Trust Freedom Credit Card
Choose one reward mode each quarter: unlimited cashback up to 1.5%, category bonus cashback up to 15%, stockback, or 1.3 Trust Miles per S$1. These modes do not stack.
Benefits & important limits
- Choose one reward mode each quarter: unlimited cashback up to 1.5%, category bonus cashback up to 15%, stockback, or 1.3 Trust Miles per S$1. These modes do not stack.
- Category-bonus mode requires the monthly spending tier in three consecutive months; the 15% tier requires S$2,000 each month and is capped at S$250 per quarter. Other reward modes have different limits.
- Stockback: 3% on eligible local / foreign spending through 31 December 2026, capped at S$500 per quarter. From 1 January 2027 the stated rates are 2% local and 0.5% foreign; stock value can fluctuate.
Fees & repayments
- Principal annual fee (GST included)
- S$0
- Fee waiver
- No annual fee.
Interest, late-payment and cash-advance fees are separate from annual fees. Check the current tariff before carrying a balance.
Eligibility & work passes
Citizens / PRs aged 21–55 need S$30,000 yearly income; from age 56, S$15,000. Foreign applicants need S$60,000 and a valid work pass. Confirm the accepted pass type directly with Trust before applying.
Principal age: 21+
Application documents ↗0% FX fees — scope
No Trust foreign-transaction fee or exchange-rate markup on eligible overseas purchases in any currency. Conversion uses Visa’s rate and may pass through USD. Merchant DCC spreads and cash-advance / ATM costs are separate.
Pay in the merchant’s local currency when comparing network conversion. Dynamic Currency Conversion (DCC) uses the merchant’s rate; 0% issuer fees do not promise the interbank rate or remove merchant mark-ups, cash-advance charges or ATM fees.