NTUC Trust Card 2025 Review: Benefits, Transaction Fees & More
Updated: 10 Nov 2025
Trust’s latest credit card is a TRUST-worthy card for your wallet if you are a fan of shopping overseas or shopping at NTUC FairPrice.
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Is the rising cost of living, especially from inflation, a constant source of worry in your life? Or perhaps you’re also concerned about overspending on your year-end holiday.
Unless you have a way to bring in additional income, what else can be done to help defray the rising cost of living?
Well, that’s where Trust’s newly launched credit card can help you out. Trust – which is one of Singapore’s newest digital banks – has introduced a credit card that could be a game changer for everyday Singaporeans, especially for those who shop frequently at NTUC FairPrice or are avid travellers.
With an array of innovative card features, the Trust credit card is designed to provide you with a better banking experience to help you maximise your savings.
- Enjoy up to 21% savings on groceries and food at FairPrice Group when you spend on credit card.
- Enjoy up to 20% savings on fuel purchase at Caltex when you spend on credit card.
- Enjoy 0% foreign transaction fees
- No annual fees.
- No cash advance fee.
- No card replacement fee.
- Cashback provided in Linkpoints.
Pros & Cons
Pros
Enjoy up to 21% savings on groceries and food at FairPrice Group when you spend on credit card.
Enjoy up to 20% savings on fuel purchases at Caltex when you spend on credit card.
Enjoy 0% foreign transaction fees.
No annual fees.
No cash advance fee.
No card replacement fee.
Cons
Cashback earned in Linkpoints.
What is the NTUC Trust Link Card?
The NTUC Trust Link Card is a combined credit and debit card offered by Trust Bank Singapore. Designed exclusively for NTUC Union members, the card features no annual fee and allows cardholders to accumulate Linkpoints as well as enjoy savings when they shop at FairPrice.
Trust Bank Singapore is a digital bank jointly created by Standard Chartered Bank and FairPrice Group. Unique amongst digital banks, Trust Bank operates under a full banking license issued by the Monetary Authority of Singapore.
Earn rates
The Trust Link Card transforms your shopping experience by offering the ability to earn Linkpoints with every dollar spent. The earn rate differs based on whether it is a credit or debit card spend.
Credit Card Spend: Earn up to 21% in Linkpoints for every S$1 spent on FairPrice groceries and food when you hit a minimum spend of S$700 monthly on purchases outside the FairPrice Group.
Debit Card Spend: Earn up to 11% in Linkpoints for every S$1 spent on FairPrice groceries and food when you hit a minimum spend of S$400 monthly on purchases outside the FairPrice group.
All other eligible spend outside of the FairPrice group will earn 0.22% in Linkpoints for every S$1 spent. For every 100 Linkpoints you earn, you will be able to redeem S$1.
Transaction fees
The Trust Link Card is advertised as a “fee-less” card, offering peace of mind for its users. One of the benefits of the Trust Card is zero foreign transaction fees, which includes waiving the typical 1% fee associated with Visa cards. This makes the card a preferred choice for overseas use, especially for those who wish to avoid additional costs while spending abroad.
In addition to its travel-friendly features, the Trust Link Card also has the added benefit of no annual fees, cash advance fees, or card replacement fees. For those wary about unexpected card-related expenses, the Trust Link Card is an excellent worry-free option.
Foreign exchange rate
The Trust Link Card offers straightforward, honest, foreign exchange rates that are as close as possible to what you would find on Google, ensuring that you get the most value for your money when spending abroad. Trust Bank is able to offer attractive rates due to its transparent approach with no hidden markups or fees.
Moreover, the Trust Link Card offers additional benefits for overseas use beyond favourable foreign exchange rates. The Trust Card is an excellent travel credit card as it simplifies travel finances by allowing you to pay directly in-store or online, allowing you to receive better rates without having to deal with money changers or manage multi-currency wallets.
Sign-on bonus
All new Trust customers who sign up using the referral code TRUSTMSD are eligible for S$60 worth of FairPrice e-vouchers (1 × S$10, 1 × S$50). These e-vouchers are valid for 12 months, have no minimum spend, and can be used online or offline at various FairPrice outlets.
What are the features of the Trust Link Card?
