Up to 20%

petrol savings (on Caltex and Esso)

Up to 21%

savings on groceries and food

0%

FX Fees

All Details

• Key Features

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

  • No Annual Fees and Cash Advance fees

  • Great exchange rates

  • Up to 21% savings on groceries and food at FairPrice Group merchants

  • Up to 20% petrol savings at Caltex and Esso

  • Track rewards and get repayment reminders with the Trust app

Bill Payment

• Track rewards and get repayment reminders with the Trust app

• Up to 21% savings on groceries and food at FairPrice Group merchants

• Up to 20% petrol savings at Caltex and Esso

Entertainment

• Up to 20% petrol savings at Caltex and Esso

• Up to 21% savings on groceries and food at FairPrice Group merchants

Cash Back

• Up to 21% savings on groceries and food at FairPrice Group merchants

• Up to 20% petrol savings at Caltex and Esso

Online Shopping

• Up to 21% savings on groceries and food at FairPrice Group merchants

Shopping

• 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

Dining

• Up to 21% savings on groceries and food at FairPrice Group merchants

Grocery

Excellent

• 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

Overseas Spending

Excellent

• Enjoy zero foreign transaction fees when spending overseas

Rewards

Excellent

• 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

Petrol

Very Good

• Up to 20% petrol savings at Caltex and Esso

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): 26.9% 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 0.074% 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	0%
Foreign Check Fee	S$0

Minimum Income Requirements

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

Documents Required

SG Citizens or PRs	Apply via MyInfo
Passport Validity (Foreigners)	NA
Work Permit Validity (Foreigners)	NA
Latest Original Computerised Payslip	Yes + copy of Passport

Card Association

Visa

Wireless Payment

Apple Pay
Google Pay

MoneySmart Promotions

MoneySmart Exclusive