Frequently asked questions
The main cardholder is eligible to give a supplementary card if:
He/She has a Trust credit card; and
Has a credit limit of at least S$1,000
The supplementary cardholder is eligible to receive a supplementary card if he/she:
Has a Trust savings account; and
Does not have a Trust credit card
It's simple! 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'.
A main cardholder can only have 1 supplementary card.
Earn rewards together
Supplementary card's eligible spend is counted towards the main cardholder's monthly minimum spend and Linkpoints earned from supplementary card's transactions will go to the main cardholder.
Track spending
Main cardholder can keep track of supplementary card spend from the Trust App.
Set spending limit
Main cardholder can set a monthly spending limit for the supplementary 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.
For supplementary cardholders, your existing Trust debit card will now be your supplementary card. Once your supplementary card is approved, your card will automatically be paired to your supplementary card. To use Trust card as a debit card instead, you can switch the card pairing anytime on your Trust App by tapping View and manage card > Card pairing.
When the main cardholder sends out the supplementary card invite, the main cardholder sets a spending limit for the supplementary cardholder. This spending limit refers to the maximum amount that the supplementary cardholder can spend in a calendar month, and the supplementary cardholder's available balance will reset at the start of the calendar month to the spending limit as long as it does not exceed the main cardholder's available balance. If the main cardholder's available balance is lower than the pre-set spending limit, the supplementary cardholder's available balance will follow the main cardholder's available balance.
Even after opening a supplementary card account, the main cardholder can continue to spend up to the credit limit, as long as there is sufficient available balance. For instance, if the main card has a credit limit of $10,000 and the supplementary card has a spending limit of $1,000, the main card's credit limit will remain as $10,000, and the main cardholder can spend up to the credit limit as long as there is sufficient available balance.
When a supplementary card transaction is made, the available balance will decrease accordingly for both the main and supplementary cards.
Yes, the main cardholder can do this by going to Trust App > Money > View and manage card > Supplementary card > Manage > Change spending limit. Please note that this change will take effect immediately.
All supplementary card eligible spend will be counted towards the main cardholder's monthly minimum spend.
Once the main cardholder meets the monthly minimum spend, all monthly and quarterly bonus Linkpoints earned from supplementary card spend will go to the main cardholder. Supplementary card's FairPrice Group spend will earn Linkpoints for the main cardholder at the same rate as the main cardholder's credit card.
No, supplementary card transactions will be counted towards main cardholder's card spend for bonus interest on the main cardholder's savings account. For supplementary cardholders, only debit card transactions will be counted towards the bonus interest on their savings account.
Supplementary card transactions are consolidated with the main cardholder's statement, and are represented with the word "(Supp)". There is no separate statement issued to the supplementary cardholder. Main cardholder's statement and repayment dates are the same as before, and there are no separate statement and repayment dates for the supplementary card. Main cardholder will also be solely liable for the supplementary card.
The supplementary card transactions will be consolidated with the main cardholder's statement, and the main cardholder can make payment like before.
For more details on how main credit cardholders can repay their Trust credit card bill, please view here
There are no fees or charges for supplementary card. All supplementary card outstanding balances will be consolidated with the main card's outstanding balances, and any late payment and/or interest charges will be charged to the main cardholder only.
