{"id":77865,"date":"2026-02-02T17:51:04","date_gmt":"2026-02-02T09:51:04","guid":{"rendered":"https:\/\/www.you.co\/sg\/?p=77865"},"modified":"2026-08-24T19:57:44","modified_gmt":"2026-08-24T11:57:44","slug":"trust-bank-singapore-guide","status":"publish","type":"post","link":"https:\/\/www.you.co\/sg\/blog\/trust-bank-singapore-guide\/","title":{"rendered":"Trust Card Review 2026: Freedom Card, Stockback &amp; Fees"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>If you&#8217;ve been shopping at FairPrice or comparing digital banks in Singapore, you&#8217;ve probably come across Trust Bank.<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Launched in 2022 as a joint venture between Standard Chartered Bank and FairPrice Group, Trust built its following on no-annual-fee cards and everyday cashback.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">That card just changed. On 13 August 2026, Trust renamed the Trust Cashback Card the <strong>Trust Freedom Card<\/strong> and rebuilt how it pays you. Instead of earning cashback by default, you now choose one of three reward modes each quarter, one of which pays you in US shares rather than cash.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">This guide covers what the Freedom Card actually gives you, and how the Link card and debit card sitting alongside it differ. It also runs through Trust&#8217;s interest rates and fees, who qualifies, and where a Trust card helps or hurts when you spend overseas.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc9c <strong>Stay Up To Date:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/how-to-make-the-best-use-of-your-touch-n-go-ewallet-in-malaysia\/\">Touch &#8216;n Go Guide In Malaysia: Everything You Need To Know (2026)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/sapa-vietnam-travel-guide\/\">Sapa Vietnam Travel Guide (2026): Weather, Hanoi to Sapa, Best Things To Do<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.you.co\/sg\/blog\/breakfast-in-jb\/\">Best Breakfast in JB (2026): 28 Must-Try Spots For Every Craving<\/a><\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>August 2026 Update<\/strong>: The Trust Cashback Card is now the Trust Freedom Card. Same card in your wallet, new rewards menu. Local unlimited cashback rose from 1% to up to 1.5%, and a third mode called Stockback pays 3% on both local and overseas spend until 31 December 2026. <\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"trust-bank-tldr\" class=\"wp-block-heading\"><strong>TL;DR &#8211; Quick Takeaways<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Trust Bank is a digital bank formed by Standard Chartered and FairPrice Group, launched in 2022.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The Trust Cashback Card became the Trust Freedom Card on 13 August 2026.<\/strong> You now pick one of three reward modes per quarter. Switching is free at the start of the next one.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Unlimited cashback<\/strong>: up to 1.5% on local eligible spend, 0.5% on foreign, no minimum spend and no cap.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bonus cashback<\/strong>: up to 15% on one chosen category, capped at S$250 a quarter, plus up to 1% on everything else local and 0.5% foreign.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Stockback<\/strong>: 3% on both local and foreign eligible spend until 31 December 2026, capped at S$500 a quarter. It pays in fractional US shares, not cash. From 1 January 2027 it drops to 2% local and 0.5% foreign.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No annual fee on either Trust credit card. Trust charges no foreign transaction fee and converts at the Visa rate.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Trust savings: up to 2.40% p.a. on the first S$1.2 million, conditions apply.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Overseas cash is the weak spot.<\/strong> An ATM withdrawal on the Trust credit card is a cash advance with an 8% fee. YouTrip remains the better card for spending and withdrawing abroad.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"trust-toc\" class=\"wp-block-heading\"><strong>\ud83d\udccc Table of Contents:<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#what-is-trust-bank-singapore\"><strong>What Is Trust Bank Singapore?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-credit-card-benefits-features\"><strong>Trust Card Benefits: What Each Card Gives You<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-cashback-card\"><strong>Trust Freedom Card: Review &amp; Key Details<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-bank-updates\"><strong>What Changed on 13 August 2026<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-cashback-structure\"><strong>The Three Reward Modes<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-stockback\"><strong>What Is Stockback?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-bonus-structure\"><strong>Bonus Cashback: How the 15% Actually Works<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-cashback-exclusions\"><strong>Trust Freedom Card Exclusions<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-cashback-card-verdict\"><strong>Trust Freedom Card Verdict<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-credit-or-debit\"><strong>Is Trust Card a Credit Card or a Debit Card?