Trust Bank Sign-Up Code 2GG9T8K3 October 2026: The Miles Collector's Complete Guide to 100,000 Max Miles (Worth S$1,800)

If you've been sitting on the sidelines about Trust Bank, October 2026 is the month to move. The Trust Freedom Card is offering up to 100,000 Max Miles as a sign-up bonus for new customers — the largest miles welcome offer I've seen from a no-annual-fee card in Singapore. And the sign-up code to unlock it is 2GG9T8K3.

​

Here's the full breakdown for anyone who wants to understand exactly how this works before they apply.

​

What 100,000 Max Miles actually buys you

At HeyMax's FlyAnywhere rate of 1.8 cents per mile, 100,000 Max Miles is worth S$1,800 — redeemable across 25+ airline and hotel partners including Singapore Airlines KrisFlyer, Cathay Pacific Asia Miles, JAL Mileage Bank, and more. For context, a Business Class redemption on a mid-haul SQ flight typically starts around 50,000–80,000 KrisFlyer miles. 100,000 Max Miles gets you comfortably into premium redemption territory.

​

The tiered spend structure

The 100,000 Max Miles sign-up bonus works in three tiers, all within 31 days of card approval (or by 30 November 2026, whichever comes first):

1. Hit S$1,000 spend → scratch card for 20,000 Max Miles
2. Hit S$5,000 total spend → scratch card for 30,000 Max Miles
3. Hit S$15,000 total spend → scratch card for 50,000 Max Miles

Each tier unlocks a separate scratch card in Rewards → Quests. Reveal the code on each card and enter it in the HeyMax app (Profile → Redeem a Code). Redemption expires 31 December 2026 — don't sit on the codes.

The first two tiers (S$1,000 and S$5,000) are realistic for most people with normal spending. The S$15,000 tier requires planning — think big-ticket purchases like electronics, home renovation bills, insurance (check the exclusions list), prepaid expenses, or family/business spending in one consolidated 31-day window.

​

What counts as qualifying spend (and what doesn't)

Qualifying spend is any transaction that posts to your Freedom card within the 31-day window and isn't on the exclusion list. Key exclusions to know:

• Education fees
• Utilities
• Insurance (some categories)
• Government services
• GrabPay top-ups
• CardUp and similar platforms (MCC 7299/7399)
• AXS, SAM, ATM transactions

Note that posted date — not transaction date — is what counts. A transaction made on the last day of your window that only posts the day after doesn't qualify. Plan your big spends with a few days' buffer before your 31-day deadline.

Hospitals (MCC 8062) are notably NOT on the exclusion list, which is useful for anyone with upcoming medical expenses.

​

The base earn rate: why Miles mode makes sense to keep

Beyond the sign-up bonus, the Trust Freedom Card in Miles mode earns 1.3 Trust Miles per S$1 on all SGD and foreign currency spend, with zero FX fees and no annual fee. Trust Miles convert to KrisFlyer or Max Miles at 1:1 (S$27.25 per conversion, regardless of the amount transferred).

For overseas spending, this is hard to match. Most miles cards in Singapore charge 3.25–3.5% in foreign transaction fees on top of their earn rate. The Freedom Card eliminates that fee entirely, making it effectively one of the better travel cards in the market even without the welcome bonus.

​

The cashback alternative (if miles aren't your thing)

If you'd rather take cash over miles, you can pick the cashback path instead: apply for any Trust credit card with code 2GG9T8K3, skip the Miles mode selection, and receive a sure-win Golden Scratch Card with guaranteed cashback of S$180, S$288, S$1,888, or S$8,000 — no minimum spend required, credited directly to your card account.

Both options use the same referral code 2GG9T8K3 entered at the "Get Started" screen.

​

Before you apply — checklist:

• Update your Trust app to the latest version (Miles mode may not appear on older builds)
• You must be new to Trust Bank (no existing or previously cancelled account)
• Link your Freedom card to HeyMax before your first transaction (the HeyMax app can only track spend made after card linking)
• Apply before 31 October 2026 and receive approval within the promo window

For the full guide including savings account scratch card details (S$8–S$1,888, separate bonus), the DLC curation referral page has been kept current:

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

​

Sign-up code: 2GG9T8K3 · Enter at the first "Get Started" screen · Valid until 31 Oct 2026 · New customers only