Trust Bank
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Summary
Trust Bank Credit Card Review 2024
Card Features & Details
1) Key Features
- Enjoy up to 21% savings when you charge your FairPrice Group transactions to your Trust Bank Credit Card
- Enjoy up to 20% savings on fuel purchases at Caltex when you charge your fuel transactions to your Trust Bank Credit Card
- No annual fee and foreign transaction fee
- 100 Linkpoints = S$1 redemption
- NTUC Union Members can enjoy greater savings on FairPrice Group, Caltex, and outside FairPrice Group transactions
- Flexibility and freedom to choose your card repayment date and credit limit
- Trust Bank Credit Cardholders will receive both a physical and virtual card that can be paired with your Trust App
2) Benefits
NTUC Union Members
- 2.5% base savings rate: Earn unlimited savings of 0.5% on all FairPrice Group groceries and 0.22% on all other eligible non-FairPrice Group groceries
- 8.5% monthly bonus savings: Earn a monthly bonus of 8.5% savings when you spend a minimum of S$350 on non-FairPrice group purchases. Linkpoints are capped at 5,500 per calendar month
- 8.0% quarterly bonus savings: Earn 8% on your FairPrice Group purchases when you meet the monthly minimum required spending of S$350 for 3 consecutive months. Linkpoints capped at 7,500 per quarter
- 2.0% FairPrice annual member bonus: Earn 2% on your FairPrice Group purchases annually. Linkpoints capped at 12,000 per annum
- Minimum spend of S$350 per calendar month
- Total savings of 21% = 2.5% base savings rate + 8.5% monthly bonus savings + 8.0% quarterly bonus savings + 2.0% FairPrice annual member bonus
Non-NTUC Union Members
- 0.5% base savings rate: Earn unlimited savings of 0.5% on all FairPrice Group groceries and 0.22% on all other eligible non-FairPrice Group groceries
- 7.5% monthly bonus savings: Earn a monthly bonus of 7.5% savings when you spend a minimum of S$450 on non-FairPrice group purchases. Linkpoints are capped at 5,500 per calendar month
- 7.0% quarterly bonus savings: Earn 7% on your FairPrice Group purchases when you meet the monthly minimum required spending of S$450 for 3 consecutive months. Linkpoints capped at 7,500 per quarter
- Minimum spend of S$450 per calendar month
- Total savings of 15% = 0.5% base savings + 7.5% monthly bonus savings + 7.0% quarterly bonus savings
3) Eligibility
- Age: 21 years old and above
- Citizenship: Singaporeans and PRs only
- Minimum annual income:
- Singaporean and PR: S$30,000 and above per annum
- Foreigner: S$60,000 and above per annum
4) Fees & Charges
- Annual principal fee: S$0
- Cash advance charges: S$0
- Overlimit fee: S$0
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Summary
Trust Bank Credit Card Review 2024
Card Features & Details
1) Key Features
- Enjoy up to 21% savings when you charge your FairPrice Group transactions to your Trust Bank Credit Card
- Enjoy up to 20% savings on fuel purchases at Caltex when you charge your fuel transactions to your Trust Bank Credit Card
- No annual fee and foreign transaction fee
- 100 Linkpoints = S$1 redemption
- NTUC Union Members can enjoy greater savings on FairPrice Group, Caltex, and outside FairPrice Group transactions
- Flexibility and freedom to choose your card repayment date and credit limit
- Trust Bank Credit Cardholders will receive both a physical and virtual card that can be paired with your Trust App
2) Benefits
NTUC Union Members
- 2.5% base savings rate: Earn unlimited savings of 0.5% on all FairPrice Group groceries and 0.22% on all other eligible non-FairPrice Group groceries
- 8.5% monthly bonus savings: Earn a monthly bonus of 8.5% savings when you spend a minimum of S$350 on non-FairPrice group purchases. Linkpoints are capped at 5,500 per calendar month
- 8.0% quarterly bonus savings: Earn 8% on your FairPrice Group purchases when you meet the monthly minimum required spending of S$350 for 3 consecutive months. Linkpoints capped at 7,500 per quarter
- 2.0% FairPrice annual member bonus: Earn 2% on your FairPrice Group purchases annually. Linkpoints capped at 12,000 per annum
- Minimum spend of S$350 per calendar month
- Total savings of 21% = 2.5% base savings rate + 8.5% monthly bonus savings + 8.0% quarterly bonus savings + 2.0% FairPrice annual member bonus
Non-NTUC Union Members
- 0.5% base savings rate: Earn unlimited savings of 0.5% on all FairPrice Group groceries and 0.22% on all other eligible non-FairPrice Group groceries
- 7.5% monthly bonus savings: Earn a monthly bonus of 7.5% savings when you spend a minimum of S$450 on non-FairPrice group purchases. Linkpoints are capped at 5,500 per calendar month
- 7.0% quarterly bonus savings: Earn 7% on your FairPrice Group purchases when you meet the monthly minimum required spending of S$450 for 3 consecutive months. Linkpoints capped at 7,500 per quarter
- Minimum spend of S$450 per calendar month
- Total savings of 15% = 0.5% base savings + 7.5% monthly bonus savings + 7.0% quarterly bonus savings