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-bank-interest-rates-credit-card-fees\"><strong>Trust Bank Interest Rates &amp; Credit Card Fees<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#savings-account-interest-rate\"><strong>Savings Account Interest Rate<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-credit-card-interest-rate\"><strong>Trust Credit Card Interest Rate<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-credit-card-annual-fees\"><strong>Trust Credit Card Fees at a Glance<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-card-eligibility-requirements\"><strong>Trust Card Eligibility &amp; Requirements<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#overseas-spending-trust-vs-youtrip\"><strong>Using Your Trust Card Overseas<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-fx-conversion\"><strong>How Trust Converts Your Foreign Spend<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-overseas-atm\"><strong>Withdrawing Cash Overseas<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-youtrip-overseas-table\"><strong>The Overseas Numbers, Side by Side<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#which-card-should-you-choose\"><strong>Which Trust Card Should You Get?<\/strong><\/a><\/li>\n\n\n\n<li><a href=\"#trust-bank-faq\"><strong>FAQs<\/strong><\/a><\/li>\n<\/ol>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"what-is-trust-bank-singapore\" class=\"wp-block-heading\"><strong>What Is Trust Bank Singapore?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"750\" height=\"758\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/08\/image-111.png\" alt=\"Hand holding a phone showing the Trust Bank app home screen with savings, credit card and investments balances\" class=\"wp-image-77869\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/08\/image-111.png 750w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2025\/08\/image-111-297x300.png 297w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><em>Image Credits: Trust Bank<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trust Bank is a digital-first bank in Singapore, launched in 2022 as a joint venture between Standard Chartered Bank and FairPrice Group. Standard Chartered holds the majority stake.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">It runs out of the app rather than a branch network. You open an account, manage your cards and pick your rewards entirely in the Trust app, and the whole thing is wired into the FairPrice ecosystem through Linkpoints.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">It has grown fast. Trust reached one million customers in February 2025, which made it Singapore&#8217;s fourth-largest retail bank by customer numbers less than three years after launch.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Check out this guide to <a href=\"https:\/\/www.you.co\/sg\/blog\/revolut-singapore\/\"><strong>Revolut Singapore: The Ultimate Guide To The Revolut Card, Account &amp; Fees<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"trust-credit-card-benefits-features\" class=\"wp-block-heading\"><strong>Trust Card Benefits: What Each Card Gives You<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trust lists two credit cards and issues a debit card with every savings account. They do different jobs, and people often mix them up.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Card<\/strong><\/th><th><strong>What it&#8217;s for<\/strong><\/th><th><strong>Headline rewards<\/strong><\/th><th><strong>Annual fee<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Trust Freedom Credit Card<\/strong><\/td><td>Everyday spending, your main rewards card<\/td><td>Pick one per quarter: up to 1.5% unlimited cashback, up to 15% bonus cashback, or 3% Stockback<\/td><td>None<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Trust Link Credit Card<\/strong><\/td><td>NTUC members and heavy FairPrice shoppers<\/td><td>Up to 21% savings in Linkpoints at FairPrice Group, up to 20% at Caltex<\/td><td>None<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Trust debit card<\/strong><\/td><td>Comes free with the savings account<\/td><td>0.22% Linkpoints on local eligible spend, 0.05% on foreign, both uncapped<\/td><td>None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">A few things worth knowing before you choose.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>Freedom Card<\/strong> is the one that changed in August 2026, and it&#8217;s the card most people mean when they say &#8220;Trust card&#8221;. It&#8217;s a Visa credit card with no annual fee.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>Link Card<\/strong> pays in Linkpoints rather than cash, and Trust pitches it at NTUC Union Members. If your grocery run is FairPrice and you fill up at Caltex, it&#8217;s the better fit.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>debit card<\/strong> draws straight from your savings account, so there&#8217;s no credit check and no interest to worry about. The trade-off is that the rewards are a rounding error next to the Freedom Card&#8217;s.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Both credit cards carry no foreign transaction fee.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Discover the <a href=\"https:\/\/www.you.co\/sg\/blog\/best-miles-credit-cards-in-singapore\/\"><strong>Best Miles Credit Card in Singapore: The Ultimate Guide<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"trust-cashback-card\" class=\"wp-block-heading\"><strong>Trust Freedom Card: Review &amp; Key Details<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The Trust Freedom Card is Trust&#8217;s flagship rewards card and, until August 2026, it was called the Trust Cashback Card.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"trust-bank-updates\" class=\"wp-block-heading\"><strong>What Changed on 13 August 2026<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. New name.<\/strong> The Trust Cashback Card is now the Trust Freedom Card. It&#8217;s the same account and the same card number, so nothing in your wallet stops working, and there&#8217;s nothing you need to do.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Rewards are now a choice, not a default.