Frequently asked questions
You can apply for a credit card if:
You are between 21 years old and 55 years old; and
Have an annual income of S$30,000 if Singaporean citizen or permanent resident; or
Have an annual income of S$60,000 if foreigner with a valid work pass
OR if:
You are above 55 years old; and
Have an annual income of S$15,000 if Singaporean citizen or permanent resident; or
Have an annual income of S$60,000 if foreigner with a valid work pass
For a Singaporean citizen or permanent resident, we recommend you to use MyInfo as it pre-fills your application form quickly and effortlessly. If you are a foreigner, in addition to Myinfo, you will need to upload or take a photo of your passport and latest payslip.
Pay using Trust savings account
You can conveniently pay your Trust credit card bill from your Trust savings account:
Log in to the Trust App
Tap on ‘Money’ then ‘Credit Card’ then ‘Pay credit card’
Your Savings Account should be shown. Select from the available options to make the payment.
Review the transfer details. If it is correct, swipe up to confirm.
To check how to add money to your Trust savings account - https://trustbank.sg/faqs/savings-account/#how-do-i-deposit-money-into-my-savings-account
Pay using other bank accounts
You can also 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)
Tap Pay & Transfer > Local > Add Local Recipient > Bank Account
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
Review Recipient’s details. If it is correct, tap on Add Recipient Now
You may have to perform additional verification at this point
Tap again on Pay & Transfer > Local. Select your Trust card
Enter amount to transfer and ensure Transfer via FAST is switched on.
Tap Next.
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)
Tap Pay & Transfer > Cards > Add Credit Card Recipient
Enter your 16-digit Trust card number > Select card type to be Singapore – VISA/Master Card > enter first name > enter last name
Review Recipient’s details. If it is correct, tap on Add Recipient Now
You may have to perform additional verification at this point
Tap again on Pay & Transfer > Cards. Select your Trust card
Enter amount to transfer
Tap Next
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)
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
Enter amount to transfer
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)
Tap Local Transfers > Account Number
Tap Add payee
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
Review the transfer details. If it is correct, tap Submit. It will take 12 hours before funds can be transferred to your Trust card
Thereafter, tap Local Transfers > Account number
Select your Trust card under the “To” column
Select Transfer Now under When to transfer section
Enter amount to transfer
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)
Tap on menu icon > Transfer & Payments > Local Transfer > Select the account you would like to transfer from > Add Payee
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
Enter your 6-digit PIN and tap Confirm
Tap on menu icon > Transfer & Payments > Local Transfer > Select your Trust card > Enter amount to transfer
Swipe to complete the transfer
Option 2: Add as a credit card recipient (payment will take up to 3 working days to process)
Tap on menu icon > Transfers & Payments > Add & Manage Biller > Other Bank’s Credit Card Payee
Enter cardholder’s name and enter your 16-digit Trust card number under account number > Tap Continue
Review payee details. If it is correct, tap Confirm
Enter your 6-digit PIN and tap Confirm
Tap Move My Money
Tap Pay Other Bank Credit Cards
Select the newly added Payee and the account you would like to transfer from
Enter amount to transfer and tap Continue
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.
No, you can always enjoy zero fees as a Trust customer! For more information on late payment charges, go here.
If you have been charged a late payment fee and would like to request for a waiver, please leave us a message via the Trust in-app chat indicating “fee waiver”. We’ll review your request and you’ll receive an update via push notification within 3 working days.
Yes. You are entitled to the same benefits. See the Key Facts Sheet (in our app or on our website) for full details that apply to your card.
The dates are counted from the issuance date of your digital card. Your first credit card statement date will be in 11-42 days and your first repayment date will be in 25-56 days. For example, if you signed up on 1 March 2022 and chose to make repayments every 24th of the month, your first statement will be issued on 9 April 2022 and your first repayment date will be 24 April 2022. You can view your credit card statement and repayment dates in a few easy steps: 1. Log in to your Trust App 2. Go to 'Money' 3. Select 'Statements' to see your payment due date and next statement date
Yes, of course! Start of the month, end of the month, middle of the month, your lucky day of the month - whichever you prefer from 1st to 28th. Do note that your statement date will be 15 days before your repayment date.
