Trust Cashback Card — Up to 15% on 1 Picked Category
Earns up to 15% on dining, up to 15% on shopping, up to 15% on entertainment, up to 15% on travel, up to 15% on transport, and up to 15% on wellness — on the max tier. Use the simulator to see your projected annual cashback.
chevron_rightBack to Cashback Cards
| Category | Effective rate | Cashback |
|---|---|---|
| Shopping | 15% | S$85 |
| All other categories (base rate) | 1% | S$14 |
| Monthly cashback· bonus capped | S$99 | |
| Annual cashback | S$1,185 | |
You earn the bonus on one category you choose — this projection assumes your best pick for this spend; the rest earn the 1% base rate.
Bonus-pool cap of S$250/quarter (~S$83/mo) binds — only bonus-rate spend is clipped; base-rate spend continues earning 1% uncapped.
New Trust Bank credit cardmembers who apply and get approved can get two: - S$30 FairPrice Voucher (from SingSaver) - S$50 FairPrice Voucher (stackable with S$30 FairPrice Voucher).
Reward fulfilled by SingSaver. Terms and conditionsopen_in_new
Applyopen_in_new- •You must select your preferred category each quarter to earn the elevated cashback rates.
- •1% base rate on all eligible spend
- S$500+/mo tier:
- •5% on Dining — Cafes, restaurants, fast foods, bakeries, caterers, food deliveries, and convenience stores in Singapore and abroad. This applies to online and offline spends.
- •5% on Shopping — Retail outlets, department stores, marketplace, fashion apparels, jewelry stores, watches and accessory in Singapore and abroad. This applies to online and offline spends.
- •5% on Entertainment — Bars, movies, musical theatres, music stores, and streaming services in Singapore and abroad. This applies to online and offline spends.
- •5% on Travel — Airlines, cruises, hotels, and travel agencies in Singapore and abroad. This applies to online and offline spends.
- •5% on Transport — Taxis, ride-hailing vehicles, public transport, car-sharing, car rental, tolls, EV charging, parking and petrol in Singapore and abroad. This applies to online and offline spends.
- •5% on Wellness — Spa, pharmacies, fitness centres in Singapore and abroad. This applies to online and offline spends.
- S$2,000+/mo tier:
- •15% on Dining — Cafes, restaurants, fast foods, bakeries, caterers, food deliveries, and convenience stores in Singapore and abroad. This applies to online and offline spends.
- •15% on Shopping — Retail outlets, department stores, marketplace, fashion apparels, jewelry stores, watches and accessory in Singapore and abroad. This applies to online and offline spends.
- •15% on Entertainment — Bars, movies, musical theatres, music stores, and streaming services in Singapore and abroad. This applies to online and offline spends.
- •15% on Travel — Airlines, cruises, hotels, and travel agencies in Singapore and abroad. This applies to online and offline spends.
- •15% on Transport — Taxis, ride-hailing vehicles, public transport, car-sharing, car rental, tolls, EV charging, parking and petrol in Singapore and abroad. This applies to online and offline spends.
- •15% on Wellness — Spa, pharmacies, fitness centres in Singapore and abroad. This applies to online and offline spends.
- •Uncapped — no monthly cap on total cashback earned
- •No annual fee
Crossing a monthly-spend threshold unlocks better rates — base and bonus categories can both shift.
- No Foreign Transaction Fees
Trust charges no foreign transaction fees or exchange rate markups on overseas spend.
- Exclusive Partner Deals
Up to 20% off at exclusive partners including Caltex (upfront 17% off + S$12 return voucher with 4x min S$65 net spend), Zig by ComfortDelGro (20% off, capped at S$3 with no min spend), Agoda (10% off, capped at S$50 per booking), and KFC (S$2 off per transaction with S$15 min spend).
- Annual fee
- S$0.00No annual fee
- Foreign currency transaction fee
- 0%
- Late payment fee
- S$100
- Purchase interest rate (p.a.)
- 27.9%
- Cash advance interest rate (p.a.)
- 27.9%
- Cash advance service charge
- None
- Minimum payment
- S$50 or 1% of principal, plus interest, fees and charges, and any overlimit amount and past due amount, whichever is higher
- Interest-free period
- 45 days
- Min. income (Singapore Citizen / PR): S$30,000
- Min. income (Foreigner): S$60,000
- Minimum age: 18
- •The card charges no annual fee.
- •No foreign transaction fees or exchange rate markups are applied on overseas spend.
- •Eligible spend across dining, shopping, entertainment, travel, transport, and wellness earns 15% cashback when monthly spend reaches S$2,000 or more.