<\/strong> You select one of three modes at the start of each membership quarter. Switching is free and there&#8217;s no penalty, but a change only takes effect when the next quarter begins.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Local cashback went up.<\/strong> The unlimited rate on local eligible spend rose from 1% to up to 1.5%, with no minimum spend and no cap.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Stockback arrived.<\/strong> A third mode pays your rewards as fractional US shares instead of cash, at 3% on both local and foreign eligible spend until 31 December 2026.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. Miles are coming.<\/strong> Trust has said it will add miles as a fourth mode. No rates or dates have been published.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Everything Trust has changed in 2026:<\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Date<\/strong><\/th><th><strong>What changed<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">1 Feb 2026<\/td><td>Cash advances started costing 8% on any amount over S$5. They were free before this.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">1 Mar 2026<\/td><td>The S$1,000-a-month bonus tier was scrapped, and foreign cashback outside your bonus category fell from 1% to 0.5%.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">9 Apr 2026<\/td><td>The late payment charge was set at S$100, or S$200 if your statement includes a loan instalment.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">1 Jul 2026<\/td><td>The flat 27.9% p.a. interest rate was replaced by a personalised 18.9% to 29.9% p.a., reviewed every six months.<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">13 Aug 2026<\/td><td>The Cashback Card became the Freedom Card, with three selectable reward modes and local unlimited cashback up from 1% to up to 1.5%.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s five changes in seven months, three of which cost you money. Worth a look at your mode and your statement rather than assuming the card still works the way it did when you signed up.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"trust-cashback-structure\" class=\"wp-block-heading\"><strong>The Three Reward Modes<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">You run one mode at a time, and each pays differently:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Reward mode<\/strong><\/th><th><strong>Local eligible spend<\/strong><\/th><th><strong>Foreign eligible spend<\/strong><\/th><th><strong>Cap<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Unlimited cashback<\/strong><\/td><td>Up to 1.5%<\/td><td>0.5%<\/td><td>No cap, no minimum spend<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Bonus cashback<\/strong><\/td><td>Up to 15% on one chosen category, plus up to 1% on everything else<\/td><td>0.5%<\/td><td>S$250 per quarter on the bonus category<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Stockback<\/strong><\/td><td>3% until 31 Dec 2026, then 2% from 1 Jan 2027<\/td><td>3% until 31 Dec 2026, then 0.5% from 1 Jan 2027<\/td><td>S$500 per quarter<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The six bonus categories you can choose from are dining, shopping, travel, wellness, transport and entertainment.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Rewards are only awarded on eligible spend over S$1. And when Trust checks whether you&#8217;ve hit a spending tier, it counts by transaction date. What matters is the day you were charged, not the day it lands on your statement.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The catch is the one-mode rule. Optimise for your 15% local dining bonus and your overseas spend earns 0.5%. Switch to Stockback for a holiday quarter and you hand back the bonus category. There&#8217;s no way to run both.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"trust-stockback\" class=\"wp-block-heading\"><strong>What Is Stockback?<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Stockback pays your rewards as fractional shares in a US stock or ETF instead of cash.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">You pick one investment from a curated list of 50 US stocks and ETFs in the Trust app. Your stockback accumulates until it&#8217;s worth S$10, at which point Trust converts it to US dollars and buys the shares automatically. You can change your pick any time before the next purchase goes through, and Trust charges no commission when you sell.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Until 31 December 2026 it earns 3% on local and foreign eligible spend alike, capped at S$500 a quarter. That&#8217;s the highest rate on the card right now, and six times what the cashback modes pay on overseas spend.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Two things to weigh before you switch to it.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The first is that a share isn&#8217;t a discount. Cashback is worth what it says on the day it lands. Shares move after you earn them, up or down, and you can&#8217;t spend them on your next flight.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The second is the date. From 1 January 2027 the rate falls to 2% on local spend and 0.5% on foreign, which puts overseas Stockback back in line with the cashback modes. The 3% is a promotional rate with about four months left on it.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"trust-bonus-structure\" class=\"wp-block-heading\"><strong>Bonus Cashback: How the 15% Actually Works<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The 15% headline is real. The cap is what decides what you actually get.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Two rules govern this mode. You have to hit a spending tier for three consecutive months, and the bonus stops at <strong>S$250 per quarter<\/strong> on your chosen category. Everything past the cap reverts to the base rate of up to 1% on local spend and 0.5% on foreign.