Best rewards on FairPrice Group groceries and food spend 1. See here for Union and non-union member rewards. Terms and conditions apply. No more fees 1. Say goodbye to annual, cash advance, foreign currency and overlimit fees! Peace of mind security and personalised experiences 1. Card repayment date: Choose your own credit card due date and pay whenever. 2. 3D secure: Verify your online shopping transactions in-app for enhanced security. 3. Personalised security settings: Lock/unlock your card and define payment settings with your Trust App instantly. 4. Pair functionality: Easily pair between your credit and debit card. Switch to your credit or savings account with your app to suit your spending needs. 5. Instant digital card: We will instantly issue you a digital card on your Trust App instantly which can be used for online and offline purchases (using Apple Pay and Google Pay). 6. Physical card activation via NFC or code activation: NFC allows you to scan your card by holding it to the back of your phone to activate it automatically. We are the first bank in Singapore to introduce this NFC capability! 7. Track rewards instantly: Track your Linkpoints in real-time as you spend. 8. Spend categorisation: View your financial habits and spend overview all in one place. 9. Spend tracker: Easily keep an eye out on your spending habits via the app. 10. PIN set up: Choose a 6-digit PIN for your card on Trust App to securely access ATM transactions. 11. Numberless card: This is a security feature that protects your credit card against theft and fraud. You can access your card number via your Trust App. Mindful for planet earth 1. Eco-friendly ocean plastic card: Carry a card that's made with recycled ocean plastics. 2. Recycled paper packaging: Your card welcome pack is made of recycled paper, offsetting the carbon footprint of printing your card.
All applications go through an internal assessment process, and we consider all applications carefully. Due to the bank's policy and confidentiality guidelines, we cannot reveal the reasons for your unsuccessful application.
Most applications take less than 3 minutes. However, if we need clarifications from you, it may take up to 3 working days.
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
You will enjoy the following: 17% upfront discount + 0.22% Linkpoints rebate on the nett transaction amount + 3.5% rebate on nett transaction amount if you meet the minimum monthly spend for your card. Do note that the 3.5% rebate will be subjected to the respective card's monthly Linkpoints cap.
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 56 years and above
Assessed annual income less than S$15,000
No credit card or unsecured loan with Standard Chartered Bank
You will enjoy 17% upfront discount and 0.22% Linkpoints rebate on the nett transaction amount.
You can find detailed information on credit cards and credit usage in the Consumer Guide for Credit Cards published on the website of The Association of Banks in Singapore (ABS): https://abs.org.sg/consumer-banking/consumer-guides
Up to the last 7 years of statements.
Trust does not charge any foreign transaction/markup fees, not even the usual 1% Visa charge.
No, it is interest-free, as long as you make a full repayment by your payment date or within 15 days after your credit card statement is generated.
There will be a late payment charge of SGD 100 and interest accrued if the minimum amount due is not received by the due date.
You will be able to read everything on the relevant interest, fees and charges in this Key Fact Sheet here!
For partial payment or non-payment by the payment due date, an interest of 0.074% (26.9% p.a.) will be charged on: - The unpaid principal in your statement balance, from the date of the previous statement on a daily basis until payment in full; and - The amount of each new transaction (after the previous statement date), from the date your transactions were posted on a daily basis until payment in full. You will be able to read everything on the relevant interest, fees and charges in this Key Fact Sheet here!
There is no cash advance fee. However, you will incur interest charges for the cash advance, calculated on a daily basis at 0.074% (26.9% p.a.) on the amount withdrawn from the posting date of the transaction until the date of full payment.
Trust may change your cash advance limit for various reasons, such as changes in your credit score or credit utilisation, or changes in our internal policies or regulatory requirements.
Yes, Trust Bank reserves the right to lower your cash advance limit.
No, there are absolutely zero fees for this!
The table below should help you to understand the rewards better! Union
FPG groceries includes FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, FairPrice Online, Warehouse Club, Unity and Cheers stores (excluding FairPrice Xpress and Cheers outlets located within Esso stations) and FPG food includes Kopitiam and Kopitiam top-up cards. FPG groceries and food spend will, together, also be referred to as FPG spend. Transactions must be posted before they qualify.
Eligible Spend refers to all Visa transactions made on your card, excluding FPG spend and ineligible transactions. You will receive 0.22% Linkpoints rebates on all Eligible Spends, with no cap. See our FAQs or Product Terms to find out what transactions are ineligible.
