Use Trust Bank Credit Card referral code 4JHCWD35 when applying for the Trust Cashback Credit Card to receive a FREE sure-win scratch card — guaranteed cashback of $5 to $1,000. New users only. Trust Bank T&Cs apply.
Trust Bank Credit Card Referral Code Summary (May 2026)
| Item | Details |
|---|---|
| Trust Credit Card Referral Code | 4JHCWD35 |
| Trust Credit Card Promo Code | 4JHCWD35 |
| Sign-Up Reward | FREE sure-win scratch card — $5 to $1,000 cashback |
| Referral Reward | Additional scratch card per successful friend referral |
| Annual Fee | None |
| Who Can Use | New Trust Bank users only |
| Valid For | Singapore |
| Last Updated | May 2026 |
👉 Also check out our full Trust Bank Referral Code guide for savings account interest rates, debit card perks, and all the latest Trust Bank promotions.
How to Use the Trust Bank Credit Card Referral Code
- Download the Trust app — available on App Store and Google Play.
- Tap “Apply” on the Cashback Credit Card from the Trust app home screen.
- Enter referral code 4JHCWD35 under “Use Referral Code” at the start of your application.
- Complete your application — verify identity via Singpass for fastest approval.
- Receive your scratch card in the Trust app under Rewards → Coupons → Saved/Awarded.
- Scratch and win — every card is a guaranteed win of $5 to $1,000 cashback.
💡 Tip: Apply for both the Trust Cashback Credit Card and Savings Account at the same time — you only need to sign up once and get both products set up in a single session.
Trust Cashback Credit Card: Full Benefits Breakdown
Up to 15% Cashback on Your Preferred Category
The flagship feature of the Trust Cashback Card is its 15% bonus cashback on a preferred spending category of your choice. You can change your preferred category every quarter. Options include:
- Dining
- Shopping
- Travel
- Wellness
- Transport
- Groceries
The 15% cashback on your preferred category is capped at S$250 per quarter.
Unlimited 1% Instant Cashback on All Other Spend
On top of your preferred category bonus, you earn 1% unlimited instant cashback on all local eligible spend and 0.5% on all foreign eligible spend — with no cap. Cashback hits your account the moment you make a purchase, visible in real-time in the Trust app.
Up to 20% Off at Exclusive Partner Merchants
Trust Cashback Card holders enjoy extra discounts at exclusive partner merchants, stackable on top of your regular cashback:
- Caltex — up to 20% off petrol
- Zig by ComfortDelGro — ride discounts
- Agoda — hotel and travel savings
- KFC — food discounts
- Deliveroo — delivery savings
Zero Foreign Transaction Fees
The Trust Cashback Card charges no foreign transaction fees and no exchange rate markups on overseas spend. This makes it one of the best cards for travel and online purchases in foreign currencies.
No Annual Fee
The Trust Cashback Credit Card has no annual fee — ever. No first-year waiver gimmicks, no minimum spend requirement to waive the fee. It’s free to hold permanently.
Real-Time Cashback Tracking
The Trust app updates your cashback balance the moment a transaction is made. You can track your progress towards the 15% bonus tier in real-time, so you always know exactly where you stand.
How to Maximise the Trust Cashback Credit Card
1. Hit the Quarterly Spend Tiers
To unlock the full 15% on your preferred category, you need to hit minimum spend thresholds of S$500 and S$2,000 per month over 3 consecutive months in a quarter. Plan your big-ticket purchases (groceries, dining, travel) around your preferred category each quarter.
2. Change Your Preferred Category Strategically
You can switch your preferred category once every quarter. If you know a travel season is coming up, switch to Travel before the quarter starts. Going on a dining spree? Switch to Dining. Timing your category changes to your actual spending habits maximises your cashback earned.
3. Stack with Exclusive Partner Discounts
The partner discounts (Caltex, Zig, Agoda, KFC, Deliveroo) are stackable on top of your 1% base cashback. Use your Trust Cashback Card at these merchants for the best combined savings rate.
4. Pair with the Trust Savings Account
Holding both the Trust Cashback Card and the Trust Bank Savings Account unlocks additional benefits including up to 2.40% p.a. interest on your savings. It also simplifies your banking — one app, one login, everything in one place.
5. Refer Friends for More Scratch Cards
After signing up, find your personal referral code in the Trust app under “Refer and Earn”. Share it with friends — each successful referral earns you another scratch card for another shot at $1,000 cashback.
Trust Cashback Card vs Other Singapore Cashback Cards
| Feature | Trust Cashback Card |
|---|---|
| Max Cashback Rate | Up to 15% (preferred category) |
| Base Cashback | 1% unlimited on all local spend |
| Foreign Transaction Fee | None |
| Annual Fee | None |
| Preferred Category | Changeable quarterly |
| Real-Time Tracking | Yes — via Trust app |
| Partner Discounts | Up to 20% at Caltex, Zig, Agoda, KFC, Deliveroo |
| Instant Digital Card | Yes — use immediately on approval |
Frequently Asked Questions
What is the Trust Bank Credit Card referral code?
The Trust Bank Credit Card referral code is 4JHCWD35. Enter it during sign-up on the Trust app to receive a FREE sure-win scratch card with guaranteed cashback of $5 to $1,000.
How do I apply for the Trust Cashback Credit Card?
Download the Trust app, tap Apply on the Cashback Credit Card, enter referral code 4JHCWD35, and complete your application via Singpass. You’ll receive an instant digital card on approval.
What is the cashback rate for the Trust Credit Card?
The Trust Cashback Card offers up to 15% cashback on your preferred spending category (capped at S$250/quarter) and unlimited 1% instant cashback on all other local eligible spend.
Does the Trust Credit Card have an annual fee?
No. The Trust Cashback Credit Card has no annual fee — permanently, not just for the first year.
Can I use the Trust Credit Card overseas?
Yes. The Trust Cashback Card charges zero foreign transaction fees and no exchange rate markups on overseas spend, making it one of the best cards for travel in Singapore.
How often can I change my preferred cashback category?
You can change your preferred cashback category once every quarter on the Trust Cashback Card.
Is the Trust Credit Card referral code the same as the savings account code?
Yes. Referral code 4JHCWD35 works for both the Trust Cashback Credit Card and the Trust Savings Account sign-up. See our full Trust Bank Referral Code guide for savings account details.
What is the minimum spend to earn 15% cashback on Trust Card?
To earn the full 15% bonus cashback on your preferred category, you need to spend a minimum of S$500 and S$2,000 per month over 3 consecutive months in a quarter.