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f Trust&#8217;s own page says only &#8220;hit spending tiers&#8221; without publishing the amounts. The figures circulating in card blogs are S$500 a month for the 5% tier and S$2,000 a month for 15%. Those match the pre-rebrand structure, but Trust hasn&#8217;t confirmed them for the Freedom Card. Check the tier in your Trust app before you plan around it.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What the cap means in practice.<\/strong> The S$250 quarterly cap is the number that matters, because it&#8217;s the one Trust publishes and it holds whichever tier you&#8217;re on.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">At 15%, S$250 is everything you earn on the first S$1,667 of bonus-category spend in a quarter. Spend more than that in the category and the extra earns up to 1%, not 15%.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">So a quarter with S$6,000 of bonus-category spend works out like this:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S$1,667 at 15% = S$250, cap reached<\/li>\n\n\n\n<li>S$4,333 at up to 1% = S$43.33<\/li>\n\n\n\n<li><strong>Total: S$293.33 on S$6,000<\/strong>, or roughly 4.9%<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Still a strong return, and better than the old structure, because spend beyond the cap keeps earning instead of dropping to nothing. But 4.9% is the honest number, not 15%.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u26a0\ufe0f <strong>Note<\/strong>: If a chunk of that spend is foreign, it earns 0.5% rather than 1%, which pulls the effective rate down further.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"trust-cashback-exclusions\" class=\"wp-block-heading\"><strong>Trust Freedom Card Exclusions<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Like most cashback cards, some spend earns nothing:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insurance payments<\/li>\n\n\n\n<li>AXS, SAM and ATM transactions<\/li>\n\n\n\n<li>Loan instalments<\/li>\n\n\n\n<li>Late fees and interest charges<\/li>\n<\/ul>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"trust-cashback-card-verdict\" class=\"wp-block-heading\"><strong>Trust Freedom Card Verdict<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The rebrand made this card better for local spending. Up to 1.5% uncapped with no minimum spend is a genuinely competitive everyday rate, and the 15% bonus still works if your spending is concentrated and predictable.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Overseas is where it stays middling. Outside the Stockback promo, foreign spend earns 0.5%, and the promo expires at the end of 2026.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Best for:<\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Everyday local spending, especially on the unlimited 1.5% mode<\/li>\n\n\n\n<li>Concentrated spenders who can keep one category topped up for three months straight and want the 15% bonus<\/li>\n\n\n\n<li>Anyone comfortable taking rewards as US shares while the 3% Stockback rate lasts<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u274c <strong>Less ideal for:<\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Frequent travellers, where 0.5% on foreign spend is the default once the promo ends<\/li>\n\n\n\n<li>Anyone withdrawing cash overseas, which is treated as a cash advance<\/li>\n\n\n\n<li>People who&#8217;d rather not think about reward modes every quarter<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udfe3 <strong>If you travel often<\/strong>, pair it with something built for overseas spend. YouTrip gives you wholesale exchange rates, meaning the rate the banks trade at rather than a marked-up retail one. No fees, no categories, and no quarterly decisions to make.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc There&#8217;s a sign-up offer running until 31 October 2026. New Freedom cardholders get a sure-win scratch card, paid as either cashback or a stock gift depending on the mode you pick.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"trust-credit-or-debit\" class=\"wp-block-heading\"><strong>Is Trust Card a Credit Card or a Debit Card?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Both. Trust issues credit cards and a debit card, and the word &#8220;Trust card&#8221; gets used for all of them.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Trust Freedom Card and Trust Link Card are credit cards.<\/strong> You&#8217;re borrowing, you get a statement, and unpaid balances accrue interest.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Trust debit card comes with the savings account.<\/strong> It pulls money you already have, so there&#8217;s no credit check, no statement and no interest. You get one automatically when you open an account, and the age bar is lower than the credit cards&#8217; 21.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Which you want depends on what you&#8217;re after. The credit cards carry the real rewards. The debit card is the low-friction option if you don&#8217;t want a credit line or don&#8217;t yet qualify for one.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"trust-bank-interest-rates-credit-card-fees\" class=\"wp-block-heading\"><strong>Trust Bank Interest Rates &amp; Credit Card Fees<\/strong><\/h2>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"savings-account-interest-rate\" class=\"wp-block-heading\"><strong>Savings Account Interest Rate<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trust offers three savings plans, and the headline rate belongs to only one of them:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Flex Plan<\/strong>: up to 2.40% p.a. on the first S$1.2 million. You build it from a base rate of 0.05% p.a. plus up to three bonus categories you select yourself.