Min Monthly Spend refers to Eligible Spend in a calendar month. However, this criteria is waived for the first calendar month in which your credit card is approved. For example, if your credit card is approved on 1 Feb 2022 or 20 Feb 2022, you will not need to meet the Min Monthly Spend in Feb 2022 and will automatically enjoy the Monthly Bonus Rate for Feb 2022.
Base Rate includes the 0.5% Linkpoints rebate given by FPG for FPG groceries. The additional Base Rate Linkpoints rebate of 2% is exclusive to all FairPrice members (NTUC Union members who are shareholders of FairPrice) for all FPG groceries purchases (excluding Cheers), capped at 12,000 Linkpoints a year.
The Monthly Bonus Rate of 8.5% Linkpoints rebate (or 3.5% on the NTUC Link Debit Card) is applicable on FPG spend. The Monthly Bonus Rate will be awarded as soon as you meet the Min Monthly Spend requirement. The Monthly Linkpoints Cap applies to your total FPG spend in a calendar month. For example, if your credit card is approved on 10 Feb 2022, the Monthly Linkpoints Cap will apply to your total FPG spend in Feb 2022.
The Quarterly Bonus Rate of 8% Linkpoints rebate (or 3% on the NTUC Link Debit Card) is applicable on FPG spend. The Quarterly Bonus Rate will be awarded as soon as you meet the Min Monthly Spend requirement for three consecutive months, starting from the first month that your credit card is approved. For example, if your credit card is approved on 10 Feb 2022, you will automatically meet the Min Monthly Spend for Feb 2022. You will then need to meet the Min Monthly Spend in Mar and Apr 2022 to enjoy the Quarterly Bonus Rate. Similarly, the Quarterly Linkpoints Cap will apply to your total FPG spend in Feb, Mar, and Apr 2022.
2% FairPrice members bonus (for FairPrice Members only) is applicable for FPG groceries (excluding Cheers) and is subject to approval at the FairPrice Annual General Meeting, capped at 12,000 Linkpoints per annum.
Non-union
FPG groceries includes FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, FairPrice Online, Warehouse Club, Unity and Cheers stores (excluding FairPrice Xpress and Cheers outlets located within Esso stations) and FPG food includes Kopitiam and Kopitiam top-up cards. FPG groceries and food spend will, together, also be referred to as FPG spend. Transactions must be posted before they qualify.
Eligible Spend refers to all Visa transactions made on your credit card, excluding FPG spend and ineligible transactions. You will receive 0.22% Linkpoints rebates on all Eligible Spends, with no cap. See our FAQs or Product Terms to find out what transactions are ineligible.
Min Monthly Spend refers to Eligible Spend in a calendar month. However, this criteria is waived for the first calendar month in which your credit card is approved. For example, if your credit card is approved on 1 Feb 2022 or 20 Feb 2022, you will not need to meet the Min Monthly Spend in Feb 2022 and will automatically enjoy the Monthly Bonus Rate for Feb 2022.
Base Rate includes the 0.5% Linkpoints rebate given by FPG for FPG groceries.
The Monthly Bonus Rate of 7.5% Linkpoints rebate (or 2.5% on the Trust Link Debit Card) is applicable on FPG spend. The Monthly Bonus Rate will be awarded as soon as you meet the Min Monthly Spend requirement. The Monthly Linkpoints Cap applies to your total FPG spend in a calendar month. For example, if your credit card is approved on 10 Feb 2022, the Monthly Linkpoints Cap will apply to your total FPG spend in Feb 2022.
The Quarterly Bonus Rate of 7% Linkpoints rebate (or 2% on Trust Link Debit Card) is applicable on FPG spend. The Quarterly Bonus Rate will be awarded as soon as you meet the Min Monthly Spend requirement for three consecutive months, starting from the first month that your credit card is approved. For example, if your credit card is approved on 10 Feb 2022, you will automatically meet the Min Monthly Spend for Feb 2022. You will then need to meet the Min Monthly Spend in Mar and Apr 2022 to enjoy the Quarterly Bonus Rate. Similarly, the Quarterly Linkpoints Cap will apply to your total FPG spend in Feb, Mar, and Apr 2022.
