Trust Bank Sign-Up Code 2GG9T8K3: NTUC FairPrice Shoppers — Is the Trust Link Card Better Than the Freedom Card?

One question that keeps coming up in Trust Bank posts on Seedly: "I shop at FairPrice every week — should I apply for the Freedom Card or the Trust Link card?" The answer matters because both trigger the same referral sign-up bonus with code 2GG9T8K3, but the ongoing rewards are quite different. Here's the full breakdown.

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Both cards share the same referral sign-up bonus

Whichever card you apply for first using referral code 2GG9T8K3 (entered at the "Get Started" screen before account setup), you receive a sure-win Golden Scratch Card worth S$180, S$288, S$1,888, or S$8,000 cashback — with no minimum spend and credited to your account within 24 hours of approval. Both carry no annual fee and no foreign transaction fees. Both require a minimum annual income of S$30,000 for Singapore Citizens and PRs. The sign-up bonus is identical; the card you pick only determines how you earn rewards after the scratch card.

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The Trust Freedom Card — best for most people

The Freedom Card is Trust Bank's flagship rewards card, rebranded from the Trust Cashback Card in August 2026. Its defining feature is the ability to switch your reward mode quarterly between three options:

❷ 3% Stockback on all local and foreign spend (capped S$500/quarter, promo rate until 31 December 2026, drops to 2% from January 2027). Your 3% accrues as fractional US shares — a first in Singapore.

❸ Unlimited 1.5% local cashback / 0.5% overseas cashback — instant, credited to your card, no caps, no categories to track.

❹ Bonus cashback — 1.0% base on local + up to 15% in one selected category (dining, groceries, transport, etc.) per quarter, plus 0.5% on overseas spend.

For October 2026 specifically, the Freedom card also unlocks the 100K Max Miles sign-up path: apply with code 2GG9T8K3, select Miles mode during onboarding, and earn up to 100,000 Max Miles via spend tiers (S$1,000 → 20K / S$5,000 → 50K / S$15,000 → 100K miles) within 31 days. Worth up to S$1,800 at HeyMax rates. This is a Freedom card-exclusive benefit — the Trust Link card does not offer Miles mode.

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The Trust Link / NTUC Link Card — best for heavy FairPrice shoppers

The Trust Link card forgoes Stockback and the miles option entirely. Instead, it earns Linkpoints at accelerated rates on all spend, with particularly strong rewards inside the FairPrice Group ecosystem — FairPrice supermarkets, Unity pharmacy, Kopitiam, Cheers, and Caltex. NTUC Union members get an additional tier of benefits on top.

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For a household that runs S$600–S$800 per month through FairPrice and regularly uses Caltex for petrol, the Trust Link card's grocery savings and Linkpoints can materially outperform a flat 1.5% cashback from the Freedom card. Linkpoints are redeemable from as little as 99 points (S$0.99 in value), making them practical for small top-ups rather than requiring large point banks before you see value.

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The Trust Link card has two variants: the Trust Link Credit Card (open to all eligible applicants) and the NTUC Link Credit Card (exclusively for NTUC Union members, with an additional layer of member perks and higher savings rates at FairPrice Group). If you're an NTUC member, the NTUC Link variant is generally the stronger pick within this category.

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Can you hold both cards?

Yes — Trust Bank allows customers to hold both the Freedom Card and a Trust Link / NTUC Link Card simultaneously. However, the referral sign-up bonus (scratch card) only triggers once, on your first approved credit card application using code 2GG9T8K3. Your second card application does not generate a second scratch card. So if you want to test which card you prefer before committing, the standard approach is to apply for your primary pick first to capture the bonus, then apply for the second card later if needed.

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The quick decision framework

Apply for the Trust Freedom Card if: your spending is spread across general categories, you travel internationally and want zero FX fees with 1.3 mpd miles, you invest and want the Stockback option, or you want maximum flexibility with mode-switching each quarter.

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Apply for the Trust Link / NTUC Link Card if: your household runs a high volume of spending specifically at FairPrice Group merchants, you're an NTUC Union member, and you're less interested in travel miles or stock rewards.

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Apply for both (in order, capture bonus on first card): if your spending naturally splits between FairPrice-heavy groceries and general everyday spending.

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Verified current October 2026 bonus tiers and card details at:

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

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Referral code: 2GG9T8K3 · Enter at "Get Started" before account setup · No annual fee on either card · New customers only · T&Cs apply