<\/li>\n\n\n\n<li><strong>Signature Plan<\/strong>: up to 1.00% p.a., with bonus interest tied to salary credit, card spend and your average balance.<\/li>\n\n\n\n<li><strong>Zen Plan<\/strong>: a flat 0.40% p.a. with no conditions to meet.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Balances above S$1.2 million earn 0.05% p.a.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Compare it against the rest of the market in our guide to the <a href=\"https:\/\/www.you.co\/sg\/blog\/best-savings-accounts-singapore\/\"><strong>Best Savings Accounts in Singapore<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"trust-credit-card-interest-rate\" class=\"wp-block-heading\"><strong>Trust Credit Card Interest Rate<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trust moved off a flat rate in mid-2026.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Transactions posted up to 30 June 2026 carried an effective interest rate of 27.9% p.a. From 1 July 2026, Trust assigns you a <strong>personalised rate between 18.9% and 29.9% p.a.<\/strong>, reviewed every six months.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Interest is calculated daily from the date a transaction posts. Pay your statement in full each month and none of it applies.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"trust-credit-card-annual-fees\" class=\"wp-block-heading\"><strong>Trust Credit Card Fees at a Glance<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Fee<\/strong><\/th><th><strong>What Trust charges<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Annual fee<\/td><td>None, for main and supplementary cardholders<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Foreign transaction fee<\/td><td>None. Converted at the rate provided by Visa<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Cash advance<\/td><td>8% on any amount drawn over S$5, with interest from the posting date<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Late payment<\/td><td>S$100, or S$200 if your statement includes a loan instalment<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">Minimum payment<\/td><td>The greater of S$50 or 1% of principal, plus fees and interest<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The cash advance line is the one that catches travellers. Withdrawing cash at an overseas ATM on the credit card is a cash advance, so you pay 8% and interest starts running immediately.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"trust-card-eligibility-requirements\" class=\"wp-block-heading\"><strong>Trust Card Eligibility &amp; Requirements<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Trust debit card<\/strong> (comes with the savings account):<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The debit card arrives automatically when you open a Trust savings account, so there&#8217;s no separate application and no income requirement. Trust doesn&#8217;t publish the age and residency criteria on a page we can quote, and third-party write-ups disagree on the minimum age. Check the current requirement in the Trust app before you apply.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Trust credit cards<\/strong> (minimum annual income):<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"text-decoration: underline\">Aged 21 to 55: <\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 Singapore citizens and PRs: S$30,000 <\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 Foreigners with a valid work pass: S$60,000<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"text-decoration: underline\">Aged 56 and above: <\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 Singapore citizens and PRs: S$15,000<\/li>\n\n\n\n<li> \u2705 Foreigners with a valid work pass: S$60,000<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Singaporeans and PRs can apply through Myinfo in a few minutes. Foreigners need to upload income documents and a passport copy.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcd6 Find a <a href=\"https:\/\/www.you.co\/sg\/blog\/best-place-to-exchange-money-in-singapore\/\"><strong>Money Changer Near Me: 14 Best Money Changers In Singapore<\/strong><\/a><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"overseas-spending-trust-vs-youtrip\" class=\"wp-block-heading\"><strong>Using Your Trust Card Overseas<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trust charges no foreign transaction fee, which is the headline most people remember. The detail underneath is worth reading.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"trust-fx-conversion\" class=\"wp-block-heading\"><strong>How Trust Converts Your Foreign Spend<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trust&#8217;s own terms describe foreign spend as being converted &#8220;from US dollars into Singapore dollars at the foreign exchange rate provided by Visa with no fee from Trust.&#8221;<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">So a purchase in yen or baht routes through US dollars before it reaches your statement. Trust adds nothing on top. You&#8217;re just taking whatever Visa&#8217;s rate gives you on the day, with no way to fix it in advance.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>You have to dodge dynamic currency conversion yourself.<\/strong> DCC is when an overseas terminal offers to bill you in Singapore dollars rather than the local currency. The rate is usually worse.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Neither Trust nor YouTrip blocks it. Trust&#8217;s terms are explicit that if a merchant uses DCC, the rate comes from the DCC provider &#8220;and not by us&#8221;. The fix is the same on any card: always choose to pay in the local currency.