Frequently asked questions

When will my physical card arrive?
  • Your physical card will be delivered to you within 2-5 working days from your application date.

I have signed up for a savings account. Why can’t I also apply for a credit card?
  • Thank you for your interest in applying for our credit card. However, this option is currently not available. We will notify all the customers once this is available tentatively towards end of this year.

Why was my application for the credit card unsuccessful?
  • All card applications go through an internal assessment process and we consider all applications carefully. Here are some common reasons for your unsuccessful application.

    You may have insufficient income:

    • If you’re a Singaporean or Permanent Resident (age 21-55) and have an annual income below $30,000

    • If you’re a Singaporean or Permanent Resident (age 55 and above) and have an annual income below $15,000

    • If you’re a foreigner (over 21 years old) and have an annual income below $60,000

    You may have been granted maximum credit limit across all banks You may have overdue loans with other banks No ‘Notice of Assessment’ or CPF records You are below 21 years old

    However, you can apply for a Trust savings account to get up to 2.5% p.a. interest rate on your first S$75,000 deposit and enjoy up to 11% savings with your debit card. T&C apply.

    To apply for savings account, simply follow these steps:

    1. Delete the Trust App

    2. Install the Trust App again

    3. Apply for savings account

Where do I find my $25 sign-up voucher?
  • Receive a S$25 FairPrice E-Voucher on us when you make your first card spend. You can find your FairPrice E-Voucher in your app, under Rewards > Coupons > Saved coupons.

Where do I enter the referral code to enjoy the $10 e-voucher?
  • Open the Trust App, select language and tap on “Use Referral Code” to start the application. You will receive S$10 FairPrice E-Voucher under Rewards > Saved coupons once you have successfully registered.

How can I pay my Trust credit card bill from other banks?
  • You can conveniently pay your Trust credit card bill from your other bank accounts in two ways. Either by adding your Trust credit card number as a local transfer (also sometimes called FAST) or as a transfer to your credit card to make the repayment.

    Scroll down to see instructions on paying your Trust credit card bill using the banking apps from DBS/POSB, UOB, OCBC and Standard Chartered Bank.

    DBS/POSB

    Option 1: Add as a local recipient (payment is instant)

    1. Tap Pay & Transfer > Local > Add Local Recipient > Bank Account

    2. Enter Recipient’s name, select bank as Trust Bank Singapore Limited, and enter your 16-digit Trust card number under Recipient’s account number > Tap Next

    3. Review Recipient’s details. If it is correct, tap on Add Recipient Now

    4. You may have to perform additional verification at this point

    5. Tap again on Pay & Transfer > Local. Select your Trust card

    6. Enter amount to transfer and ensure Transfer via FAST is switched on.

    7. Tap Next.

    8. Review the transfer details. If it is correct, tap Transfer Now.

    Option 2: Add as a credit card recipient (payment will take up to 3 working days to process)

    1. Tap Pay & Transfer > Cards > Add Credit Card Recipient

    2. Enter your 16-digit Trust card number > Select card type to be Singapore – VISA/Master Card > enter first name > enter last name  

    3. Review Recipient’s details. If it is correct, tap on Add Recipient Now

    4. You may have to perform additional verification at this point

    5. Tap again on Pay & Transfer > Cards. Select your Trust card

    6. Enter amount to transfer

    7. Tap Next

    8. Review the transfer details. If it is correct, tap Transfer Now.

    If you have both Trust savings account and credit card, please ensure that your Trust card is paired with credit card before making payment via this mode. For more details on card pairing, please refer to https://trustbank.sg/faqs/credit-card/#how-does-the-card-pairing-work

    UOB

    Add as a local recipient (payment is instant)

    1. Tap Pay & transfer > Other Accounts / Cards > New Transfer > Under Bank Account / Other Institutions (Please do not select Credit Card), select “Trust Bank Singapore Limited” and enter your 16-digit Trust card number under recipient's account number

    2. Enter amount to transfer

    3. Swipe to submit and review the transfer details. If it is correct, slide to confirm the transfer.

    OCBC

    Add as a local recipient (payment is instant)

    1. Tap Local Transfers > Account Number

    2. Tap Add payee

    3. Enter payee name, under Bank//Organisation select Trust Bank Singapore Limited, under account number enter your 16-digit Trust card number and enter your initials. Tap Add Payee to confirm