3) Eligibility
- Age: 21 years old and above
- Citizenship: Singaporeans and PRs only
- Minimum annual income:
- Singaporean and PR: S$30,000 and above per annum
- Foreigner: S$60,000 and above per annum
4) Fees & Charges
- Annual principal fee: S$0
- Cash advance charges: S$0
- Overlimit fee: S$0
Plans (2)
NTUC Link Credit Card (For NTUC Union Members)
Up to 21% in Linkpoints
CASHBACK
Up to 5,500 Linkpoints monthly, and up to 7,500 Linkpoints quarterly
CASHBACK CAP
Redeem S$1 off with every 100 Linkpoints at participating Linkpoints partners
CONVERSION
Trust Link Credit Card (For Everyone Else)
Up to 15% in Linkpoints
CASHBACK
Up to 5,500 Linkpoints monthly, and up to 7,500 Linkpoints quarterly
CASHBACK CAP
Redeem S$1 off with every 100 Linkpoints at participating Linkpoints partners
CONVERSION
NTUC Link Credit Card (For NTUC Union Members)
Up to 21% in Linkpoints
CASHBACK
Up to 5,500 Linkpoints monthly, and up to 7,500 Linkpoints quarterly
CASHBACK CAP
Redeem S$1 off with every 100 Linkpoints at participating Linkpoints partners
CONVERSION
1.5
57 Reviews
Service Rating
Speed of Approval
Ease of Fee Waiver
Customer Support
High to Low
Posted 02 Apr 2024
Purchased
NTUC Link Credit Card (For NTUC Union Members)
I don't think this app deserve a 1.5 star. My only complain is the lapse when it comes to recognize the purchase made in that month. For example, 25 June made purchase recognize only on 1st July . By then I would have missed out 3 months of reward. The customer service is the best, can call directly from the app.0
What are your thoughts?Posted 06 Mar 2024
Purchased
NTUC Link Credit Card (For NTUC Union Members)
There is no giro and no email notifications. They would only send push notifications for payments and if your phone somehow blocks the spammy push notifications and you are late to pay the bill! Boom, you are charged with $100 late payment fee + interest and no waiver whatsoever! The customer service is super lousy and just tell you that they have reminded u via useless push notifications and insist to charge u the late fee. For those who are busy to check their push notifications everyday, stay away from this useless card. The benefits given to you certainly won't cover the late payment charges!4
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Posted 05 Jul 2023
Purchased
NTUC Link Credit Card (For NTUC Union Members)
[Promotions and Perks] Best card if you shop at FairPrice regularly, I applied for savings account as well and easily clocking 2.5% interest without doing much. And yes, fx rates when you spend abroad are best compared with any other card.0
What are your thoughts?Posted 20 Jun 2023
Purchased
NTUC Link Credit Card (For NTUC Union Members)
[Fee Waivers] Trust Bank Credit Card is Completely FREE with ZERO Annual and ZERO Foreign Transaction Fee. [Useful For...] When you spend on Trust Bank Credit Card, you will enjoy a rich myriad of Everyday Rewards with Trust Bank curated lineup of Partner Offers such as, but not limited to: [ ] up to 21% Savings on Groceries and Food at FairPrice Group [ ] up to 20% Savings on Fuel Purchase at Caltex. [Promotions and Perks] To enjoy these rich myriad of Rewards, simply 1. Download their "Trust Bank SG" App from Apple App Store or Google Play. 2. Sign up via the Trust Bank SG App with a valid Trust Bank Referral Code to get a S$10 FairPrice E-Voucher. (If you don't have one, use ours: 9EUXKFFA) 3. Receive another S$25 FairPrice E-Voucher when you either make your first card spend as a credit card customer or make your first S$500 deposit as savings account customer. Sign up now before this Trust Bank Promotion ends on 30 June 2023. [Cashback Card] [Card Hacks]0
What are your thoughts?Posted 01 Sep 2023
Purchased
Trust Link Credit Card (For Everyone Else)
Trust Card just gives you periodically good benefits and discounts in the app. Theother attractive thing is the foreign exchange rate so it kind of replaces YouTrip. All great!0
What are your thoughts?Posted 06 Jun 2024
Purchased
Trust Link Credit Card (For Everyone Else)
Initially I was delighted and impressed that Trust Bank increase their interest by another 0.5% pa to as high as 3.5% pa for saving account from June 2024 despite potential interest rate cut from Fed. However, I came to realize the devil within the details. One of the condition for the additional 0.75% pa interest requires one to deposit a min Salary Crediting of $1500 to Trust saving account. But on further research I realized that Trust bank doesn’t support eGIRO!!! Please note most HR process payroll in huge batch of employees, they will not individually help you GIRO account by account. Therefore while Trust bank offers the additional 0.75% pa interest for salary crediting, no HR from big companies will support that! I called up Trust Bank on this, saying that can they accept FAST transfer with 'Salary Payment' as a legitimate salary crediting?? Guess what is their answer??? Yes! You got it right! NO! Hence on one hand! It is as if customers will be able to enjoy a higher interest payout but their non-acceptance of eGIRO will make this criteria very difficult to achieve. I don’t understand why FAST transfer with 'Salary Payment' cannot be accepted. Isn’t this something that Trust Bank ought to review????0
