Trust Freedom Card Referral Code 2GG9T8K3: 3% Stockback + Sure-Win Scratch Card

Referral Code: 2GG9T8K3

If you're comparing cashback vs. Stockback on the newly renamed Trust Freedom Card (formerly Trust Cashback Card, rebranded 13 Aug 2026), here's what the Stockback path actually pays out right now — plus the referral scratch card that comes with signing up.

What Stockback Actually Is

Earn 3% of eligible spend as fractional shares instead of cash, capped at S$500 worth per quarter
Choose from NVIDIA, Microsoft, Apple, Amazon, Alphabet, Meta, or Tesla
Applies to local and foreign spend alike
Rate steps down to 2% local / 0.5% foreign from 1 Jan 2027 — this is a promotional rate, not permanent
No annual fee, no FX fees on the card itself regardless of which reward you pick

Stockback vs. the Other Two Freedom Card Rewards

Unlimited 1.5% local / 0.5% foreign cashback — simplest, no caps, straight cash
Up to 15% Bonus cashback in one category you choose each quarter (1.0%/0.5% base + bonus)
3% Stockback — best if you want to dollar-cost-average into US stocks through everyday spend rather than earn cash

You pick your reward each quarter under Rewards → My Earnings, so you're not locked in.

Referral Bonus for Signing Up

Enter 2GG9T8K3 at the very first "Get Started" screen when you download the Trust Bank app
Get a guaranteed scratch card worth S$18 to S$8,000 cash — or the USD equivalent in stock if you're on Stockback
No minimum spend needed to trigger it, but you do need an approved credit card application (savings account alone doesn't count)
Reveal it under Rewards → Quests once approved

Who Stockback Actually Suits

People who already invest passively and want spend to compound into something rather than sit as cash
Big spenders who'll hit or exceed the S$500/quarter cap, since dollar-for-dollar cashback might edge it out below that
Anyone who wants exposure to US tech names without opening a separate brokerage account just for this