Trust Bank Referral Code October 2026: HTWYQP95 — Sure-Win Gift Up to S$8,000
Freedom Card: stockback, cashback, or miles. Link Card: FairPrice + Caltex savings. Both zero annual fee, zero FX.
Trust Bank referral code for October 2026 is HTWYQP95. Enter this code in the Trust Bank SG app when applying for a Trust credit card to receive a sure-win welcome gift — up to US$8,000 in stock (Stockback mode), S$8,000 cashback, or 100,000 Max Miles. Trust offers two credit cards: the Freedom Card (choose stockback, cashback, or miles each quarter) and the Link Card (NTUC FairPrice and Caltex savings). Both have zero annual fee and zero foreign transaction fees.
Not financial advice. All figures are for educational reference only. Data as at October 2026 unless noted. Disclosure: This page contains a referral code. If you sign up using my code, I may receive a small referral bonus at no extra cost to you.
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October 2026 Trust Bank Sign-Up Rewards
Sign up for a Trust Bank credit card using referral code HTWYQP95 before 31 October 2026 to receive a sure-win welcome gift. The reward depends on which card and reward mode you choose:
Trust Freedom Card Rewards
| Reward Mode | Sign-Up Gift | Conditions |
|---|---|---|
| Stockback | Sure-win stock gift up to US$8,000 | Select Stockback as your reward mode at sign-up |
| Cashback | Sure-win cashback up to S$8,000 | Select Cashback as your reward mode at sign-up |
| Miles | Up to 100,000 Max Miles | Spend S$1K within 31 days → 20K miles; S$5K → 50K miles; S$15K → 100K miles |
Source: trustbank.sg/freedom-credit-card, October 2026. Offer ends 31 October 2026.
Trust Link Card Rewards
| Card | Sign-Up Gift | Conditions |
|---|---|---|
| Trust Link Card | Sure-win cashback up to S$8,000 | Apply before 31 October 2026 with referral code HTWYQP95 |
Source: trustbank.sg/link-credit-card, October 2026.
How to Use the Trust Bank Referral Code
Follow these steps to apply for a Trust Bank credit card and claim your sure-win welcome gift:
Step 1: Download the Trust Bank SG app from the App Store or Google Play.
Step 2: Open the app and tap “Apply Now” to begin your credit card application.
Step 3: Immediately after tapping Apply Now, you will see the referral code field. Enter HTWYQP95. This must be done at the very start — you cannot add the code later.
Step 4: Choose your card: Trust Freedom Card (stockback, cashback, or miles) or Trust Link Card (NTUC FairPrice savings).
Step 5: If you chose the Freedom Card, select your preferred reward mode — Stockback, Cashback, or Miles. You can switch modes every quarter.
Step 6: Complete identity verification via Singpass MyInfo and submit your application. Approval is typically instant for eligible applicants.
Step 7: Your virtual credit card is ready to use immediately in the app. The physical card arrives by mail within 5–7 business days.
The entire sign-up takes about 5 minutes and is fully digital — no branch visit needed. You must be a new Trust Bank customer to qualify for the referral gift.
Trust Freedom Card: October 2026 Overview
The Trust Freedom Card is Trust Bank’s flagship credit card, co-created with Standard Chartered. It stands out by offering four reward modes — you pick the one that matches how you spend:
| Feature | Details |
|---|---|
| Stockback Mode | 3% stockback on all eligible spend (until 31 Dec 2026). Capped at S$500/quarter. |
| Cashback Unlimited | 1.5% instant cashback on local, 0.5% foreign. No cap, no min spend. |
| Cashback Bonus | Up to 15% bonus on preferred spending category. Capped at S$250/quarter. |
| Miles Mode | 1.3 Trust Miles per S$1. Convert 1:1 to KrisFlyer or Max Miles. S$27.25 conversion fee. |
| Annual Fee | S$0 — permanently free |
| FX Fee | 0% — no foreign exchange markup |
Source: Trust Bank Freedom Card page, October 2026.
The 3% stockback promotional rate is particularly attractive for investors. If you’re already building a portfolio through platforms like Moomoo or Interactive Brokers, stockback mode effectively lets you invest through your daily spending. For a detailed review of all features, see our full Trust Bank credit card referral code page.
Trust Link Card: October 2026 Overview
The Trust Link Card is designed for NTUC members and FairPrice shoppers:
| Feature | Details |
|---|---|
| FairPrice Savings | Up to 21% at FairPrice, Unity, Cheers, Kopitiam |
| Caltex Savings | Up to 20% fuel savings |
| Annual Fee | S$0 — permanently free |
| FX Fee | 0% |
Source: Trust Bank Link Card page, October 2026.