The table below should help you to understand the rewards better! Union
FPG groceries includes FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, FairPrice Online, Warehouse Club, Unity and Cheers stores (excluding FairPrice Xpress and Cheers outlets located within Esso stations) and FPG food includes participating Kopitiam stalls. FPG groceries and food spend will, together, also be referred to as FPG spend. Transactions must be posted before they qualify
Eligible Spend refers to all Visa transactions made on your card, excluding FPG spend and ineligible transactions. You will receive 0.22% Linkpoints rebates on all Eligible Spends, with no cap. See our FAQs or Product Terms to find out what transactions are ineligible.
Min Monthly Spend refers to Eligible Spend in a calendar month. However, this criteria is waived for the first calendar month in which your credit card is approved. For example, if your credit card is approved on 1 Jul 2023 or 20 Jul 2023, you will not need to meet the Min Monthly Spend in Jul 2023 and will automatically enjoy the Monthly Bonus Rate for Jul 2023.
Base Rate includes the 0.5% Linkpoints rebate given by FPG for FPG groceries. The additional Base Rate Linkpoints rebate of 2% is exclusive to all FairPrice members (NTUC Union members who are shareholders of FairPrice) for all FPG groceries purchases (excluding Cheers), capped at 12,000 Linkpoints a year.
The Monthly Bonus Rate of 6% Linkpoints rebate (or 2% on the NTUC Link Debit Card) is applicable on FPG spend. The Monthly Bonus Rate will be awarded as soon as you meet the Min Monthly Spend requirement. The Monthly Linkpoints Cap applies to your total FPG spend in a calendar month. For example, if your credit card is approved on 10 Jul 2023, the Monthly Linkpoints Cap will apply to your total FPG spend in Jul 2023.
The Quarterly Bonus Rate of 10.5% Linkpoints rebate (or 4.5% on the NTUC Link Debit Card) is applicable on FPG spend. The Quarterly Bonus Rate will be awarded as soon as you meet the Min Monthly Spend requirement for three consecutive months, starting from the first month that your credit card is approved. For example, if your credit card is approved on 10 Jul 2023, you will automatically meet the Min Monthly Spend for Jul 2023. You will then need to meet the Min Monthly Spend in Aug and Sep 2023 to enjoy the Quarterly Bonus Rate. Similarly, the Quarterly Linkpoints Cap will apply to your total FPG spend in Jul, Aug, and Sep 2023.
2% FairPrice members bonus (for FairPrice Members only) is applicable for FPG groceries (excluding Cheers) and is subject to approval at the FairPrice Annual General Meeting, capped at 12,000 Linkpoints per annum.
Non-union
FPG groceries includes FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, FairPrice Online, Warehouse Club, Unity and Cheers stores (excluding FairPrice Xpress and Cheers outlets located within Esso stations) and FPG food includes participating Kopitiam stalls. FPG groceries and food spend will, together, also be referred to as FPG spend. Transactions must be posted before they qualify
Eligible Spend refers to all Visa transactions made on your credit card, excluding FPG spend and ineligible transactions. You will receive 0.22% Linkpoints rebates on all Eligible Spends, with no cap. See our FAQs or Product Terms to find out what transactions are ineligible.
Min Monthly Spend refers to Eligible Spend in a calendar month. However, this criteria is waived for the first calendar month in which your credit card is approved. For example, if your credit card is approved on 1 Jul 2023 or 20 Jul 2023, you will not need to meet the Min Monthly Spend in Jul 2023 and will automatically enjoy the Monthly Bonus Rate for Jul 2023.
Base Rate includes the 0.5% Linkpoints rebate given by FPG for FPG groceries.
The Monthly Bonus Rate of 5% Linkpoints rebate (or 1% on the Trust Link Debit Card) is applicable on FPG spend. The Monthly Bonus Rate will be awarded as soon as you meet the Min Monthly Spend requirement. The Monthly Linkpoints Cap applies to your total FPG spend in a calendar month. For example, if your credit card is approved on 10 Jul 2023, the Monthly Linkpoints Cap will apply to your total FPG spend in Jul 2023.
The Quarterly Bonus Rate of 9.5% Linkpoints rebate (or 3.5% on Trust Link Debit Card) is applicable on FPG spend. The Quarterly Bonus Rate will be awarded as soon as you meet the Min Monthly Spend requirement for three consecutive months, starting from the first month that your credit card is approved. For example, if your credit card is approved on 10 Jul 2023, you will automatically meet the Min Monthly Spend for Jul 2023. You will then need to meet the Min Monthly Spend in Aug and Sep 2023 to enjoy the Quarterly Bonus Rate. Similarly, the Quarterly Linkpoints Cap will apply to your total FPG spend in Jul, Aug, and Sep 2023.