    4. Review the transfer details. If it is correct, tap Submit. It will take 12 hours before funds can be transferred to your Trust card

    5. Thereafter, tap Local Transfers > Account number

    6. Select your Trust card under the “To” column

    7. Select Transfer Now under When to transfer section

    8. Enter amount to transfer

    9. Slide to submit and review the transfer details. If it is correct, tap Confirm Transfer

    Standard Chartered Bank Singapore

    Option 1: Add as a local recipient (payment is instant)

    1. Tap on menu icon > Transfer & Payments > Local Transfer > Select the account you would like to transfer from > Add Payee

    2. Select Payee Type to be Local > Enter Trust Bank Singapore Limited, Payee Name and enter your 16 digit Trust card number under Payee Account Number and tap Continue

    3. Enter your 6-digit PIN and tap Confirm

    4. Tap on menu icon > Transfer & Payments > Local Transfer > Select your Trust card > Enter amount to transfer

    5. Swipe to complete the transfer

    Option 2: Add as a credit card recipient (payment will take up to 3 working days to process)

    1. Tap on menu icon > Transfers & Payments > Add & Manage Biller > Other Bank’s Credit Card Payee

    2. Enter cardholder’s name and enter your 16-digit Trust card number under account number > Tap Continue

    3. Review payee details. If it is correct, tap Confirm

    4. Enter your 6-digit PIN and tap Confirm

    5. Tap Move My Money

    6. Tap Pay Other Bank Credit Cards

    7. Select the newly added Payee and the account you would like to transfer from

    8. Enter amount to transfer and tap Continue

    9. Review payment details and tap confirm

    If you have both Trust savings account and credit card, please ensure that your Trust card is paired with credit card before making payment via this mode. For more details on card pairing, please refer to https://trustbank.sg/faqs/credit-card/#how-does-the-card-pairing-work

    Pay using other banks’ app

    For all other banks, you can pay for your Trust credit card bill either by adding your Trust credit card number as a local transfer / recipient or as a credit card payment / recipient. Depending on your bank, we will receive your payment in about 3 working days.

    Your credit card payment is due on the date selected by you when you first applied for your Trust credit card. If you do not make payment by the due date, you will have to pay for a late payment fee and interest on the outstanding amount. If you make the minimum payment by the due date, you will have to pay interest on the outstanding amount. For more information, please visit our FAQs on our website or see our customer T&Cs (the legal stuff) on our website or app.

I would like to apply for a Trust supplementary card. Where can I get one?
  • Supplementary card application is not available at this moment and we’re working hard to provide this to all credit card customers soon.

Can I decrease my credit limit?
  • You can decrease your credit limit in a few steps on your Trust App:

    • Go to Account Settings > Settings > Decrease your credit limit

    • Tap and drag the slider to set your desired credit limit and confirm

    • Note that you’ll not be able to increase your credit limit after your credit limit decrease is confirmed

I signed up with only the digital card, how long will the additional 2% Monthly Bonus Rate last for?
  • You’ll get an additional 2% on the Monthly Bonus Rate on your FPG spend for the first 2 months, starting from the first month when your savings account or credit card application was first approved. For example, if you got your digital card approved on 25 September 2022, you’ll enjoy the additional 2% for your FPG Spend for September 2022 and October 2022.

    Please note that the additional 2% is subject to you meeting the minimum out-of-store spend in the second month. For the first month, there’s no minimum out-of-store spend applicable. See our customer T&Cs, including the Key Facts Sheets for more details.

I forgot to enter the referral code when I signed up. Can I still get the referral e-voucher?
  • We’re sorry we won’t be able to add $10 FairPrice E-Voucher to your account. However, if you refer your friends, you’ll receive a $10 FairPrice E-Voucher for each successful sign-ups.

Am I eligible to apply for a credit card?
  • You can apply for a credit card if:

    1. You are between 21 years old and 55 years old; and

    2. Have an annual income of S$30,000 if Singaporean citizen or permanent resident; or

    3. Have an annual income of S$60,000 if foreigner with a valid work pass

    OR if:

    1. You are above 55 years old; and

    2. Have an annual income of S$15,000 if Singaporean citizen or permanent resident; or

    3. Have an annual income of S$60,000 if foreigner with a valid work pass

What transactions do not earn any Linkpoints?
  • The following ineligible transactions do not qualify for Linkpoints:

    • Any cash advance.