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"trust-overseas-atm\" class=\"wp-block-heading\"><strong>Withdrawing Cash Overseas<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Cash is the expensive part. An overseas ATM withdrawal on a Trust credit card is a cash advance, which means the 8% fee plus interest from the posting date.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trust&#8217;s debit card is the better route if you&#8217;re set on using Trust for cash. You turn the function on in the app, and Trust charges nothing, though the ATM operator may charge its own fee.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"trust-youtrip-overseas-table\" class=\"wp-block-heading\"><strong>The Overseas Numbers, Side by Side<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">YouTrip is a multi-currency wallet and prepaid Mastercard built for travellers. It works in over 150 countries with zero foreign transaction fees, and lets you hold and lock in rates across 12 currencies.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2021\/07\/01.png\" alt=\"YouTrip card and app exchanging SGD to JPY, resting on a suitcase beside a boarding pass and a coffee cup\" class=\"wp-image-69363\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2021\/07\/01.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2021\/07\/01-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2021\/07\/01-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s how the two line up abroad:<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\"><strong>Feature<\/strong><\/th><th><strong>YouTrip<\/strong><\/th><th><strong>Trust card<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Card type<\/strong><\/td><td>Prepaid Mastercard, multi-currency wallet<\/td><td>Visa credit card, plus a separate debit card<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Annual fee<\/strong><\/td><td>None<\/td><td>None<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>FX fees<\/strong><\/td><td>Zero FX fees across 150+ countries<\/td><td>No fee from Trust, converted at the Visa rate<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Currencies you can hold and lock in<\/strong><\/td><td>\u2705 12 wallet currencies: SGD, MYR, JPY, THB, USD, EUR, AUD, NZD, GBP, HKD, CHF, SEK<\/td><td>\u274c Not supported<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Exchange rates<\/strong><\/td><td>Real-time wholesale rates<\/td><td>Visa rates, routed via US dollars<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Dynamic currency conversion<\/strong><\/td><td>Choose local currency at the terminal<\/td><td>Choose local currency at the terminal<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Overseas ATM withdrawals<\/strong><\/td><td>First S$400 per month free, 2% after<\/td><td>Credit card: 8% cash advance fee. Debit card: no Trust fee, operator fees may apply<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Rewards overseas<\/strong><\/td><td>YouTrip Perks partner offers and overseas deals <\/td><td>0.5% cashback, or 3% Stockback until 31 Dec 2026<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Send money overseas<\/strong><\/td><td>\u2705 Remittance to 40+ countries<\/td><td>\u274c Not available<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u2696\ufe0f <strong>The honest read.<\/strong> While the Stockback promo runs, Trust pays more on overseas spend than most cards in Singapore. That&#8217;s worth saying plainly.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The conditions are the catch. You&#8217;re paid in shares rather than cash, and you give up your local bonus category to get it. The rate reverts to 0.5% on 1 January 2027.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">YouTrip&#8217;s advantage isn&#8217;t a promotional rate. You lock in wholesale rates yourself across 12 currencies and pay nothing on top, every quarter, with no mode to choose.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A simple split that works:<\/strong><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Trust for local spending<\/strong> \u2192 up to 1.5% unlimited, or the 15% bonus on your biggest category<\/li>\n\n\n\n<li><strong>YouTrip for overseas<\/strong> \u2192 wholesale rates, zero fees, and the first S$400 a month at overseas ATMs free<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Read <a href=\"https:\/\/www.you.co\/sg\/blog\/trust-card-vs-youtrip\/\"><strong>Trust Card Vs YouTrip<\/strong><\/a> for the full head-to-head comparison<\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Weighing up the other digital banks? See <a href=\"https:\/\/www.you.co\/sg\/blog\/gxs-bank-vs-trust-bank-comparison\/\"><strong>GXS Bank Vs Trust Bank Singapore<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 id=\"how-to-use-youtrip\" class=\"wp-block-heading\"><strong>How to Use YouTrip Overseas<\/strong><\/h3>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Top up your wallet in SGD using PayNow, a linked bank account, or a credit or debit card.<\/li>\n\n\n\n<li>Lock in rates in the app before you travel, across 12 supported currencies.<\/li>\n\n\n\n<li>Spend on the YouTrip Mastercard abroad. It draws from the matching currency wallet, or converts SGD at wholesale rates.<\/li>\n\n\n\n<li>Withdraw cash overseas, with the first S$400 a month free and 2% after that.<\/li>\n\n\n\n<li>Always choose the local currency at the terminal so you don&#8217;t get hit by DCC.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Find out what&#8217;s up with the <a href=\"https:\/\/www.you.co\/sg\/blog\/from-sgd-to-myr\/\"><strong>SGD To MYR Rate Today<\/strong><\/a>: Best Exchange Rates, Forecast &amp; Where to Change Money<\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"which-card-should-you-choose\" class=\"wp-block-heading\"><strong>Which Trust Card Should You Get?