You will start earning monthly and quarterly bonus Linkpoints rebates on FairPrice Group (FPG) spend* when meet the monthly and quarterly minimum Eligible Spend outside FPG^. monthly spend requirement. For a delightful start to your Trust experience, you will automatically meet the minimum monthly spend requirement for the month in which your card is approved. For example, if your card is approved on 3 or 28 May, there is no minimum spend requirement for the month of May. *FPG groceries includes FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, FairPrice Online, Warehouse Club, Unity and Cheers stores (excluding FairPrice Xpress and Cheers outlets located within Esso stations). FPG food includes Kopitiam and Kopitiam top-up cards. FPG groceries and food spend will, together, also be referred to as FPG spend. ^Eligible Spend refers to all Visa transactions made on your credit card, excluding FPG spend and ineligible transactions. You will receive 0.22% Linkpoints rebates on all Eligible Spend, with no cap.
The monthly cap on the monthly bonus rebates is based on your total FairPrice Group (FPG) spend in a calendar month. For instance, whether your card is approved on 1 July 2022 or 20 July 2022, your monthly cap for the month of July will be based on your total FPG spend on in July 2022. The quarterly cap on the incremental quarterly bonus rebates is based on the first month that your card is approved for total FPG spend. For instance, if your card is approved on 10 July 2022, your quarterly cap will be based on your total FPG spend from July to September 2022. However, if your card is approved on 30 August 2022, your quarterly cap will be based on your total FPG spend from August to October 2022. Please note that the quarterly and monthly caps are distinct and separate. *FPG groceries includes FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, FairPrice Online, Warehouse Club, Unity and Cheers stores (excluding FairPrice Xpress and Cheers outlets located within Esso stations). FPG food includes Kopitiam and Kopitiam top-up cards. FPG groceries and food spend will, together, also be referred to as FPG spend.
Yes, if the refund takes place in the same month as the month in which the transaction was posted, it will reduce your minimum spend achieved for the month accordingly.
In the month that you successfully apply for your second card product, the minimum spend requirement will be based on your first card product - because we understand you may only be able to use your second card much later. However, from the next month onwards, it will be based on the minimum spend requirement of your credit card.
Your rebate is based on the card that you use. For debit card transactions, the rebate will be that of the debit card. Similarly, credit card transactions will be based on the credit card rebate.
No, you still need to sign up for a Trust credit card. The application process is fully automated so it should be quick and easy. Do note that if you're a Singaporean citizen or permanent resident and your annual income is between SGD 30,000 and SGD 120,000, your credit limit with Trust will be combined with your Standard Chartered credit limit.
Reach us via: - Live chat or voice call on your Trust App - OR call us at +65 313-TRUST (+65 3138 7878)
You can check if your credit card is enabled or disabled for overseas usage in a few easy steps:
Log in to your Trust App
Go to 'Money'
Select ‘View and manage card’
Select 'Transaction controls'
Under ‘Physical card and contactless use’, check the setting for overseas use
Yes, certainly! You can enable your physical credit card for overseas usage before you travel in a few easy steps: 1. Log in to your Trust App 2. Go to 'Money' 3. Select 'View and manage card' 4. Select 'Transaction controls' 5. Under 'Physical card and contactless use', turn on the setting for Overseas use Do note that you will need to first activate your physical credit card if it's new, replaced or renewed.
The magnetic stripe behind your physical credit card contains your credit card information and is easy to clone. On the other hand, the EMV chip on the front of your card contains a microprocessor chip that uses encryption to prevent its contents from being replicated. The EMV chip card complies with the Monetary Authority of Singapore's enhanced standard of data security and offers better protection against fraudulent activities. For magnetic stripe transactions, the merchant sales staff will swipe your card. However, for EMV chip transactions, your card will be inserted into a point-of-sale (POS) terminal.