    • Transactions on your credit card that are subsequently cancelled, voided, refunded or reversed or incurred by you but aren’t submitted or posted to your credit card.

    • AXS, SAM or ATM transactions made using your credit card.

    • Any insurance premiums. 

    • Any fees (for example annual card fees, service fees, interest, administrative fees, finance fees, and/or late payment fees).

    • Amounts which have been rolled over from any preceding month’s statement. 

    • Any top-ups (excluding Kopitiam card top-ups) or payment of funds to any accounts. 

    • Any transaction classified under any of the following Merchant Category Codes: 

      • Utilities, Rentals and Cleaning Services – 4900, 6513, 7349. 

      • Financial Institutions, Securities – Brokers, Quasi Cash, Insurance, Stored Value Card Purchase/Load and Wire Transfer – 4829, 5960, 6010, 6011, 6012, 6051, 6211, 6300, 6540.

      • Gambling – 7995.

      • Educational Institutions – 8211, 8220, 8241, 8244, 8249, 8299.

      • Charitable services, political organisations, religious organisations and government payments – 8398, 8651, 8661, 9211, 9222, 9223, 9311, 9399, 9402, 9405.

      • Any other fees or payments as we may decide.

    Do note that Trust is entitled to clawback or withdraw any excess Linkpoints issued at its sole discretion.

Why did I get a S$500 credit limit on my credit card?
  • Customers who receive a S$500 credit limit meet the following criteria:

    • Singapore citizens and permanent residents

    • Age 56 years and above 

    • Assessed annual income less than S$15,000

    • No credit card or unsecured loan with Standard Chartered Bank

I'm a retiree, can I still apply for Trust credit card?
  • Yes, you may qualify for a credit card with a S$500 credit limit (subject to meeting other standard bank requirements), if you meet the below criteria:

    • Singapore citizens and permanent residents

    • Age 55 years and above 

    • Assessed annual income less than S$15,000

    • No credit card or unsecured loan with Standard Chartered Bank

How do I add my card into Apple Pay and Google Pay?
  • To add your card to Apple Pay:

    • Log into your Trust app

    • Tap "Money"

    • Tap "View and manage card"

    • In your Trust App, copy your card number using the copy icon. Remember your CVV and card expiry

    • Tap “Set Up Apple Pay”

    • Select "Debit or Credit Card" in Apple Wallet

    • Select "Enter Card Details Manually"

    • Enter your card details and follow the on-screen instructions

    b. To add your card to Google Wallet:

    • Open / Download the Google Wallet app

    • Tap “Add to Wallet”

    • Tap “Payment card”

    • Tap “Enter details manually”

    • Log into your Trust App, copy your card number using the copy icon. Remember your CVV and card expiry

    • Enter your card details manually and follow the instructions

    c. To add your card to Google Pay:

    • Open / Download the Google Pay app

    • Tap your account photo

    • Tap “Set up payment methods”

    • Tap “Add credit or debit card”

    • Tap “Enter details manually”

    • Log into your Trust App, copy your card number using the copy icon. Remember your CVV and card expiry

    • Enter your card details manually and follow the instructions

What is the difference between the physical card and digital card only?
  • You can perform almost all card related transactions in Singapore using digital card through Apple Pay, Google Pay and FairPrice App.

    Activities

How can I add my card to the FairPrice App?
  • Follow these steps:

    • Download the FairPrice App from App Store / Play Store

    • Click on the icon on the top left corner of the main screen

    • Tap on Credit/Debit Card

    • Tap on + Add payment Method

    • Log into your Trust App, copy your card number using the copy icon. Remember your CVV and card expiry

    • Enter your card details manually and click on add card

Why don’t I see my bus/mrt transaction on my app after tapping out from the bus/mrt gantry?
  • Transit fares will be accumulated daily and charged to your Trust card the next day. This means that all your transit fares done today will be accumulated and charged to your Trust card tomorrow morning. To view the breakdown of the aggregated fares, please login to your TL SimplyGo account on the TransitLink SimplyGo Portal or TL SimplyGo app.

Why are SimplyGo transactions charged to my Trust Card when my card is not activated?
  • Only SimplyGo transactions may be charged to your Trust card when it is not activated, which is in line with the industry practice.