Trust Bank Credit Card Referral Code 2026: HTWYQP95 — Earn Up to S$1,000

The Trust Bank credit card referral code is HTWYQP95. Use this code when you sign up for a Trust Cashback Card, NTUC Link Credit Card, or Trust Link Credit Card to receive a scratch card worth a minimum of S$5 (up to S$1,000). From 10–30 June 2026, each successful referral also earns the referrer a stamp worth S$50 in FairPrice e-vouchers — up to 20 stamps for a total of S$1,000.

This page is for informational purposes only. All figures are as at June 2026 unless noted. Terms and conditions apply — always check Trust Bank’s official website for the latest details.

TL;DR:

  • Referral code: HTWYQP95 — works for all Trust Bank credit cards
  • You get a scratch card (min S$5, up to S$1,000) when you sign up with this code
  • June 2026 promo: referrer earns S$50 FairPrice e-voucher per stamp, max S$1,000 total

Trust Bank Credit Card Referral Code: HTWYQP95

Referral Code: HTWYQP95

This referral code works across all three Trust Bank credit card products: the Trust Cashback Card, the NTUC Link Credit Card, and the Trust Link Credit Card. When you enter the code HTWYQP95 during sign-up, you’ll receive a scratch card as part of Trust Bank’s member-get-member programme.

The scratch card gives you a guaranteed minimum of S$5, with the chance to win up to S$1,000. This is separate from the June 2026 stamp card promo detailed below.

Current Promo: June 2026 Stamp Card (10–30 June)

Limited Time — June 10–30, 2026

Earn Up to S$1,000 in FairPrice E-Vouchers

Refer a friend who signs up for any Trust Bank credit card. Each successful referral earns you 1 stamp = S$50 FairPrice e-voucher. You can collect up to 20 stamps, worth a total of S$1,000 in FairPrice e-vouchers.

Here’s how the stamp card promo works:

Detail Info
Promo Period 10 June – 30 June 2026
Reward per Referral 1 stamp = S$50 FairPrice e-voucher
Maximum Stamps 20 stamps
Maximum Reward S$1,000 in FairPrice e-vouchers
Eligible Products Trust Cashback Card, NTUC Link Credit Card, Trust Link Credit Card
Friend Gets Scratch card (min S$5, up to S$1,000) from member-get-member promo

Source: Trust Bank app, June 2026

This stamp card reward is on top of the existing scratch card promo from the member-get-member promotion. So both you and your friend benefit — your friend gets the scratch card, and you earn the stamp.

How to Use the Trust Bank Credit Card Referral Code

For the referrer (you):

  1. Open the Trust Bank app on your phone
  2. Go to Profile (bottom-right icon)
  3. Tap Invite Friends
  4. Find and share your referral code: HTWYQP95
  5. Share the code with your friend via WhatsApp, Telegram, or any channel

For the friend (new sign-up):

  1. Download the Trust Bank app from the App Store or Google Play
  2. Start the account sign-up process
  3. When prompted, enter the referral code: HTWYQP95
  4. Complete your identity verification via SingPass Myinfo
  5. Apply for a Trust Cashback Card, NTUC Link Credit Card, or Trust Link Credit Card
  6. You’ll receive a scratch card reward upon successful sign-up

Important: The friend must be completely new to Trust Bank. If you’ve had a Trust Bank account before (even if cancelled), you won’t be eligible for the referral reward.

Trust Bank Credit Cards Compared

Trust Bank currently offers three credit card products. Here’s how they stack up:

Feature Trust Cashback Card NTUC Link Credit Card Trust Link Credit Card
Annual Fee None, forever None, forever None, forever
Min. Spend No minimum No minimum No minimum
Cashback Rate Up to 1.5% on all spend Up to 21% at FairPrice Group Up to 8% LinkPoints at FairPrice
Rewards Type Cash rebate LinkPoints + FairPrice vouchers LinkPoints
Best For General everyday spending NTUC FairPrice shoppers NTUC union members
Contactless Yes (Visa) Yes (Visa) Yes (Visa)

Source: Trust Bank Singapore, June 2026

If you’re looking for a simple, no-fuss cashback card with no annual fee and no minimum spend, the Trust Cashback Card is the most popular choice. For heavy FairPrice shoppers, the NTUC Link Credit Card offers significantly higher rewards at FairPrice Group stores.