Designed for convenience and savings, let’s review the features on the Trust Link Credit Card:
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No annual fees
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No foreign transaction fees
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No cash advance fees
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Competitive foreign exchange rates
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Up to 21% savings on groceries and food at FairPrice Group merchants
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Up to 20% off on fuel at Caltex
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Trust app to track rewards and get payment reminders
Reward points
The NTUC Trust Link Card rewards cardholders with Linkpoints, which is earned as a percentage of spending. There are three tiers of rewards: a base tier, a monthly bonus and a quarterly bonus. The following rates for reward points are based on the exclusive Trust Link Card for NTUC Union members.
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Base Reward Points: Cardholders earn 2% bonus (up till 12,000 Linkpoints) and an additional 0.5% on all transactions at FairPrice Group. Earn 0.22% Linkpoints for Visa transactions.
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Monthly Bonus Reward Points: An extra 4% is earned on FairPrice Group purchases when you spend at least S$350 per month outside of FairPrice Group, with a cap of 5,500 Linkpoints.
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Quarterly Bonus Reward Points: By spending S$350 monthly for three consecutive months, cardholders can earn an additional 6.5% quarterly bonus on their FairPrice Group transactions, capped at 5,000 Linkpoints. Cardholders who spend S$700 per month for three consecutive months will earn an additional 6%, capped at 5,000 Linkpoints.
Linkpoints
LinkPoints are a form of reward points earned with the Trust link card. They can be accumulated and used for rebates at various FairPrice Group merchants, offering additional savings and benefits on purchases.
Dining discounts
The Trust app offers a coupon section where cardholders can access various dining discounts and other offers from participating merchants. Some of these dining discounts include:
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S$2 off Starbucks with S$10 min spend (8,000 redemptions)
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Free hot Kopi/Teh when you make 4 transactions at Kopitiam with Trust card
There is also an engaging rewards system through the Trust Link Card’s stamp feature. Each time you shop with your Trust card at participating merchants, you earn stamps. Accumulating these stamps leads to unlocking special rewards at your favourite establishments
Benefits for travellers:
#1: No foreign transaction fees when spending overseas
Travel inflation can put a damper on holiday plans, but with the Trust card, foreign transaction fees will be one less thing to worry about. Made for those who love to travel (or frequent business travellers), Trust waives the usual costs when you use your card overseas, such as credit card markups or the standard 1% Visa fee.
In comparison, other banks will likely charge a 3.25% to 3.5% markup or fee whenever you use your credit card overseas.
Foreign transaction fees charged by banks (Visa cards)
|
Bank |
Foreign transaction fee (inclusive of Visa fee) |
|
3.25% on the converted Singapore Dollar amount |
|
|
3.25% on the converted Singapore Dollar amount |
|
|
3.25% on the converted Singapore Dollar amount |
|
|
3.25% on the converted Singapore Dollar amount |
|
|
3.50% on the converted Singapore Dollar amount |
With Trust, your purchasing power while on holiday will never be eroded – allowing you to save more while travelling abroad.
While some travel cards or apps like YouTrip also skip transaction fees, they often require you to manually top up your wallet before each trip. That can be a hassle, especially when you’re already juggling flight check-ins and luggage.
With the Trust Link Card, there’s no need for top-ups or money changers. You can pay directly overseas, whether it’s for a coffee in Tokyo or a souvenir in Bangkok, and still enjoy competitive foreign exchange rates that help you save on every spend.
In short, it’s the fuss-free way to stretch your dollar while seeing the world.
#2: Your card acts as both a debit and credit card
Yes, you read that right! Your Trust card offers dual functionality as both a credit and debit card (if you have both a Trust credit card and Trust savings account), allowing you to declutter your wallet while travelling, making it a great choice for overseas use. Don’t forget to use it to purchase your travel insurance as well!
The Trust Link card’s dual functionality is particularly useful if you need to withdraw funds from an ATM (that’s enabled by Visa) while overseas, so you’ll never be caught without funds during solo travel.
Users can simply select the preferred debiting account, which is either “Savings” or “Credit” on the ATM to draw funds overseas. Remember though, while your Trust card does not charge any foreign transaction fees or withdrawal fees, overseas banks may levy fees!
Besides that, your transactions are also updated in real-time on the Trust App, making it extremely easy to track your spending while overseas.
