Trust's credit cards have no annual fee and no foreign transaction fee from Trust, making them useful to compare for everyday and overseas spending. Check the card's approval requirements and repay in full to avoid interest.
THE REFERRAL, EXPLAINED
A benefit on both sides.
You get
An eligible new credit-card signup gets a golden scratch card with cashback up to S$8,000. Choose Freedom Stockback during signup for a stock gift worth up to US$8,000 instead. Rewards vary; the maximum is not guaranteed.
I get
S$50–S$8,000 cashback from a golden scratch card for an eligible credit-card referral. For a savings-account referral, I get S$8–S$1,888 cashback instead.
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The public referral page confirms the benefits but does not provide the full campaign conditions, reward odds or expiry date. Confirm these in the Trust app.
Before you sign up
Be new to Trust and use the owner's referral code when signing up for an eligible credit card.
Credit-card approval and the current campaign conditions apply. Check your residency and income eligibility with Trust before applying.
Cashback scratch-card rewards vary. For Freedom, choosing Stockback during signup gives the new customer a stock gift in US dollars instead of cashback in Singapore dollars.
Freedom's current signup gift is advertised until 31 October 2026. Confirm the applicable offer and its deadline in the app.
Savings-account referrals are a separate offer. The new customer's savings-only benefit has not been verified; the credit-card gift above does not apply to savings-only signups.
How to use it
Download the Trust app from the official Trust website.
Enter 2F3HCUYP during signup, before completing an eligible credit-card application.
Review the current referral offer and complete the required steps shown in the app.
The code or link is supplied by the site owner. A source check verifies public programme terms, not a completed redemption.
WHAT YOU MIGHT PAY
Cost snapshot.
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Freedom credit card · annual fee
S$0.00/year
GST not applicable
No annual card fee. This is the card fee, not the cost of borrowing.
Foreign currency purchases use Visa exchange rates with no foreign transaction fee from Trust.
Additional charges to check
Interest applies if you do not repay in full; check your personalised rate in the Trust app.
Late payment fee: S$100, or S$200 if your statement includes a loan instalment.
Cash advances over S$5 incur an 8% fee; overseas ATM operators may also charge.
Indicative costs for the listed options. Review the full quote, availability and terms with the provider.