Trust Bank Referral Code 2GG9T8K3: Cashback or Stock Gift?

🎁 With Trust's current sign-up offer, the first choice is the type of gift you want. The maximum prize is not what every applicant receives.

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I'd check the reward selection before finishing the card application, because Cashback and Stockback lead to different gifts.

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👉 Trust Bank referral code: 2GG9T8K3

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Enter it at Get Started in the Trust Bank app , before completing your account setup. It cannot be added after the account is created.

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I'm a DLCuration page ambassador sharing its referral code. This post draws on the Trust sign-up options explained by DLCuration .

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💳 Your credit card gift options

• Cashback: the guide lists a sure-win Golden Scratch Card of S$50 to S$8,000, with no minimum spend. Cashback is credited to the credit card account.
• Stockback: choose Stockback on the Freedom card for a sure-win stock gift worth up to US$8,000, instead of the cashback gift.

The credit card sign-up gift is advertised until 31 January 2027. Trust's Freedom card page confirms the choice between a stock gift and cashback. S$8,000 cashback and US$8,000 in stocks are different currencies and alternative maximum prizes. They are not two rewards to add together.

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One source detail to be aware of: the guide gives a S$50 minimum in its main explanation but lists S$180 as the first amount in a separate credit-card prize list. I would check the live Quest for the applicable prize amounts rather than assume S$180 is guaranteed.

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🏦 Opening a savings account too?

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The separate savings-account referral offer lists a scratch card worth S$8 to S$1,888, credited to your Trust savings account, with no minimum spend. Listed prize amounts are S$8, S$88, S$288 and S$1,888.

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The guide says eligible new customers can receive both the credit-card gift and the savings-account scratch card when opening both products. Check the savings Quest's own availability and expiry; the 31 January 2027 date is the stated credit-card gift deadline.

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📝 How to apply and reveal the reward

1. Download the Trust Bank app and tap Get Started.
2. Enter 2GG9T8K3 at the referral prompt before completing account creation.
3. Apply for your chosen credit card and/or savings account, complete verification and obtain approval.
4. For Freedom, check your reward preference under Rewards → My earnings → Freedom card → Switch rewards. The guide says to select it before your first statement closes. Confirm the matching gift in your Quest.
5. Open Rewards → Quests after approval. The guide states the gift should appear within 24 hours. Tap to reveal it and follow any claim instructions shown.
6. Use the scratch card before it expires. Unused scratch cards expire at the end of the month after issue.

For example, a scratch card issued in November 2026 should be used by 31 December 2026. If it has not appeared after one full business day, contact Trust through in-app chat.

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⚠️ The old miles bonus is no longer a new sign-up offer

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The 100,000 Max Miles sign-up promotion closed to new applicants on 31 October 2026. Choosing Miles mode now does not automatically qualify you for that old bonus.

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For customers whose cards were approved during the old campaign, the guide lists a spend deadline of 30 November 2026 or 31 days from approval, whichever is earlier, and a Max Miles code-redemption deadline of 31 December 2026. Those are fulfilment deadlines for existing participants, not an invitation for new applications.

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👤 Eligibility and other catches

• The referral is for people who have never held a Trust account, including an account that was later cancelled.
• Apply through the Trust app, with the code entered at the start. The guide excludes web applications from this referral flow.
• Credit-card approval is required. The stated income requirements are S$30,000 a year for Singaporeans/PRs and S$60,000 for foreigners, subject to the bank's assessment.
• A sure-win gift guarantees an eligible reward, not the maximum advertised amount.
• The card has no annual fee, but credit-card interest and other applicable charges still matter. I would pay the statement in full.

Eligible SGD savings deposits are SDIC-insured up to S$100,000 in aggregate per depositor per Scheme member. Stock gifts are investments, can change in value and are not insured deposits.

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My preference would come down to whether I want a statement credit or am comfortable holding an investment. Neither choice is a reason to spend more than planned. Not financial advice.