NTUC Link Credit Card by Trust


^Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law.


Terms and conditions


For new Trust customers only. S$10 FairPrice Group E-Voucher will be issued upon successful sign-up with referral code “MSD00001”. For credit card customers, receive an additional S$10 FairPrice Group E-Voucher upon first credit card spend. Get up to S$60 in FairPrice E-Vouchers when you successfully refer your first 3 friends to Trust. Promotion is valid till 30 September 2024.

A minimum monthly spend is the minimum Eligible Spend in a calendar month to earn monthly and quarterly bonus rates. Meet the relevant minimum monthly spend for a month to earn the monthly bonus rate, and for a quarter to earn a quarterly bonus rate. There are currently two quarterly bonus rates you can earn, each with their own minimum monthly spend. See Trust Bank’s Key facts sheet for Trust Link Credit Card and NTUC Link Credit Card for details.


FPG groceries refer to FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress (excluding Esso outlets), FairPrice online, Warehouse Club, Unity, Cheers (excluding Esso outlets). The FairPrice member savings is applicable for all purchases at FPG groceries (excluding Cheers). T&Cs apply.

Illustration is based on rates which include promotional rates. Rates are subject to fulfilment of conditions such as minimum monthly spend. Promotional bonus rates are valid till 31 December 2024. Please see Trust Bank’s General Terms and Conditions for more information. 

Interest earned per year with Trust shown above is assuming customers have completed 5 qualifying retail transactions on Trust card every month and with minimum daily balance (ADB) above $100K for the month. Annual interest earned with other banks is assuming a base interest rate of 0.05% p.a. All calculations are simplified for illustration purposes.

Trust Bank’s General Terms & Conditions apply, visit trustbank.sg for more information

Information on your Trust card if your NTUC Union Membership application is successful

6. If you receive/have received confirmation from NTUC by the 18th of the given month for your successful NTUC Union membership sign up, Trust will update your NTUC Union membership status in our records within the same month. Note that in exceptional circumstances, Trust may take up to 60 days to update your NTUC Union membership status in our records from when Trust first learnt about your NTUC Union membership status change.

7. Once your NTUC Union membership status is updated at Trust, your digital card face in the Trust app will be updated to the NTUC Link Credit/Debit card face. Your card details will remain the same, as Trust does not want any of your recurring payments and card on file payments to be declined.

8. However if you would like a new physical card, you can request for a lost card replacement via the Trust app. Note that your card details will be affected after a lost card replacement.

9. Once your digital card face in the Trust app has been updated to the NTUC Link Credit/Debit card face, your NTUC Link Credit/Debit card benefits will start from the 1st day of the subsequent month. You will also receive an eDM from Trust that your NTUC Link Credit/Debit Card benefits is effective.


Click here for Trust FAQ. 

Valid till

30 Sep 2024

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