What are your thoughts?Posted 18 Jul 2023
While Trust supermarket-linked account competitively offering 10$ to both referee and referred, nevertheless none any rewards, incentives, and/or discounts on supermarket-linked account renewal year-on-year which makes it less enticing to existing customers0
What are your thoughts?Posted 13 Jun 2023
Purchased
Trust Link Credit Card (For Everyone Else)
Application took a while to process. App is easy to use. There are free items upon hit the number of transactions required . The best thing: No Annual Fee0
What are your thoughts?Posted 22 Apr 2023
Purchased
NTUC Link Credit Card (For NTUC Union Members)
[Customer Service] Customer service officer was very rude to the point of offensive in dealing with customers calls. Asked them a simple question of if i can re-select my repayment date, but the response i got was a simple ‘live with it’ response.0
What are your thoughts?Posted 25 Jan 2023
Purchased
NTUC Link Credit Card (For NTUC Union Members)
There is only one option to create an account with TrustBank and that is via the myInfo from Singpass. The issue is i keep getting error when trying to retrieve my information from Singpass. It has been few days and the message still show "Please try again at a later time". Im not sure if the TrustBank app simply doesnt work with Iphone or that Singpass myInfo is the one that is not complatible with Iphone. Since there are no other ways to create an account with TrustBank, im still here without any idea of what to do next.1
What are your thoughts?Although they claim that the approval is immediate, but I too face problems even with the first attempt. Need to call the customer service support (which their service has much room to improve) and need 2 to 3 days just to get my Debit and Credit Trust card facilities approved. The application and approval is not so easy as they claimed.
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Trust Bank Key Information
Trust Bank (known as Trust) is a digitally-native bank backed by a unique partnership between Standard Chartered Bank and FairPrice Group. This partnership brings together a leading international bank and a social enterprise with more than 200 years of combined experience in Singapore.
Trust Bank Review 2022
The most rewarding credit card for your everyday need, designed for personalisation and transparency.
The first credit card in Singapore that lets you choose your own repayment date during card application.
Never miss out on bonus rewards again because the Trust App lets you know where you are against your reward targets in real time.
With your Trust credit card, you have the freedom to select the preferred credit limit you want.
Misplace your physical card? No worries. For your peace of mind, you can simply lock or unlock your card via the app anytime.
The fees of the card
No Annual Fees, No Foreign Transaction Fees
How to sign up for the card
Download the Trust App via App Store or Play Store to sign up for credit card
Contact Information
Contact them at +65 313 TRUST (+65 3138 7878) or visit their website
Still unsure? Find out everything you need to know about credit cards - including what the best credit cards in Singapore are for miles and cashback, factors to consider before getting one, fees to know, and why a good credit score matters.
Still have questions? You can ask the Seedly Community (anonymously, if you'd prefer) for their insights and discuss which credit card you should get.
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Agreed. Just called them to request for the waiver. Since first launch, I have onboarded and never missed any payment. While I was complaining to the customer service, and stating the issues with the app notification, she "patiently" repeated what Aiden mentioned, "we have sent you in-app notification on date1, date2 & date3, email on date1, date2, date3, and SMS notification on date1, date 2... and you only made payment on date4.". A couple of times, while I was listening to her, my phone screen went off and locked up, and she could not hear me. I got to login to my screen to recover the communication. I told her how many apps we have in our phone nowadays, and important app such as emails, calendars & whatsapp already have enough notification flooding our screen, with more from various bank apps, shopping apps, game apps and more. Her advice is, if you miss it you can check the notification still after logging in to the app. Later she told me she has helped to put in the request and no guarantee of approval. Finally, if I'm lucky to get it approved, I will receive an in-app notification... again.