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Get the Trust Freedom Card if<\/strong> you want one rewards card for everyday spending. Run it on unlimited cashback for up to 1.5% with nothing to track, or on bonus cashback if your spending reliably concentrates in one category. Take Stockback if you&#8217;re happy holding US shares and want to make the most of the 3% before it drops in January 2027.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Get the Trust Link Card if<\/strong> you&#8217;re an NTUC member and your spending clusters at FairPrice, Unity, Warehouse Club and Caltex. Linkpoints beat cashback there.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Get the Trust debit card if<\/strong> you&#8217;d rather not carry a credit line, or you don&#8217;t meet the credit cards&#8217; income and age requirements yet.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Use YouTrip for anything overseas.<\/strong> Lock in wholesale rates across 12 currencies before you fly and pay nothing in FX fees. Your first S$400 a month at overseas ATMs is free.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83e\udde0 <strong>Best strategy<\/strong>: run a Trust card for local spending and YouTrip for travel. <\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Read all about the <a href=\"https:\/\/www.you.co\/sg\/blog\/best-multi-currency-cards-singapore\/\"><strong>Best Multi-Currency Cards In Singapore: A Full Comparison Guide<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 id=\"trust-bank-faq\" class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1787563248796\"><strong class=\"schema-faq-question\">Q: <strong>What happened to the Trust Cashback Card?<\/strong> <\/strong> <p class=\"schema-faq-answer\">It was renamed the Trust Freedom Card on 13 August 2026. Your account, card number and credit limit stay the same. What changed is the rewards: instead of earning cashback automatically, you now pick one of three modes each quarter.<br><br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787563248797\"><strong class=\"schema-faq-question\">Q: <strong>What is Stockback on the Trust Freedom Card?<\/strong> <\/strong> <p class=\"schema-faq-answer\">Stockback pays your rewards as fractional shares in a US stock or ETF instead of cash. You choose one investment from a list of 50 in the Trust app, and once your rewards reach S$10 Trust buys it for you automatically.<br><br>It earns 3% on local and foreign eligible spend until 31 December 2026, capped at S$500 a quarter. From 1 January 2027 that becomes 2% local and 0.5% foreign.<br><br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787563248798\"><strong class=\"schema-faq-question\">Q: <strong>How much cashback does the Trust Freedom Card give?<\/strong> <\/strong> <p class=\"schema-faq-answer\">Up to 1.5% on local eligible spend and 0.5% on foreign if you run the unlimited cashback mode, with no cap or minimum spend. On bonus cashback mode it&#8217;s up to 15% on one chosen category, capped at S$250 a quarter, plus up to 1% local and 0.5% foreign on everything else.<br><br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787563248799\"><strong class=\"schema-faq-question\">Q: <strong>Can I switch between cashback and Stockback?<\/strong> <\/strong> <p class=\"schema-faq-answer\">Yes, once per membership quarter. Switching is free with no penalty, but the change only takes effect when your next quarter starts.<br><br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787563248800\"><strong class=\"schema-faq-question\">Q: <strong>Is Trust card a credit card or a debit card?<\/strong> <\/strong> <p class=\"schema-faq-answer\">Trust issues both. The Freedom Card and Link Card are Visa credit cards. The debit card comes free with a Trust savings account and draws from your own balance, with no credit check.<br><br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787563248801\"><strong class=\"schema-faq-question\">Q: <strong>Which Trust credit card is better?<\/strong> <\/strong> <p class=\"schema-faq-answer\">The Freedom Card for most people, because the rewards are larger and more flexible. The Link Card wins if you&#8217;re an NTUC member whose spending is concentrated at FairPrice Group stores and Caltex.<br><br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787563248802\"><strong class=\"schema-faq-question\">Q: <strong>Trust Bank is under which bank?<\/strong> <\/strong> <p class=\"schema-faq-answer\">Trust Bank Singapore is a joint venture between Standard Chartered Bank and FairPrice Group. It is not part of UOB.<br><br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787563248803\"><strong class=\"schema-faq-question\">Q: <strong>What is the Trust credit card interest rate?<\/strong> <\/strong> <p class=\"schema-faq-answer\">From 1 July 2026 it&#8217;s a personalised rate between 18.9% and 29.9% p.a., reviewed every six months. Transactions posted before that carried a flat 27.9% p.a. Pay in full each month and you&#8217;re not charged interest.<br><br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787563248804\"><strong class=\"schema-faq-question\">Q: <strong>Is a Trust card better than YouTrip?<\/strong> <\/strong> <p class=\"schema-faq-answer\">For local spending, yes. Up to 1.5% unlimited cashback or a 15% bonus category beats anything a travel card pays at home.<br><br>For overseas spending, YouTrip is the better card. You get wholesale exchange rates across 12 currencies, zero FX fees, and the first S$400 a month at overseas ATMs free. Trust gives you 0.5% cashback and an 8% cash advance fee on cash. Use both.<br><br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787563248806\"><strong class=\"schema-faq-question\">Q: <strong>Can I withdraw cash overseas with a Trust card?