Trust Freedom Card Referral Code: 30D03D32 💳 — Scratch Card or up to 100,000 Max Miles

Use code 30D03D32 when applying for the Trust Freedom Card in the Trust app. New-to-Trust-credit-card customers get a sure-win scratch card (S$18 up to US$8,000 in stock) 🎰, or if you pick Miles mode, a separate welcome offer of up to 100,000 Max Miles ✈️. Both need approval by 31 Oct 2026.

What is the Trust Freedom Card? 🏦 Digital bank card from Trust (backed by SCB + FairPrice). No annual fee, no FX fee, min income S$30k/yr. The main draw: pick 1 of 4 reward modes, switch free every quarter:

• Stockback: 3% local/overseas till 31 Dec 2026 (then 2%/0.5%) — auto-invests into US stocks/ETFs every S$10 earned, capped S$500/quarter
• Miles: 1.3 Trust Miles per S$1
• Unlimited Cashback: 1.5% local / 0.5% overseas
• Bonus Cashback: up to 15% on one chosen category, 1% on the rest

What you get with the referral code: 🎁

Option 1 — Sure-win scratch card (Stockback/Cashback/Miles mode)

• Runs 13 Aug – 31 Oct 2026
• Worth S$18 to US$8,000 🤑 (top prize paid in US stock if on Stockback)
• No minimum spend
• Appears under Rewards → Quests within 24hrs of approval

Option 2 — Up to 100,000 Max Miles (Miles mode only)

• Runs 21 Sep – 31 Oct 2026
• S$1,000 spend → 20,000 Miles
• S$5,000 spend → 30,000 Miles (50,000 running total)
• S$15,000 spend → 50,000 Miles (100,000 running total)
• Spend counted within 31 days of approval or by 30 Nov 2026; redeem via HeyMax by 31 Dec 2026

You're picking one or the other based on your initial reward mode — can't get both. At HeyMax's ~1.8¢/mile cash-out rate, hitting the first S$1,000 tier ≈ S$360 value, which usually beats the scratch card if you can hit that spend naturally.

How to redeem: ✅

1. Download the Trust Bank SG app 📲
2. Tap "Use referral code" at sign-up, enter 30D03D32 (must be entered during application, can't add later ⚠️)
3. Verify via Singpass MyInfo
4. Pick your card + reward mode (Stockback/Cashback for scratch card, Miles for Max Miles)
5. Get approved by 31 Oct 2026, 11:59pm — approval date counts, not submission date
6. Check Rewards → Quests within 24hrs

Key T&Cs: 📌

• New to Trust credit cards only — even a cancelled old card disqualifies you, no 12-month reset
• Savings account signup alone doesn't trigger the credit card offer
• One scratch card per application session
• Excluded spend (insurance, utilities, govt services, e-wallet top-ups) doesn't count toward miles tiers — watch MCC 7299/7399/8999 "catch-all" codes
• Posting date matters, not transaction date
• Stockback rate drops to 2%/0.5% from 1 Jan 2027

Worth it? 🤔 Yes for most — free to hold, no FX fee, at least S$18 guaranteed. Good for overseas spend (FX rate close to Google's reference rate 🌏), big-ticket purchases, and small transactions under other cards' minimums. Skip it if you'll carry a balance (interest wipes out the reward) or already hold a Trust card.

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