For a full breakdown of each card’s features, cashback tiers, and how they compare to other Singapore credit cards, read our Trust Bank Credit Card review.

Step-by-Step Sign-Up Guide

Applying for a Trust Bank credit card takes about 5 minutes. Here’s the full process:

  1. Download the Trust Bank app — available on iOS and Android
  2. Create a Trust Bank account — you’ll need to verify your identity through SingPass Myinfo. This is fast and paperless
  3. Enter referral code HTWYQP95 — make sure to key this in during the sign-up step (not after)
  4. Choose your credit card — select Trust Cashback Card, NTUC Link Credit Card, or Trust Link Credit Card
  5. Approval — Trust Bank uses a fully digital underwriting process. Most applicants get a decision within minutes
  6. Activate your card — once approved, your virtual card is ready to use immediately via Apple Pay or Google Pay. The physical card arrives by mail within 5–7 business days
  7. Collect your scratch card — your referral reward (min S$5, up to S$1,000) will appear in the app

Eligibility & Terms

Before you apply, make sure you meet these requirements:

Requirement Details
Age 21 years old and above
Residency Singapore Citizen or Permanent Resident
Income Minimum annual income of S$30,000
New to Trust Bank Must not have an existing or previously cancelled Trust Bank account
Referral Code Timing Code must be entered during sign-up, not after

Source: Trust Bank Singapore, June 2026

Frequently Asked Questions

What is the Trust Bank credit card referral code?

The Trust Bank credit card referral code is HTWYQP95. Enter this code during sign-up for any Trust Bank credit card (Cashback Card, NTUC Link Credit Card, or Trust Link Credit Card) to receive a scratch card reward worth a minimum of S$5, up to S$1,000.

Is the Trust Bank credit card referral code the same as the bank account referral code?

Yes, the referral code HTWYQP95 works for both Trust Bank savings account sign-ups and credit card applications. The same code applies across all Trust Bank products.

What do I get when I use the Trust Bank credit card referral code?

You’ll receive a scratch card with a guaranteed minimum of S$5 and a chance to win up to S$1,000. During the June 2026 stamp card promo (10–30 June), the referrer also earns S$50 in FairPrice e-vouchers per successful referral, up to S$1,000 total.

Can I apply for a Trust Bank credit card if I already have a Trust Bank savings account?

Yes, you can apply for a Trust Bank credit card if you already have a Trust Bank savings account. However, the referral code scratch card reward is only for users who are completely new to Trust Bank — no existing or previously cancelled accounts.

Which Trust Bank credit card should I choose?

For general everyday spending, choose the Trust Cashback Card — it offers up to 1.5% cashback on all purchases with no annual fee and no minimum spend. If you’re a frequent FairPrice shopper, the NTUC Link Credit Card gives you up to 21% rewards at FairPrice Group stores.

How long does it take to get approved for a Trust Bank credit card?

Most applicants receive a decision within minutes. Trust Bank uses a fully digital underwriting process through SingPass Myinfo. Once approved, your virtual card is ready to use immediately. The physical card arrives by mail within 5–7 business days.

Is there an annual fee for Trust Bank credit cards?

No. All Trust Bank credit cards — the Cashback Card, NTUC Link Credit Card, and Trust Link Credit Card — have no annual fee, forever. There is also no minimum spending requirement.

More Singapore Referral Codes & Investing Tools

Looking for more ways to save and earn? Check out these other referral codes and tools:

Disclaimer: The Kopi Notes may earn a referral fee when you sign up using the code above. This does not affect the reward you receive. All information is accurate as at June 2026 — always verify with Trust Bank directly.