Trust Bank
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Summary
Trust Bank Credit Card
Card Features & Details
1) Key Features
- Enjoy up to 21% savings when you charge your FairPrice Group transactions to your Trust Bank Credit CardĀ
- Enjoy up to 20% savings on fuel purchases at Caltex when you charge your fuel transactions to your Trust Bank Credit CardĀ
- No annual fee and foreign transaction feeĀ
- 100 Linkpoints = S$1 redemptionĀ
- NTUC Union Members can enjoy greater savings on FairPrice Group, Caltex, and outside FairPrice Group transactionsĀ
- Flexibility and freedom to choose your card repayment date and credit limitĀ
- 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 groceriesĀ
- 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 monthĀ
- 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 bonusĀ
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 quarterĀ
- Minimum spend of S$450 per calendar month
- Total savings of 15% = 0.5% base savings + 7.5% monthly bonus savingsĀ + 7.0% quarterly bonus savingsĀ
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
Card Features & Details
1) Key Features
- Enjoy up to 21% savings when you charge your FairPrice Group transactions to your Trust Bank Credit CardĀ
- Enjoy up to 20% savings on fuel purchases at Caltex when you charge your fuel transactions to your Trust Bank Credit CardĀ
- No annual fee and foreign transaction feeĀ
- 100 Linkpoints = S$1 redemptionĀ
- NTUC Union Members can enjoy greater savings on FairPrice Group, Caltex, and outside FairPrice Group transactionsĀ
- Flexibility and freedom to choose your card repayment date and credit limitĀ
- 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 groceriesĀ
- 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 monthĀ
- 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 bonusĀ
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 quarterĀ
- Minimum spend of S$450 per calendar month
- Total savings of 15% = 0.5% base savings + 7.5% monthly bonus savingsĀ + 7.0% quarterly bonus savingsĀ
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
1.6
28 Reviews
Service Rating
Speed of Approval
Ease of Fee Waiver
Customer Support
Most Helpful
Posted 9d ago
Purchased
NTUC Link Credit Card (For NTUC Union Members)
Worse. Customer service is useless. They are always available but have no competency and ability to solve anything. Faced an issue with fraud and no one seems to be able to help me. Chuck this bank away please. There are others out there.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 23 Aug 2023
Purchased
NTUC Link Credit Card (For NTUC Union Members)
Every month i have make full payment on what i spend around 1 to 2 hundred dollars on trust card, i forgot to pay only 1 day and was penalized of $100. I request for late fee waiver but was declined. This bank is very inflexible and don't retain customer even wanted to close the account. So by all means i close it. Is not advisable to use this card.1
What are your thoughts?Reply
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Posted 18 Jul 2023
While Trust supermarket-linked account competitively offering 10$ 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 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 03 Jul 2023
Purchased
Trust Link Credit Card (For Everyone Else)
By far the worst bank ever to deal with. They have a system error and rejected my early payment and posted a late fee of SGD 100 the following month. I contacted their office and after showing proof and acknowledgement that indeed it was their mistake that their system rejected the payment, they insisted that I pay in full and call back the following month to request for waiver. Totally ridiculous service. After much persuasion, the officer reluctantly waived it off at their end without my involvement. Lord and behold, the following month statement, they posted another SGD 8 penalty for that late fee! (Yes did not mentioned previously and completely out of the blue). I have to call the bank and once again, they insisted that I have to pay in full to have it waive off. I insisted that it stupid and the officer said the other way is to go to live chat and request for waiver and well, same thing happened in the live chat. Pay in full and then call them to waive off the next month. So a screw up at their end and they expect the customer to manage this for the next 2 months? What kind of a bank is that? And after the call and chat, I finally got hold of an officer that is willing to put in the waiver (double standard in service or what?). I am done banking with this bank. There are other ways to accumulate your NTUC link points without having to deal with a ridiculous system.0
What are your thoughts?Posted 30 Jun 2023
Purchased
NTUC Link Credit Card (For NTUC Union Members)
I have been facing an unreasonable late payment fee charge from them. Although I made my payments on the 5th, two days before the statement due date of the 7th, I still received a late payment fee. The app mentioned, "Pay from other banks. This may take up to 2 business days to receive fundsā. Despite making the payment on time, Trust did not receive it before the statement's due date and they slapped me with a late payment fee. While boasting about their world-class customer experience, they should have improved their system to allow for a buffer of +2/3 days before charging their customers' late payment fees. Alternatively, they should better manage their banking relationships with other banks to ensure they can receive the funds instantly. [Bill Payment] [Fee Waivers]1
What are your thoughts?Check your following month statement. They posted another SGD 8 for that late fee.
Reply
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Posted 21 Jun 2023
Purchased
NTUC Link Credit Card (For NTUC Union Members)
The trust card is the worst of all cards as you cannot waiver your late fee regardless of any reason you gave. The customer officers are not able to waiver any late charges and teach you to cancel the card even you plead with them to waiver the charges. That's what you called customer services0
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 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?
Discussions (0)
Recent Activity
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Popular Products
4.2
162 Reviews
4.1
154 Reviews
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3.9
195 Reviews
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?Ā Find out everything you need to know about credit cardsĀ - including whatĀ the best credit cards in SingaporeĀ 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 theĀ Seedly Community (anonymously, if you'd prefer) for their insights and discuss which credit card you should get.
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