Why I Love My Trust Bank Cashback Credit Card for Everyday Spending

How I’m Getting Cash Back on Things I Already Buy (Thanks to Trust Bank)

If there’s one thing I’ve learned about adulting, it’s that everything adds up.
Groceries, transport, food delivery… even small coffee runs.

And honestly? I used to think cashback cards were just “too much effort” — all the conditions, minimum spend, and confusing tiers made it hard to track.

Then I discovered the Trust Bank Cashback Credit Card, and it’s been one of the few cards that actually feels rewarding without me overthinking every transaction.

🛒 Everyday Spending = Real Cashback

What I love most is that this card gives cashback on the stuff I already buy anyway.
No need to change my habits — just spend as usual and get rewarded.

I usually use it for my NTUC FairPrice grocery runs , GrabFood orders or shopping on Shopee. With the cashback kicking in, it’s like getting a small discount every time I buy my essentials.

It might not sound huge, but over the months, it adds up — and it’s a nice feeling to see a bit of your money coming back.

💳 Simple, No-Fuss Rewards

Some cards make you jump through hoops — like meeting a certain spend, paying bills with the card, or splitting across multiple categories.

The Trust Card keeps it simple. You just tap, pay, and earn cashback automatically.
Plus, the app shows everything clearly — no complicated tracking or hidden terms.

That’s a big deal for me because I’m not someone who enjoys micromanaging my spending categories.

✈️ Surprisingly Good for Overseas Spending Too

Here’s something I didn’t expect — the foreign exchange rates are really competitive, almost on par with YouTrip.

I used it for a few overseas purchases recently, and the rates were really decent.
So instead of juggling between multiple cards or top-up wallets, I can just use one card that earns cashback and gives good exchange rates.

It’s super convenient for small online transactions in foreign currency too (like when I buy stuff from Amazon or subscribe to apps in USD).

🚆 Perfect for Everyday Life

I use my card pretty much for everything — groceries, rides, lunch — and the cashback stacks quietly in the background.

It’s great for people who just want to get a little more value out of their daily spending without having to be a “credit card strategist.”

So if you’re someone who doesn’t want to overthink your rewards but still wants to save a little, this card might just fit your lifestyle too.

🧾 My Takeaway

For me, the Trust Cashback Card isn’t about chasing points — it’s about making my regular spending a bit smarter.

And the best part? It’s completely free to apply, with no annual fees.

How to Sign Up for Trust Bank’s Cashback Credit Card (Using My Link)

Here’s the step-by-step:

1. Sign up using my referral code: [CSQB4K2E]

2. Download the Trust Bank SG App (available on iOS / Android).

3. In the app, tap “Get started” (or “Apply now”) to open a new account and/or credit card.

4. During the application, enter the referral code (if required) or ensure the sign-up was initiated via the link so the referral is tracked.

5. Choose the Cashback Credit Card (the one with up to 15% on a preferred category + unlimited 1% on other eligible spend).

6. Submit your application. You’ll typically need to meet the eligibility (minimum income S$30,000 / year for Singaporeans / PRs) and other standard requirements.

7. Once approved, start using the card for your eligible purchases (groceries, transport, dining, online shopping, etc.). Cashback will be tracked in real-time in the Trust App.

8. You should also receive your referral reward (as per promotion) in the app under Rewards → Quests (or “My Scratch Cards”).

Benefits of Signing up Using My Referral Code

By using my referral link/code, you’ll enjoy:

• A sure-win scratch card on sign-up (for new-to-Trust customers) that gives you a chance at cashback in various amounts (e.g., S$5, S$15, S$25, S$100, S$250, S$1,000) when you meet the criteria.

• Access to the full benefits of the Cashback Credit Card: up to 15% cashback on your chosen preferred category (with quarterly cap) + 1% unlimited cashback on other eligible spend.

• No annual fee and 0% foreign transaction fee (which is a big plus for overseas shopping or travel).

• A smoother sign-up journey because you’re using an existing referral track — and you help someone (me!) while you benefit from the reward too.

A Few Things to Note

• Make sure you are “new to Trust” (i.e., no existing or cancelled Trust account) so you qualify for the referral / scratch-card reward.

• The scratch card reward is typically credited to your account after you meet the milestones (e.g., approved, first spend) and can expire by a date in the promotion’s terms. Always check the latest T&Cs.

• The referral code must be entered at the correct stage (or the link must track it) to ensure you and I both get the benefit.

• The main benefit of the card is for everyday spending — selecting your preferred category wisely (dining, shopping, transport, travel…) helps you maximise the 15% rate.

• While the referral reward is a nice bonus, the ongoing cashback and no-fee features are what make the card valuable long-term.

👉 Check out the Trust Bank Cashback Credit Card here and see how much cashback (and savings) you could earn from your usual spending.

It’s one of those small switches that doesn’t change how you spend — but quietly gives you more back every month.