Last Chance October 2026: Trust Bank 2GG9T8K3 — 100,000 Max Miles Deadline + Savings Account Bonus Most Posts Miss

If you're reading this in October, there are two time-sensitive angles to the Trust Bank referral promotion that most posts don't flag clearly. Referral code is 2GG9T8K3. Here's what you need to know before the month closes.

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Time-sensitive angle ①: The 100,000 Max Miles offer expires 31 October 2026

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The Trust Freedom Card's 100,000 Max Miles sign-up bonus — one of the largest miles welcome offers ever seen on a no-annual-fee card in Singapore — closes at the end of this month. To be eligible, you must apply for the Trust Freedom Card between 21 September and 31 October 2026, receive approval before the promo ends, and select Miles as your reward mode during onboarding. The miles accumulate through spend tiers within 31 days of card approval, so the earlier in October you apply, the more spend time you have.

The tier structure:

1. Spend S$1,000 within 31 days of approval → scratch card for 20,000 Max Miles
2. Spend S$5,000 total → second scratch card for 30,000 more Max Miles (50,000 total)
3. Spend S$15,000 total → third scratch card for 50,000 more Max Miles (100,000 total)

Each scratch card appears in Rewards → Quests independently as each tier is validated. Reveal the code and enter it in the HeyMax app (Profile → Redeem a Code) before 31 December 2026 — that's the redemption deadline, not the application deadline. Missing the 31 October application window means missing this bonus entirely; the Freedom card will still earn 1.3 mpd with no FX fees after October, but without the 100K bonus miles.

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At HeyMax's FlyAnywhere rate of 1.8¢/mile, 100,000 Max Miles is worth S$1,800 in flexible redemptions across 25+ airline and hotel partners. For the S$5,000 spend tier specifically (50,000 Max Miles — S$900 in value), the effective return on that S$5,000 spend is 18% — unusual for a no-annual-fee card.

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Time-sensitive angle ②: The 3% Stockback rate also ends 31 December 2026

Separate from the Miles offer but worth combining: if you sign up for the Freedom card this month with code 2GG9T8K3 and choose Stockback mode (rather than Miles), the 3% Stockback rate on all spend (capped S$500/quarter) applies through Q4 2026. From 1 January 2027, the Stockback rate drops to 2% local / 0.5% foreign. October, November, and December 2026 are the last three months at the higher rate. If Stockback is your intended long-term mode, applying now captures one full bonus quarter at 3%.

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The savings account scratch card — the bonus most posts skip

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Nearly every Seedly post about Trust Bank focuses on the credit card scratch card and ignores the savings account bonus. Here it is:

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If you also open a Trust savings account alongside your credit card application using code 2GG9T8K3, you receive a completely separate sure-win scratch card. The savings account scratch card tiers for October 2026 are S$8, S$88, S$288, and S$1,888 — guaranteed, no minimum balance required, credited directly to your Trust savings account. This is a separate bonus from the credit card scratch card. Apply for both products to receive both rewards.

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The Trust savings account has no minimum balance and no monthly maintenance fee. It comes with a linked Trust debit card and competitive tiered interest rates. SGD deposits are SDIC-insured up to S$100,000. For anyone looking for a no-friction emergency fund account or a second salary crediting account, the savings account bonus makes the decision easy.

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Stacking all three bonuses with code 2GG9T8K3 in October

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It is possible to receive all three sign-up bonuses in the same month with one referral code:

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① Credit card cashback scratch card (S$180–S$8,000, sure-win, no min. spend) — via Freedom or Trust Link card application.

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② 100,000 Max Miles via spend tiers — via Freedom card in Miles mode, applied by 31 October 2026.

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③ Savings account scratch card (S$8–S$1,888, sure-win) — via Trust savings account opening alongside the credit card.

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Note that bonuses ① and ② are mutually exclusive paths for the same Freedom card application — you pick either cashback mode (path ①) or Miles mode (path ②) at onboarding. You can't receive both the guaranteed cashback scratch card and the miles tiers from the same card application. Choose based on your spending behaviour and whether you can realistically hit S$1,000+ in qualifying spend within 31 days.

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Before you apply: quick eligibility checklist

• New to Trust Bank — no existing or previously cancelled Trust account
• Valid Singpass for MyInfo onboarding
• Minimum annual income S$30,000 (Singapore Citizens and PRs) or S$60,000 (foreigners) for the credit card
• Trust app updated to the latest version (important for Miles mode to appear during onboarding)
• Enter code 2GG9T8K3 at the "Get Started" screen before any personal details — the code cannot be added after account creation

Full verified October 2026 bonus tiers and terms at:

https://dlcuration.com/trust-bank-referral-code...

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Code: 2GG9T8K3 · All three bonuses require new-to-Trust status · 100K Miles offer closes 31 Oct 2026 · T&Cs apply