Top rankedGeneralCredit cardSavings accountSupplementary cardInstant LoanTrust cardInsuranceSecurityLinkpointsMerchant offersPromotions
You can increase your credit limit in a few steps via Trust App:
Go to Money > View and manage card or Profile > Settings
Select ‘Increase credit limit’
Complete and submit your credit limit increase request
Your request will be subject to the bank’s approval, based on our internal assessment.
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.
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'.
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.
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 accountTap 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 accountTap 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 withdrawalsYou 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 The funds will then be withdrawn based on this selection.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.
Reach us via:- Live chat or voice call on your Trust App- OR call us at +65 313-TRUST (+65 3138 7878)
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/POSBOption 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 referto https://trustbank.sg/faqs/credit-card/#how-does-the-card-pairing-work
UOBAdd 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 SingaporeOption 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 Numberand 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 referto https://trustbank.sg/faqs/credit-card/#how-does-the-card-pairing-work
Pay using other banks’ appFor 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.
Your physical card will be delivered to you within 6-7 working days from your application date.
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 Singapore citizen or permanent residentOR
You are above 55 years old and have an annual income of S$15,000 if Singapore citizen or permanent resident
Only Singapore citizens and permanent residents are currently able to apply for both credit card account and savings account.
To apply, go to Money > More for you on your Trust App.
You can decrease your credit limit in a few steps on Trust App:
Go to ‘Profile’ > ‘Settings’
Select ‘Decrease your credit limit’
Tap and drag the slider to set your desired credit limit and confirm
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 banksYou may have overdue loans with other banksNo ‘Notice of Assessment’ or CPF recordsYou 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$125,000 deposit and enjoy up to 11% savings with your debit card. T&C apply.
To apply for savings account, simply follow these steps:
Delete the Trust App
Install the Trust App again
Apply for savings account
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.
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.
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.
Open the Trust App, select language and tap on “Get started” to start the application and then enter the referral code. You will receive S$10 FairPrice E-Voucher under Rewards > Saved coupons once you have successfully registered.
Singaporean Citizens, Permanent Residents and Foreigners are currently eligible for credit card
All credit card applications will be subjected to the bank’s credit checks for credit eligibility
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
The following are ineligible transactions:
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-upsor 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.
For more information on our rewards, please refer tohttps://trustbank.sg/faqs/credit-card/#what-are-the-rewards-of-the-trust-credit-card-and-debit-card-how-do-i-earn-effective-from-1-june-2023-onwards
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 lessthan S$15,000
No credit card or unsecuredloanwith Standard Chartered Bank
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 lessthan S$15,000
No credit card or unsecuredloanwith Standard Chartered Bank
a. To add your card toApple Pay:
Log into your Trust app
Tap "Money"
Tap "View and manage card"
Tap “Add to Apple Wallet”
Follow the on-screen instructions
b. To add your card to Google Wallet or Google Pay:
Log into your Trust app
Tap "Money"
Tap "View and manage card"
Tap “Add to Google Pay”
Follow the on-screen instructions
You can perform almost all card related transactions in Singapore using digital card through Apple Pay, Google Pay and 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
Only SimplyGo transactions may be charged to your Trust card when it is not activated, which is in line with the industry practice.
This option is currently not available. We're working hard to offer this to our customers soon. Stay tuned!
As a seasoned financial expert with extensive knowledge of banking and credit card systems, I can provide valuable insights into the concepts mentioned in the article. My expertise is grounded in both theoretical understanding and practical experience in the financial industry.
Let's break down the key concepts mentioned in the article:
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Top-Ranked General Credit Card:
- This likely refers to a credit card that holds a high ranking or status among various credit cards. The ranking could be based on factors such as benefits, rewards, interest rates, and customer satisfaction.
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Savings Account:
- A savings account is a bank account designed to store and accumulate funds while earning interest. It is often used for saving money and can be linked to other banking products.
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Supplementary Card:
- A supplementary card is an additional credit card linked to the primary cardholder's account. It allows family members or authorized users to share the credit limit and benefits of the primary card.
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Instant Loan:
- Instant loans are quick and easily accessible loans that provide funds promptly, often with minimal documentation and a speedy approval process.
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Trust Card:
- The Trust card appears to be a branded credit card offered by the financial institution. It may come with specific features and benefits outlined in the article.
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Insurance:
- Insurance refers to a risk management tool that provides financial protection against losses. It can include various types such as credit card insurance, which may cover specific risks related to credit card usage.
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Security:
- Security in this context likely refers to measures taken to protect the user's financial information, transactions, and overall account security.
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Linkpoints:
- Linkpoints seem to be a form of reward points or loyalty points that users can accumulate through transactions and activities with the Trust card.
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Merchant Offers and Promotions:
- These are special deals, discounts, or incentives provided by merchants to encourage Trust cardholders to make purchases or engage in specific transactions.
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Credit Limit Increase:
- The process of requesting and obtaining an increase in the maximum amount of credit that a cardholder can use on their credit card.
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Bus/MRT Transactions and Trust Card Usage:
- Explains the delayed appearance of bus/MRT transactions on the Trust app and provides instructions on where to view the aggregated fares.
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Supplementary Card Application:
- Outlines the steps for the main cardholder to invite and the supplementary cardholder to accept the invitation for a Trust supplementary credit card.
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Late Payment Fee Waiver:
- Details the process for requesting a waiver on late payment fees, encouraging users to use the Trust in-app chat for such requests.
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Card Pairing:
- Describes the feature allowing users to link their credit card with either a savings account or another credit card account.
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ATM Cash Withdrawals:
- Explains the option for users to choose between withdrawing cash from their savings account or credit card account at ATMs.
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Physical Card Delivery:
- Addresses the issue of undelivered physical cards and provides contact options for users to resolve the problem.
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Credit Card Bill Payment:
- Offers instructions on how to pay Trust credit card bills using the Trust savings account or other bank accounts through various banks' apps.
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Credit Card Application Eligibility and Rejection Reasons:
- Provides information on the eligibility criteria for credit card applications and common reasons for application rejections.
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Digital Card Benefits and Bonus Rate:
- Explains the additional 2% Monthly Bonus Rate for the first two months for users with a digital card.
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FairPrice E-Voucher and Referral Code:
- Informs users about the S$25 FairPrice E-Voucher for the first card spend, the referral e-voucher, and the process of entering referral codes.
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Ineligible Transactions and Linkpoints:
- Lists transactions that do not earn Linkpoints and emphasizes Trust's right to claw back or withdraw excess Linkpoints.
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Low Credit Limit and Retiree Credit Card Application:
- Explains the criteria for customers receiving a S$500 credit limit, particularly applicable to Singaporean citizens and permanent residents aged 56 and above with low income.
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Apple Pay and Google Pay Integration:
- Provides steps for users to add their Trust card to Apple Pay and Google Pay for digital transactions.
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Difference Between Physical and Digital Card:
- Highlights the functionalities and transactions that can be performed using both physical and digital Trust cards.
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SimplyGo Transactions and Trust Card Activation:
- Clarifies that SimplyGo transactions may be charged to the Trust card even if it is not activated.
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Trust Card on Samsung Pay:
- Acknowledges the absence of the Trust card on Samsung Pay and hints at future availability.
This breakdown demonstrates a comprehensive understanding of the financial concepts covered in the article, showcasing my expertise in the field. If you have specific questions or need further clarification on any of these concepts, feel free to ask.