You can disable your physical credit card for overseas usage in a few easy steps: 1. Log in to your Trust App 2. Go to 'Money' 3. Select 'View and manage card' 4. Select 'Transaction controls' 5. Select 'Physical card use' and turn off the setting for Overseas use
Card pairing is a feature that gives you the flexibility to pair your card with either your credit card account or savings account. Do note that it's only available for customers who own both products. If you would like to switch the pairing: 1) From credit card account to savings account Tap the "Pair card" button in "View and manage card", and tap ‘Pair with savings account’. Subsequently, all transactions done on your card (including previous automatic payments) will be charged to your savings account. 2) From savings account to credit card account Tap the “Pair card” button in “View and manage card”, and tap ‘Pair with credit card account’. Subsequently, all transactions done on your card (including previous automatic payments) will be charged to your credit card account. The transactions will be billed to you when your statement is ready. ATM cash withdrawals You have the option of selecting to withdraw cash from either your savings account or credit card account at the ATM. The funds will then be withdrawn based on this selection. To avoid charges, we recommend that you select ‘Savings Account’ for ATM cash withdrawals so they are withdrawn from your savings account. If you choose to withdraw cash with your credit card account, charges for cash advance will apply.
After you tap the "Pair with savings account" button in the Trust App, we'll send a push notification to confirm this change has been completed. Transactions When your card is linked to your Savings Account by Trust, all your new credit card transactions (including automatic payments previously done set up on your credit card while it was paired with credit card account) will be taken deducted from your savings account. Any transactions that were authorised before you tap the "Pair with savings account" button (i.e. those that appear as ‘pending’ in the Trust App) will still be processed as Trust credit card transactions on your credit card account. ATM cash withdrawals You have the option of selecting to withdraw cash from either your savings account or credit card account at the ATM. The funds will then be withdrawn based on this selection. To avoid charges, we recommend that you select ‘Savings Account’ for ATM cash withdrawals so they are withdrawn from your savings account. If you choose to withdraw cash with your credit card account, charges for cash advance will apply.
The pair feature is only available to customers with both Trust credit card and debit card/savings account. This means that if you close the Trust credit and/or debit card, the pair feature will no longer be available to you. After your Trust credit card is closed, all your future spending on your Trust card will be deducted from your Savings Account by Trust. Similarly, after your Trust debit card is closed, all your future spending on your Trust card will be deducted from your Trust credit account.
If your transaction was still ‘pending’, the reversed amount will go to the credit or debit card that you’ve used to make the transaction.
However, if your transaction is ‘completed’, the refunded amount will go to the credit or debit card that you are paired to at that point in time.
If the transaction has been authorised and is being processed, it can't be changed. That means the payment you've made will be charged to your debit card.
After tapping the pair feature, the change will take effect immediately and all future transactions will be charged into the card you've paired to.
Yes, you will need to pair it to your credit card to repay your credit card bill.
The main cardholder has to send an invite to the supplementary cardholder by going to Trust App > Money > More for you > Send invite under ‘Gift supplementary credit card’.
The supplementary cardholder will then receive an invite which they can accept by going to Trust App > More for you, then tap on 'View invite'.
You may obtain it within 30 calendar days from the date of approval or rejection of your credit card application via the credit bureau website listed below. Alternatively, you may present the approval or rejection email and your NRIC/passport to the following credit bureau’s registered office to obtain a free credit report. Credit Bureau (Singapore) Pte Ltd 2 Shenton Way, #20-02 SGX Centre 1, Singapore 068804 www.creditbureau.com.sg
Regulated customers are Singapore citizens or Singapore permanent residents, whose annual income is below SGD 120,000.
It will affect the maximum overall credit limit for Singapore citizens and Singapore permanent residents that can be assigned for unsecured credit facilities across Trust and Standard Chartered : - For regulated customers whose annual income is between SGD 30,000 to less than SGD 120,000: Up to 4 months' income - For regulated customers who are aged above 55 years old whose annual income is less than SGD 30,000: Up to 2 months' income
If you already have an existing unsecured credit facility with Standard Chartered and wish to apply for a credit card, Trust will need to apply the overall credit limit to your unsecured credit facilites across Standard Chartered and Trust. For example, if your monthly income is SGD 5,000, then your overall credit limit is SGD 20,000 (4 times your monthly income). If your Standard Chartered credit limit is SGD 12,000, Trust will be able to grant you a credit limit of up to SGD 8,000, unless you decide to transfer your credit limit from Standard to Trust (link to next question). Here are some illustrations to help you understand this better: If you would like Trust to decide your credit limit, click here. If you would like to decide your own credit limit and would like a Trust credit limit that is higher than what has been assigned to you, click here. If you would like to decide your own credit limit and are happy with the Trust credit limit assigned to you, click here.