<\/strong> <\/strong> <p class=\"schema-faq-answer\">On the credit card, an overseas ATM withdrawal is treated as a cash advance, which means an 8% fee on anything over S$5 plus interest from the posting date. The Trust debit card can withdraw overseas once you enable it in the app, with no fee from Trust, though the ATM operator may charge its own.<br><br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787563248807\"><strong class=\"schema-faq-question\">Q: <strong>What is Trust Bank&#8217;s interest rate on savings?<\/strong> <\/strong> <p class=\"schema-faq-answer\">Up to 2.40% p.a. on the first S$1.2 million on the Flex plan, if you meet the bonus conditions. The Signature plan pays up to 1.00% p.a. and the Zen plan a flat 0.40% p.a. with no conditions.<br><br><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1787563248808\"><strong class=\"schema-faq-question\">Q: <strong>What is the SWIFT\/BIC code for Trust Bank in Singapore?<\/strong> <\/strong> <p class=\"schema-faq-answer\">\u00b7 Bank name: Trust Bank Singapore Limited <br>\u00b7 Bank code: 9733 <br>\u00b7 SWIFT\/BIC code: TRBUSGSG <br>\u00b7 Branch code: 001<br><br><\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\ud83d\udcd6 Chasing the best rate at home instead? Compare <a href=\"https:\/\/www.you.co\/sg\/blog\/cashchanger-co-vs-youtrip\/\"><strong>CashChanger.co Vs YouTrip<\/strong><\/a><\/em><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ready to Try YouTrip?<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"900\" height=\"471\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/02\/Frame-42.png\" alt=\"YouTrip Mastercard surrounded by 3D coins for the pound, yen, dollar, euro, krona and franc\" class=\"wp-image-63480\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/02\/Frame-42.png 900w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/02\/Frame-42-300x157.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2024\/02\/Frame-42-768x402.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/figure>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Not a YouTrooper yet? Singapore&#8217;s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a <strong>free YouTrip card + S$5 YouTrip credits<\/strong> with code <strong>YTBLOG5<\/strong>.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Then head over to our <a href=\"https:\/\/www.you.co\/sg\/youtrip-perks\/\">YouTrip Perks<\/a> page for exclusive offers and promotions. Join our Telegram (<a href=\"https:\/\/t.me\/s\/youtripsg\">@YouTripSG<\/a>) and Community Group (@YouTripSquad) for travel tips, event invites, and more!<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Happy travels!<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/youtrip.onelink.me\/P5AL\/ohkz600g?utm_source=youtrip_blog&amp;utm_medium=article&amp;utm_campaign=youtrip_app_download&amp;utm_term=&amp;utm_content=\" style=\"background-color:#6d37ac\"><strong>sign up now!<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Related Articles:<\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.you.co\/sg\/blog\/best-singapore-credit-card\/\"><strong>Best Singapore Credit Card: Miles, Cashback &amp; Travel Compared<\/strong><\/a> <br><a href=\"https:\/\/www.you.co\/sg\/blog\/japan-atm-withdrawal-guide\/\"><strong>Japan ATM Withdrawal Guide: Fees, Locations, Exchange Rates<\/strong><\/a> <br><a href=\"https:\/\/www.you.co\/sg\/blog\/dbs-mca-guide\/\"><strong>DBS Multi-Currency Account (MCA) Guide: Features, Exchange Rates, Fees<\/strong><\/a> <br><a href=\"https:\/\/www.you.co\/sg\/blog\/youtrip-vs-wise-card-singapore-comparison\/\"><strong>YouTrip Vs Wise Card Comparison Guide<\/strong><\/a><\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.you.co\/sg?utm_source=youtrip_blog&amp;utm_medium=banner&amp;utm_campaign=blog_footer&amp;utm_term=&amp;utm_content=\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"160\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png\" alt=\"\" class=\"wp-image-59000\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-300x66.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2023\/08\/Blog-Bottom-Banner-1-600x132.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.you.co\/biz\/?utm_source=youtrip&amp;utm_medium=banner&amp;utm_campaign=blog-footer&amp;utm_content=youbiz&amp;acq=BM&amp;sub_acq=BlogFooter&amp;ad_type=Article_Awa\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png\" alt=\"\" class=\"wp-image-44716\" srcset=\"https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23.png 728w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-300x37.png 300w, https:\/\/www.you.co\/sg\/wp-content\/uploads\/sites\/2\/2022\/11\/YB-Footer-1-23-600x74.png 600w\" sizes=\"(max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Learn all about Trust card&#8217;s new <\/p>\n","protected":false},"author":75,"featured_media":77874,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[621],"tags":[39734,40135,39140],"class_list":["post-77865","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-foreign-exchange","tag-multi-currency-cards","tag-trust-bank","tag-youtrip"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/77865","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/users\/75"}],"replies":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/comments?post=77865"}],"version-history":[{"count":6,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/77865\/revisions"}],"predecessor-version":[{"id":92449,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/posts\/77865\/revisions\/92449"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media\/77874"}],"wp:attachment":[{"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/media?parent=77865"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/categories?post=77865"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.you.co\/sg\/wp-json\/wp\/v2\/tags?post=77865"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}