| Card | Top rates | Min spend | Cap | Annual fee |
|---|---|---|---|---|
| Trust Freedom credit card (formerly Trust Cashback Card) | 0.5% Foreign-currency spend | none | no overall cap | none |
Trust Freedom credit card (formerly Trust Cashback Card)
In its Unlimited Cashback mode, a flat 1.5% on local spend with no minimum, no cap and no annual fee; cashback is credited instantly.
These are the rates of the Unlimited Cashback mode: 1.5% on local spend and 0.5% on foreign spend. The card can be switched each quarter to a Bonus Cashback mode — up to 15% on one category you choose, capped at S$250 a quarter, with 1% on other local spend — but its spend tiers are published only as an image in the key facts sheet, so we don't count that mode.
| Category | Cash back | Cap | Min spend |
|---|---|---|---|
| Foreign-currency spend | 0.5% | none | none |
| Everything else eligible | 1.5% | none | none |
- Minimum spend: none. No minimum spend in Unlimited Cashback mode
- Cap: no overall cap. No cap in Unlimited Cashback mode
- Annual fee: none. No annual fee
- Card: Visa credit card
What doesn't earn cash back
- cash advances, instant loans and balance transfers
- AXS, SAM and ATM transactions
- insurance premiums, utilities, rent, education, charities and government services
- top-ups of any account, fees and interest
Sources: Trust Freedom credit card; Trust Freedom cashback modes; Trust Freedom key facts sheet (updated 21 September 2026); Trust Freedom product terms (updated 21 September 2026). Checked 13 October 2026.
Questions and answers
What is the minimum spend on the Trust Freedom credit card (formerly Trust Cashback Card)?
There is no minimum monthly spend: the Trust Freedom credit card (formerly Trust Cashback Card) pays its rates from the first dollar of eligible spend. No minimum spend in Unlimited Cashback mode.
What is the cash back cap on the Trust Freedom credit card (formerly Trust Cashback Card)?
There is no overall monthly cap. No cap in Unlimited Cashback mode.
Is there an annual fee on the Trust Freedom credit card (formerly Trust Cashback Card)?
No.
Best cards by category
- Best cashback credit cards for dining in Singapore
- Best cashback credit cards for groceries in Singapore
- Best cashback credit cards for online shopping in Singapore
- Best cashback credit cards for transport in Singapore
- Best cashback credit cards for petrol in Singapore
Other banks
- DBS / POSB cashback cards
- OCBC cashback cards
- UOB cashback cards
- Citi cashback cards
- HSBC cashback cards
- Standard Chartered cashback cards
- American Express cashback cards
- CIMB cashback cards
Checked against the banks' own pages and terms on 13 October 2026. Banks change rates, caps and exclusions at short notice — the card's terms on the bank's site are what counts. Tratobor takes no money from banks and has no referral links; this is reference information, not financial advice.