If your card goes missing, you can simply lock the card through the Trust App for added peace of mind. Getting a card replacement is free as well, so that is one less worry too!
[Update] Trust Bank releases new supplementary card feature
If you have any other avid grocery shoppers in your family, good news! Trust Bank recently rolled out their fully digital supplementary cards. No signatures, no paperwork needed – just a few clicks of a button and the supplementary card is yours.
Supplementary cardholders will have access to view transactions and Linkpoints accumulated, but only primary cardholders can adjust and set the spending limit. So no worries about overspenders here! Just think of it more as a debit card for your dependents. 😉
#3: You get to choose your repayment date
One feature that travellers will certainly enjoy is the ability to choose your repayment date when you apply. What this means is that you can align your Trust Link Credit Card repayment date with when your pay comes in.
This feature is a first in Singapore and will be particularly useful for travellers who have racked up significant travel bills during overseas use.
To ensure that you don’t miss your crucial repayment date, the Trust app even sends you smart reminders to pay on time to avoid late payment charges on your card!
Benefits For grocery shoppers:
#4: Combat the rising costs due to inflation and GST hike
Even though prices have started to stabilise, many Singaporeans are still feeling the pinch. CPI-All Items inflation stood at 1.2% year-on-year in January 2025 — a sign that while inflation has eased compared to the highs of previous years, everyday expenses remain elevated.
And with the Goods and Services Tax (GST) now at 9%, following the official increase on 1 January 2024, essentials like groceries, dining, and services continue to cost more than before. It’s no surprise that Singaporeans are watching their spending more carefully and looking for smarter ways to stretch their dollar, whether it’s through cashback cards, savings accounts, or rewards programs.
While rising prices may be eating into our budgets, the Trust Link Credit Card can help ease the impact by offering everyday savings and rewards that stretch your dollar further.
For instance, NTUC Union Members can enjoy up to 21% savings in Linkpoints when shopping for groceries and dining at FairPrice Group (FPG) stores with the Trust Link Credit Card. Even if you’re not an NTUC member, you can still earn up to 15% savings, making it a solid deal either way.
Worried about rising petrol prices? With your Trust card, you’ll also get to enjoy up to 20% in fuel savings when you pump at Caltex.
#5: Better rebates compared to existing grocery credit cards
As mentioned earlier, when you use your Trust Link Credit Card, you’ll be able to earn the highest rebate of up to 21% on your FPG transactions (for NTUC Union Members).
This rebate comes in the form of Linkpoints, which can be used to offset future purchases or converted to your preferred loyalty points such as KrisFlyer and AirAsia rewards, among other merchants.
Grocery rebates: Trust credit card VS other grocery credit cards
In case you aren’t already convinced, here is a review of the NTUC Trust Link Credit Card in comparison to other grocery credit cards.
|
Credit card |
NTUC Link credit card (For NTUC Union Members)
|
Trust Link credit card (For everyone else) |
|||
|
% of cashback |
Up to 21% savings on groceries and food at FPG |
Up to 15% savings on groceries and food at FPG |
Up to 10% cashback on Grab, Shopee, and UOB Travel transactions |
Up to 5% savings on online, grocery purchases, and public transport rides |
Up to 8% cashback on 5 preferred cashback categories, including groceries |
|
Criteria |
Min. monthly spend of S$350 on purchases outside of FPG |
Min. monthly spend of S$450 on purchases outside of FPG |
Min. monthly spend of S$2,000 per month
At least 10 eligible purchases per month |
Min. monthly spend of S$500 for additional 4.7% bonus cashback rate |
8% cashback with min. monthly spend of S$800
Otherwise, base rate of 0.3% cashback |
|
Cap |
12,000 Linkpoints cap on bonus points (for FPG spend) Receive 0.22% Linkpoints in form of rebates on all Eligible Spend, with no cap (for out-of-store spend) |
Cashback is capped at up to $120 per month |
Cap of S$600 a year, credited in SMRT$ |
Cashback is capped at S$125 per month, capped at S$25 per category. This means you only get a maximum of S$25 cashback on groceries. |
|
Information accurate as of 22 October 2025
The winner: Trust Credit Card
From the table, we can see that the review shows that the Trust credit card offers the best-in-market rewards for shopping at FPG – allowing you to save up to 21% with the NTUC Link Credit Card (for NTUC Union Members) and 15% with the Trust Link Credit Card for non-NTUC Union Members.
