Honest Take: Is the Trust Freedom Card Sign-Up Worth It Before 31 Oct? (Plus Who Should Skip It) Code 2GG9T8K3

I'm sharing a referral code, so you should know I'm biased toward people signing up. That's exactly why I'd rather tell you who shouldn't.

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It's worth considering if:

1. You'd be happy to hold a no-annual-fee card with no FX fee anyway.
2. You pay your balance in full every month.
3. You meet the S$30,000 income requirement (S$60,000 for foreigners), and you've never held a Trust credit card.
4. You'd like a small or large bonus for something you'd do anyway, and you understand the amount is random.

Skip it if:

1. You find yourself spending more when you have a card. A scratch card isn't worth a debt.
2. You can't pay in full monthly. Interest on unpaid balances is high.
3. You're chasing the S$8,000 figure. Allocation is random and Trust doesn't promise any tier.
4. You've held a Trust credit card before. The offers are for new customers, and the miles offer excludes anyone who has ever held a Trust credit card, including cancelled ones.
5. You'd need to buy things just to hit a miles tier.

Things that can disappoint

1. If you pick Stockback, your gift arrives as stock value, which moves with the market.
2. The 3% Stockback rate is promotional until 31 Dec 2026, then drops to 2% on local spend and 0.5% on foreign from 1 Jan 2027.
3. Scratch cards expire 60 days after issue.

The upside, honestly: the Freedom Card is a flexible card, with Stockback, unlimited cashback, bonus cashback or miles chosen each quarter, and the sign-up reward means you get something up front.

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If it fits you and you want to use my code, it's 2GG9T8K3, entered on the first screen of the app. The full offer summary and eligibility notes are on the offer summary and eligibility notes. Disclosure: that's my referral page, and I get a small referral benefit if you sign up with it. It doesn't change your reward. This isn't financial advice, and the 31 Oct deadline is no reason to rush into a decision.