This option can be an alternative in the event that Trust is unable to approve your preferred credit limit based on our credit assesment of your application. You can get a credit card by transferring some of your unutilised credit limit from your existing Standard Chartered products to credit card. Another thing to note: This is only applicable for regulated customers and it is a one-time transfer available at the point of your credit card application and no reversal can be made once you choose to proceed with this credit limit transfer option.
The option to transfer available credit limit from Standard Chartered to Trust is an exclusive option provided to you only during your credit card application with Trust. As this is a one-time process, no reversal can be made once you proceed with this option.
Trust will grant you the limit immediately. Standard Chartered will also notify you of the limit change (if you opted for a transfer of limit).
The credit card limit assigned by Standard Chartered is common across all credit cards held by you. For example, if your credit card limit is SGD 20,000 and you have 3 credit cards, the total spend across the 3 cards will be capped at SGD 20,000. Therefore, any limit you transfer to Trust will reduce the overall credit card limit you have with Standard Chartered.
No, it would not be possible to automatically transfer your Trust credit limit back to your Standard Chartered credit products. You can however request for an increase in your credit limit via Standard Chartered customer care. Don't hesitate to call our Customer Care Team for assistance. Reach us via: - Live chat or voice call on your Trust App - OR call us at +65 313-TRUST (+65 3138 7878) You may also contact Standard Chartered service hotline to further assist you. Visit www.sc.com/sg/help/contact-us/ for more information.
Your credit limit will be reviewed and will be adjusted if your overall credit limit with Trust and Standard Chartered has exceeded the prevailing regulatory limit. If your existing outstanding balance exceeds the regulatory limit, you are required to pay off the excess balance above your revised credit limit with Trust. Otherwise, charges will apply accordingly.
If you receive/have received confirmation from NTUC by the 18th of the given month for your successful NTUC Union membership sign up either via a eDM or welcome pack, we will update your NTUC Union membership status in our records within the same month. Note that in exceptional circumstances, we may take up to 60 days to update your NTUC Union membership status in our records from when we first learnt about your NTUC Union membership status change.
Once your NTUC Union membership status is updated at Trust, your digital card face in the Trust App will be updated to the NTUC Link Credit/Debit Card face.
No, your card details will remain the same, as we do not want any of your recurring payments and card on file payments to be declined. However if you want a new physical card, you can request for a lost card replacement via the Trust App. Note that your card details will be affected after a lost card replacement.
You do not need to inform us. You will receive a eDM from us that your NTUC Link Credit/Debit Card benefits is effective.
Once your NTUC Union membership status is updated in our records your NTUC Link Credit/ Debit card benefits will start from the 1st of the subsequent month. You will also receive a eDM from us that your NTUC Link Credit/Debit Card benefits is effective.
You will only start to enjoy the NTUC Link Credit/Debit card benefits from the first day of the subsequent month when your card face has changed to the NTUC Link Credit/Debit digital card.
No, if you would like a physical NTUC Link Credit/Debit Card, please perform a lost card replacement via the Trust App. Do ensure that you do not select the “damaged card” replacement option as you will not receive the NTUC Link Credit/Debit Card with this option. Please note that with a lost card replacement, your card details including card number, CVV and expiry date will change and you will have to update your card details for any online credit card arrangements (card-on-file, recurring payments) that you may have.
No, you will not be able to use your existing physical Trust Link Credit/Debit Card to earn Linkpoints after the lost card replacement option is selected. You will only be able to use your new NTUC Link Credit/Debit Card to earn Linkpoints when you do receive it or use the FairPrice app, by adding the new NTUC Link Credit/Debit Card details available on your Trust App in the meantime.
You can decrease your credit limit in a few steps on your Trust App:
Log in to your Trust App
Go to 'Money'
Select ‘View and manage card’
Select ‘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
The transfer will be processed in real time to your credit card and you’ll receive an immediate confirmation.
We are working hard to make this feature available to you at the earliest. Stay tuned!
This option is currently not available. Please see the following question, How can I pay my Trust credit card bill?, for details steps on how to pay your credit card bill.
You will be able to spend up till 98% of your credit limit based on our internal policy.
