart!

JoikekaJoikeka
Google

Great platform to gain saving and special bonuses for credit cards and insurances! Thanks so much!!

Justin ChoeJustin Choe
Google

Had a good experience applying for my credit card through MoneySmart. The application process was straightforward, and the instructions on how to qualify for the promotional reward were clear. I also liked that I could track the reward status easily. Overall, it was a smooth experience, and I'd use MoneySmart again for future financial products.

Woon YeowkheongWoon Yeowkheong
Google

Applied for a credit card and requested to claim an Apple AirPod Pro 3 on Oct’ 26. Got the gift 8 months later. Long wait and almost forgotten but was a pleasant surprise when informed to collect.

Pam OngPam Ong
Google

I applied for a credit card through MoneySmart and successfully received the reward as promised. The application process was smooth overall, although it took about 5 months for the reward to be received. Customer service was responsive when I followed up, and I appreciate that the reward was eventually fulfilled. Thank you.

Poongundranar PiryasamyPoongundranar Piryasamy
Google

Very good platform to get rewards for new credit card sign ups. Done it many times over the past many years and I've been successful getting the cash reward each time. Reliable to me and I will continue to use this platform in the many years to come!

Amos Kuek Qi XiangAmos Kuek Qi Xiang
Google

Had applied a credit card and claimed the rewards with Moneysmart. The process was quite easy and the rewards was credited about a month after I had fulfilled the criteria. Updates on the process was prompt too. Kudos to the support team also. Thank you.

Johnny LJohnny L
Google

Deals here are amazing, may it be credit cards, travel insurance, or investment plans. Please continues to sync up with different partners to give us better deals.

Rahul PatelRahul Patel
Google

Good & competitive promotion for most of the credit cards

AaronZillAaronZill
Google

Great rewards for credit card application! Though wait for cashback

Lijun ZhengLijun Zheng

Before You Lock Down on the Trust Freedom Card…

Stockback, miles or cashback: the right reward depends on how you spend. Seek other credit cards by comparing them on MoneySmart to see how each card stacks up before applying.

Compare Cards

FAQs About the Trust Freedom Credit Card

How do I pay my Trust credit card bill?

Pay your Trust credit card bill in the Trust app, in Singapore dollars. Pay your full statement balance by the due date to avoid interest and the $100 late payment fee. If you hold both the Trust Freedom Credit Card and NTUC Link Trust Card, one payment settles both.

Is the Trust Freedom card a credit card?

Yes. The Trust Freedom Credit Card and NTUC Link Trust Card are both Visa credit cards, so you spend on credit and repay a monthly statement. Trust also issues a debit card with its savings account, which draws directly from your account balance.

Does the Trust Freedom Credit Card have an annual fee?

No. The Trust Freedom Credit Card has a $0 annual card fee, so there's nothing to waive or negotiate each year. Trust's other credit card, the NTUC Link Trust Card, also has no annual fee.

Which Trust credit card is better?

It depends on where you spend most. The Trust Freedom Credit Card suits general spending, letting you choose Stockback, miles or cashback each quarter. The NTUC Link Trust Card suits frequent FairPrice Group shoppers, with up to 21% savings at FairPrice Group merchants. Neither charges an annual or foreign transaction fee.

How do I use my Trust Freedom Credit Card overseas?

Use it anywhere Visa is accepted. You pay Visa's exchange rate with no foreign transaction fee from Trust. To withdraw cash overseas, first activate overseas ATM withdrawals in the Trust app; withdrawals count as cash advances, with an 8% fee and interest from the date they're posted.

How do I apply for a Trust Freedom Credit Card?

Click Apply Now on MoneySmart's Trust Freedom Credit Card listing, or apply in the Trust app. You need a minimum annual income of $30,000 as a Singaporean or PR, or $60,000 as a foreigner. Singaporeans and PRs can apply with Singpass Myinfo, and you can use the card as soon as Trust approves it.

How do I cancel my Trust credit card?

To cancel, first repay everything you owe, settle all transactions, resolve any disputed transactions and use up any cashback you've earned. Closing the card forfeits unconverted rewards, including stockback below $10 and Trust Miles you haven't converted.

Which bank issues the Trust card?

Trust Bank Singapore issues the Trust card. It's a digital bank formed through a partnership between Standard Chartered and FairPrice Group, and it holds a full bank licence from the Monetary Authority of Singapore (MAS).