#6: Save even more at your favourite merchants with exclusive rewards
Good news for new customers — when you sign up for a Trust Link Credit Card using the referral code TRUSTMSD, you’ll receive S$60 worth of FairPrice e-vouchers (1 × S$10 + 1 × S$50).
These e-vouchers come with no minimum spend, are valid for 12 months, and can be used both online and in-store across FairPrice outlets. Whether you’re restocking your pantry or grabbing a quick snack, this sign-up bonus makes your everyday shopping that much more rewarding.
That’s not all; you’ll also enjoy a myriad of other rewards, which you easily track via the Trust App. That way, you’ll never miss out on the latest promotions and savings.
Some of the existing rewards and bonuses include:
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S$2 off at Starbucks with S$10 minimum spend
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S$2 off the Thai-Thai Saucy Chicken Box at KFC
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15% off your first two Gojek rides for new customers
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Refer your friends to Trust Bank and get an in-app scratch card worth S$10 to S$2,000 cashback for every successful sign-up, with no cap on referrals.
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And many more!
Differences in benefits between NTUC union vs non-union members
The benefits of the Trust Link Credit Card vary depending on whether you are an NTUC Union member. Let’s review the differences:
Base reward points
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Trust Link Credit Card (For NTUC Union Members): Earn a base rate of 2.5% in Linkpoints on all your FPG spend (2% up till 12,000 Linkpoints, on top of 0.5% base), and 0.22% on all other eligible transactions.
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Trust Link Credit Card (For Everyone Else): Earn a base rate of 0.5% in Linkpoints on all your FPG spend, and 0.22% on all other eligible transactions.
Bonus reward points
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Trust Link Credit Card (For NTUC Union Members): Earn 4% monthly bonus (up to 5,500 Linkpoints) and up to 6.5% quarterly bonus (up to 5,000 Linkpoints) with a S$350 monthly spend outside FairPrice Group. Earn an extra 6% quarterly bonus (up to 5,000 Linkpoints) when you spend S$700 per month for three consecutive months.
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Trust Link Credit Card (For Everyone Else): Earn 4% monthly bonus (up to 5,500 Linkpoints) and up to 5.5% quarterly bonus (up to 5,000 Linkpoints) with a S$450 monthly spend outside FairPrice Group. Earn an extra 5% quarterly bonus (up to 5,000 Linkpoints) when you spend S$700 per month for three consecutive months.
Potential savings
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Trust Link Credit Card (For NTUC Union Members): Up to 21% savings on credit card spend, up to 11% savings on debit card spend.
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Trust Link Credit Card (For Everyone Else): Up to 15% savings on credit card spend, up to 5% savings on debit card spend.
Linkpoints redemption
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Both cards: Redeem S$1 off with every 100 Linkpoints at participating Linkpoints partners
FairPrice Annual Member Bonus
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Trust Link Credit Card (For NTUC Union Members): Earn an additional 2% once a year on FPG groceries, capped at 12,000 Linkpoints.
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Trust Link Credit Card (For Everyone Else): Not eligible
Putting your trust in the Trust Link Credit Card
Whether you’re using it for your next overseas adventure or are an avid FairPrice shopper, the Trust Link Card can be a rewarding addition to your wallet to help defray the rising costs of living. With savings up to 21% in the form of Linkpoints, cardholders have the flexibility to use these points for immediate rebates on future purchases or convert them to your preferred loyalty points or miles.
With its intuitive and user-friendly app design and seamless sign-up process, it’s no wonder that the Trust Link credit card is currently the talk of the town. Download the Trust Bank SG App today from the Apple App Store or Google Play Store!
This article is written in partnership with Trust Bank.
*FPG groceries and food spend will be referred to as FPG spend. FPG food includes participating stalls at Kopitiam and Kopitiam top-up cards.
FPG groceries include:
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FairPrice
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FairPrice Finest
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FairPrice Xtra
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FairPrice Xpress
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FairPrice Online
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Warehouse Club
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Unity
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Cheers stores (excluding FairPrice Xpress and Cheers outlets located within Esso stations)
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