Trust Bank Referral Code 2GG9T8K3: How to Actually Earn the 100,000 Max Miles (Spend Plan, Exclusions, Redemption)

Trust Bank referral code is 2GG9T8K3, entered at the first "Get Started" screen.

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Most posts about the Trust Freedom Card miles offer stop at "up to 100,000 Max Miles" and leave out the part that matters: what the spend actually looks like, what counts toward it, and how you cash the miles in. Approval has to land by 31 Oct 2026, so here's the working version.

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What you need to qualify

1. You must be new to Trust credit cards: no principal Trust credit card now, and never before.
2. Apply for the Freedom Card and get approved between 21 Sep and 31 Oct 2026.
3. Select Miles as your reward mode during onboarding. Update the Trust app first, since the Miles option may not show on older versions.
4. Hit the spend tiers within 31 days of approval (the landing page also mentions 30 Nov as an outer cut-off, whichever comes first).

The tiers, and what each dollar is really worth

1. S$1,000 spent: 20,000 Max Miles. That works out to about 20 miles per dollar on that first S$1,000.
2. S$5,000 total: another 30,000, so 50,000 in all. Cumulatively about 10 miles per dollar, and the extra S$4,000 earns about 7.5 miles per dollar.
3. S$15,000 total: another 50,000, so 100,000 in all. Cumulatively about 6.7 miles per dollar, and the last S$10,000 earns 5 miles per dollar.
4. On top of that you earn the card's regular 1.3 miles per dollar, local or overseas, with no FX fee.

So the bonus gets thinner the further you go. The first S$1,000 is the best deal on the card by far, and the S$5,000 tier is still strong. The S$15,000 tier only makes sense if you already have that spend coming, like annual premiums, a big purchase or a family trip. I wouldn't change my spending just to chase the last tier.

What counts toward the spend (check this before you plan)

Per the terms summarised on my page, these are excluded from qualifying spend: education, utilities, insurance, government services, GrabPay top-ups, CardUp-type payments and a few other merchant categories. So tuition or insurance premiums will not help you reach a tier. Read Trust's own terms before you route a big payment through the card.

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How you get the miles

1. When you reach a tier, a scratch card appears under Rewards and then Quests, usually within 24 hours of validation.
2. Scratch it and copy the redemption code (it also sits under Coupons and Stamps).
3. Redeem it in the HeyMax app via Profile and then Redeem a Code. You'll need a HeyMax account.
4. The page lists 31 Dec 2026 as the redemption deadline, so don't sit on the codes.

On value, estimates put 100,000 Max Miles at roughly S$1,800 if you redeem through HeyMax at around 1.8 cents a mile. That's a ballpark, since what you get depends entirely on how you redeem.

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When I'd skip Miles mode

If you can't comfortably put S$1,000 on the card within a month, or you'd rather not think about redemptions, the cashback scratch card route is simpler: a sure-win reward with a top prize of S$8,000, no big spend target. The guaranteed minimum differs between sources (somewhere between S$18 and S$50), so look at Trust's own terms for the exact floor. Also note the Freedom Card needs S$30,000 annual income for citizens and PRs (S$60,000 for foreigners).

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Quick steps

1. Update, then open, the Trust Bank SG app.
2. Tap Get Started and enter 2GG9T8K3 immediately. It can't be added later.
3. Verify with Singpass and apply for the Freedom Card.
4. Choose Miles at onboarding.
5. Plan your S$1,000 / S$5,000 / S$15,000 spend, and track it against the 31-day window.

I keep the code, the October infographic and the full tier breakdown on this step-by-step referral code page, and I update it when Trust changes terms. For the official wording, check Trust's refer and earn page before you apply.

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For those already chasing this offer: are you aiming for the S$5,000 tier or going all the way to S$15,000? And has anyone had trouble getting the Miles option to appear in the app?