5 Things People Get Wrong About the Trust Bank Scratch Card (Code 2GG9T8K3), Before the 31 Oct Cut-Off

I keep reading the same misunderstandings in Trust threads, and a couple of them cost people the reward. Here are five, in order of how often they come up.

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1. "Sure-win means S$8,000."It means you win something. The range is S$18 to S$8,000 for cashback, or US$18 to US$8,000 in stock value if you pick Stockback. Trust's terms say the amount is allocated by a randomised system and is final, so nobody can promise you a particular tier. Treat S$8,000 as the best case, not the plan.

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2. "I'll add the referral code later."You can't. The code goes in at the first "Get Started" screen, before your account is set up. Skip past it and there's no adding it afterwards.

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3. "I'll open two cards and collect two scratch cards."The promo terms I've read say each customer is entitled to a maximum of one scratch card. Don't open extra products expecting extra scratch cards.

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4. "It'll sit in my app until I'm ready."It won't. Unused scratch cards expire 60 days after issue, and unclaimed rewards are forfeited. Also, the offer itself only covers sign-ups that complete by 31 Oct 2026.

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5. "Any Trust card gets me the 100,000 miles."It doesn't. The miles offer is for the Freedom Card only (not the Trust Link card), in Miles mode, chosen during onboarding, for people who have never held a Trust credit card. The top tier also needs S$15,000 in qualifying spend within 31 days.

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What is true: the cards have no annual fee, Trust is a MAS-licensed digital bank, and the reward is real money or stock if you qualify. It's a decent bonus for opening a card you'd consider anyway. It isn't a reason to take on a card you don't want.

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If you're sure you want the card, my code is 2GG9T8K3 and the terms and steps are summarised on my Trust referral code page. Disclosure: it's my referral link, and I get a small benefit if you sign up with it, which doesn't change your reward. Always check Trust's own terms, which override anything I've written.