Trust Bank referral code (valid till 31 Oct 2026): 2GG9T8K3

Full disclosure, this is my own code. Here's what you actually get and the bits people usually miss:

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What the referral gets you

• Credit card: a guaranteed cashback scratch card, credited to your Trust card account. No minimum spend to unlock it.
• Savings account: a separate scratch card, S$8 to S$1,888, credited to the account.
• Freedom card in Miles mode (sign up 21 Sep to 31 Oct): up to 100,000 Max Miles if you spend S$1k / S$5k / S$15k within 31 days of approval (20k / 50k / 100k miles). Miles go through HeyMax and need to be redeemed by 31 Dec 2026.

Things that trip people up

1. The code must be keyed in at the "Get Started" screen. You can't add it after setting up the account.
2. Only for people new to Trust. If you had an account before, even one you closed, you're not eligible.
3. For the miles bonus, update the app first and pick Miles mode during Freedom card onboarding.
4. Excluded spend: education, utilities, insurance, government payments, GrabPay top-ups and a few MCCs (7299/7399/8999), so don't count on bills to hit the tiers.
5. Scratch cards show up under Rewards > Quests, usually within a day.

Is the card worth keeping after the bonus?

No annual fee, no FX fee, free overseas ATM withdrawals, and you choose a reward mode each quarter (1.5% local cashback, 3% Stockback, or a category bonus). The savings account has no minimum balance and is SDIC-insured up to S$100k. For a no-fee travel or everyday card, it's a decent one to hold.

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Check the official terms at trustbank.sg/refer-and-earn before applying. I keep a step-by-step guide with screenshots here if it helps: https://dlcuration.com/trust-bank-referral-code...