Trust Referral Code 2GG9T8K3: Spend Plan to Hit 100K Max Miles in 31 Days

100,000 Max Miles needs S$15,000 of eligible spend inside roughly a month. That is the part most Trust Bank sign up code posts skim past, so here is how the tiers, the maths and the exclusions actually fit together.

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👉 Referral code 2GG9T8K3. Enter it at the Get Started screen the first time you open the Trust app. It can't be added once your account exists.

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The Miles offer, in tiers

You apply for the Freedom card and pick Miles as your reward during onboarding, with approval between 21 Sep and 31 Oct 2026. The bonus is paid as three scratch cards in Rewards → Quests, and the tiers are cumulative:

1. S$1,000 spend → 20,000 Max Miles
2. S$5,000 total spend → 50,000 Max Miles in total (30,000 more)
3. S$15,000 total spend → 100,000 Max Miles in total (50,000 more)

Spend has to post within 31 days of approval or by 30 Nov 2026, whichever comes first. You redeem each code in the HeyMax app (Profile → Redeem a Code) by 31 Dec 2026.

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What each tier is worth

These are my own numbers, using the 1.8 cents per mile HeyMax FlyAnywhere cash-out rate that the offer is usually valued at:

• First S$1,000 → 20,000 miles, about S$360, so roughly 36% of the spend
• Next S$4,000 → 30,000 miles, about S$540, so roughly 13.5%
• Last S$10,000 → 50,000 miles, about S$900, so roughly 9%

The base earn of 1.3 Trust Miles per S$1 comes on top of that. So the first S$1,000 is the strong part. The last S$10,000 only makes sense if it is spending you were going to do anyway.

What won't count towards your tiers

• Education, utilities, insurance and government services
• GrabPay top-ups and charity donations
• Merchants coded MCC 7299, 7399 or 8999. CardUp codes as 7399, so don't plan on paying tax or rent through it

MileLion's review adds that spend is tracked by posting date, not the date you swiped, so anything you buy in the last couple of days of the window may not post in time. Leave yourself a buffer.

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Steps

1. Update the Trust app first. On an old version the Miles option may not appear.
2. Enter 2GG9T8K3 at Get Started before doing anything else.
3. Apply for the Freedom card and select Miles at onboarding. Picking another reward first means you don't get the miles offer.
4. Note your approval date and count 31 days from it.
5. Reveal each scratch card in Rewards → Quests as the tiers are validated, then redeem the code in HeyMax.

I double-checked the tiers and the exclusion list against DLCuration's Trust referral page, which is where the code comes from too: https://dlcuration.com/trust-bank-referral-code...

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Where this goes wrong

• ⚠️ Chasing S$15,000 you weren't going to spend. Trust's card interest is a personalised 18.9% to 29.9% p.a. on a balance you carry, which wipes out the miles value.
• Redeeming late. Codes not redeemed by 31 Dec 2026 expire.
• Assuming you can stack this with the cashback scratch card on the same card. The sign-up gift follows the reward you choose, so treat Miles and cashback as a choice.
• Not being new enough. You must be new to Trust, and the page says the Miles applicant must never have held a principal Trust credit card.

Honest caveat

Minimum income is S$30,000 for Singaporeans and PRs. Trust is a MAS-licensed digital bank and Singapore dollar deposits are SDIC-insured up to S$100,000, but a credit card is credit, not a deposit. If S$15,000 in a month isn't realistic for you, the first tier alone is still a decent return.

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Just notes from reading the terms, not financial advice.