Up to 15% Cashback

on your preferred category

Unlimited 1% Instant Cashback

on all other eligible spend

0%

FX Fees

All Details

• Key Features

  • Unlock up to 15% cashback on your preferred category (dining, shopping, travel, wellness, transport and entertainment) which you can change every quarter

  • Earn unlimited 1.0% instant cashback on all other eligible spend of min S$1, except the preferred category you choose

  • Get up to extra 20% off exclusive partner deals from Caltex, Zig, Agoda, KFC and Deliveroo

  • No Foreign Transaction Fees (not even the 1% Visa charge)

  • No Annual Fees and Cash Advance fees

  • Real-time cashback tracking in your Trust App

Overseas Spending

Excellent

• Enjoy zero foreign transaction fees when spending overseas

Rewards

Good

• Unlock up to 15% cashback on your preferred category (dining, shopping, travel, wellness, transport and entertainment) which you can change every quarter

• Earn unlimited 1.0% instant cashback on all other eligible spend of min S$1, except the preferred category you choose

• Get up to extra 20% off exclusive partner deals from Caltex, Zig, Agoda, KFC and Deliveroo

Entertainment

Good

• Earn cashback across bars, movies, musical theatres, music stores, and streaming services in Singapore and abroad. This applies to online and offline spends.

• Earn cashback across beauty shops, spa, pharmacies, fitness centres in Singapore and abroad. This applies to online and offline spends.

Cash Back

Good

• Unlock up to 15% cashback on your preferred category (dining, shopping, travel, wellness, transport and entertainment) which you can change every quarter

• Earn unlimited 1.0% instant cashback on all other eligible spend of min S$1, except the preferred category you choose

• Real-time cashback tracking in your Trust App

Dining

Good

• Earn cashback across all cafes, restaurants, fast foods, bakeries, caterers, food deliveries, and convenience stores in Singapore and abroad. This applies to online and offline spends.

Shopping

Good

• Earn cashback across retail outlets, department stores, marketplace, fashion apparels, jewelry stores, watches and accessory in Singapore and abroad. This applies to online and offline spends.

Grocery

Good

• Up to 21% in Linkpoints which can be used at FairPrice supermarkets, Unity pharmacies, Kopitiam outlets, and a wide variety of Link Partners such as Caltex, Cathay Pacific, and more

Annual Interest Rate and Fees

Annual Principal Fee	S$0
Supplementary Annual Fee	S$0
Interest Free Period	45 days
Annual Interest Rate	Interest on purchases – Effective Interest Rate (EIR): 27.9% per annum based on a 365-day year (minimum). If payment is not made in full by the due date, interest will be calculated daily at 0.076% from the respective transaction dates for all transactions until the date the payment is received.
Late Payment Fees	S$100
Minimum Monthly Repayment	(a) The greater of either S$50 or 1% of principal, plus (b) interest, finance fees and charges, and (c) any overlimit amount and past due amount.
Foreign Currency Transaction Fee	S$0
Foreign Check Fee	S$0

Minimum Income Requirements

Singaporean/PR Minimum Income	S$30,000
Non-Singaporean Minimum Income	S$60,000

Documents Required

SG Citizens or PRs	Apply via MyInfo
Latest Original Computerised Payslip	Yes + copy of Passport (For Foreigners only)

Card Association

Visa

Wireless Payment

Visa Contactless
Apple Pay
Samsung Pay
Google Pay