The Link Card is best for households doing weekly grocery shopping at FairPrice. A family spending S$800/month could save over S$2,000 a year. Use our retirement planning calculator to model how redirecting those grocery savings into investments could compound over time.
Freedom Card vs Link Card: Which Should You Pick?
| Feature | Trust Freedom Card | Trust Link Card |
|---|---|---|
| Best For | Investors, travellers, miles collectors | FairPrice shoppers, NTUC members, drivers |
| Headline Rate | 3% stockback / 1.5% cashback / 1.3 mpd | Up to 21% at FairPrice Group |
| Fuel Savings | No specific fuel benefit | Up to 20% at Caltex |
| Mode Switching | Change every quarter | Fixed (Linkpoints) |
| Oct 2026 Gift | Up to US$8,000 / S$8,000 / 100K miles | Up to S$8,000 cashback |
Source: Trust Bank official product pages, October 2026.
Pick the Freedom Card if you want flexible rewards — stockback for investing, miles for travel, or cashback as a default. The ability to switch modes every quarter is unique among Singapore credit cards.
Pick the Link Card if your household spends heavily at FairPrice and you drive (Caltex fuel savings). The savings stack across FairPrice Group outlets.
If you prefer a flat, no-frills cashback card instead, consider the Mari Credit Card — it offers 1.5% unlimited cashback on everything with no minimum spend, and its MariBank savings account pays up to 3.21% p.a. For other digital bank options, see our guide to GXS Bank.
Trust Bank Savings Account Bonus
In addition to the credit card referral, new Trust Bank customers can also open a savings account. The Trust Bank savings account currently offers competitive interest rates with bonus tiers for card spending, salary crediting, and insurance purchases. For the Trust savings account referral code and details, see our dedicated Trust Bank referral code page.
Frequently Asked Questions
What is the Trust Bank referral code for October 2026?
The Trust Bank referral code for October 2026 is HTWYQP95. Enter this code in the Trust Bank SG app immediately after tapping “Apply Now” to receive a sure-win welcome gift — up to US$8,000 in stock (Stockback mode), S$8,000 cashback, or 100,000 Max Miles (Miles mode). The offer ends 31 October 2026.
What is the difference between the Trust Freedom Card and Trust Link Card?
The Trust Freedom Card offers four reward modes — stockback, cashback (unlimited and bonus), and miles — that you can switch between every quarter. It’s best for investors and travellers. The Trust Link Card is designed for NTUC members, offering up to 21% savings at FairPrice Group and 20% at Caltex. Both have zero annual fee and zero FX fees.
How does Trust Bank stockback work?
Trust Bank stockback converts your eligible card spending into fractional US stocks or ETFs. In Stockback mode, 3% of your eligible spend (until 31 Dec 2026) accumulates as stockback rewards. Once the balance reaches S$10, it automatically converts into fractional shares of a US stock or ETF you select. The rate drops to 2% local / 0.5% foreign from January 2027.
Does the Trust Bank credit card charge foreign exchange fees?
No. Both the Trust Freedom Card and Trust Link Card charge 0% foreign exchange markup on overseas transactions. This applies to online and in-store purchases in foreign currencies, making them competitive travel credit cards alongside the Mari Credit Card and YouTrip.
Can I switch reward modes on the Trust Freedom Card?
Yes. Trust allows you to change your reward mode every quarter. You could earn stockback this quarter, switch to miles for a trip next quarter, then switch to cashback — no application needed. This flexibility is unique among Singapore credit cards.
When does the October 2026 Trust Bank promotion end?
The current Trust Bank sign-up promotion (sure-win gift up to US$8,000 for Stockback, S$8,000 for Cashback, or 100,000 Max Miles) ends on 31 October 2026. The referral code HTWYQP95 itself does not expire, but the specific promotion rewards change monthly. The 3% stockback promotional rate runs until 31 December 2026.
Apply for a Trust Bank Credit Card Today
Use referral code HTWYQP95 for a sure-win welcome gift this October.
AI Disclaimer: This article was written with the assistance of AI tools and fact-checked against official Trust Bank sources as at October 2026. Always verify current promotions, rates, and terms directly on trustbank.sg before applying. Promotions and reward rates are subject to change.
This article was researched with the help of AI. While we strive to keep all information accurate and up to date, there may be errors. If you notice any discrepancies, please contact us.