- •Eligible spend across dining, shopping, entertainment, travel, transport, and wellness earns 5% cashback when monthly spend is between S$500 and S$1,999.
- •The card carries an interest-free period of 45 days.
- •Exclusive partner discounts include up to 20% off at Zig by ComfortDelGro, 17% off at Caltex, 10% off at Agoda (capped at S$50 per booking), and S$2 off per KFC transaction with a S$15 minimum spend.
- •The 5% tiered cashback rate requires a minimum monthly spend of S$500; spend below this threshold earns only the base 1% cashback rate.
- •Spend on government services, insurance premiums, hospitals, donations, tuition, and utilities is excluded from cashback earning.
- •Foreign currency eligible spend earns a reduced cashback rate of 0.5%, separate from the tiered category rates.
- •The late payment fee is S$100.
- •The purchase and cash advance interest rate is 27.9% per annum.
What spend is excluded from cashback?
Spend in these categories does not earn the published cashback rates on the Trust Cashback Card.
- •government services
- •insurance premiums
- •hospitals
- •donations
- •tuition
- •utilities
The information above is a summary and may be incomplete or outdated. Always refer to Trust's official terms and conditions for the authoritative version.
About the Trust Cashback Card
The Trust Cashback Card is a tiered cashback card from Trust. Base-tier earning is 1% on every eligible dollar. At its top qualifying tier (S$2,000/mo+), the card reaches up to 15% on dining, 15% on shopping, 15% on entertainment, 15% on travel, and 15% on transport. Singapore cashback cards with spend tiers reward consistent monthly spending — falling short of a tier threshold drops earning back to the previous tier's rates for that statement cycle. There is no annual fee. Terms and conditions apply.
Cashback breakdown
At the base tier, the Trust Cashback Card earns 1% on every eligible dollar. From S$500/mo qualifying spend, the card earns 5% on dining, 5% on shopping, 5% on entertainment, 5% on travel, 5% on transport, and 5% on wellness. From S$2,000/mo qualifying spend, the card earns 15% on dining, 15% on shopping, 15% on entertainment, 15% on travel, 15% on transport, and 15% on wellness.
Where this card earns the most
The Trust Cashback Card is built for consolidated monthly spend — its bonus rates only activate once qualifying spend crosses a tier threshold. At its peak tier (S$2,000/mo+), the calculator returns higher projected monthly cashback for dining, shopping, entertainment, travel, transport, and wellness spend than for cards without those bonuses. Below the lowest tier (S$500/mo), every eligible dollar earns the 1% base rate.
How it compares
Compare against all cashback cardsarrow_forwardFrequently asked questions
How much cashback does the Trust Cashback Card earn?
The Trust Cashback Card has 3 earning tiers in total. At the base tier, every eligible dollar earns 1%. From S$500/mo qualifying spend, the card earns 5% on dining, 5% on shopping, 5% on entertainment, 5% on travel, 5% on transport, and 5% on wellness. From S$2,000/mo qualifying spend, the card earns 15% on dining, 15% on shopping, 15% on entertainment, 15% on travel, 15% on transport, and 15% on wellness.
Is there a minimum monthly spend?
There's no single minimum spend — the Trust Cashback Card upgrades its earning rates as your monthly spend crosses each tier threshold. At S$500/mo+ the card unlocks 5% on dining, 5% on shopping, 5% on entertainment, 5% on travel, 5% on transport, and 5% on wellness. At S$2,000/mo+ the card unlocks 15% on dining, 15% on shopping, 15% on entertainment, 15% on travel, 15% on transport, and 15% on wellness. Below the lowest tier, the card earns the base 1% rate.
Is there an annual fee?
No. The Trust Cashback Card has no annual fee.
Are these rates guaranteed?
No. Banks update cashback rates, category caps, and minimum-spend requirements regularly. The numbers on this page reflect rates verified as of June 2026, not guarantees of future earnings. Terms and conditions apply.
Figures are estimates based on the spending you entered, assumed steady across the year, using standard Merchant Category Code (MCC) classifications and each issuer’s published rates. Monthly caps, annual fees and minimum-spend requirements are shown on every row and factored into the projections. Not modelled: promotional sign-up bonuses, merchant-specific exclusions, fee waivers beyond the first-year window shown, and future rate changes by issuers. First-year figures assume a new cardholder eligible for introductory rates; ongoing figures reflect post-introductory rates. Standard merchant coverage estimates are based on Singapore market share; you can adjust them in the settings above.
Actual earnings depend on your eligibility and each bank’s current terms, which may differ from the figures shown here — always verify with the issuer before applying.