Trust Link
Cashback card by Trust · Some effort · Min S$550 a month
Earns 10% on fairPrice Group (FairPrice, Unity, Cheers, Warehouse Club, Kopitiam) with S$550 spent outside FPG that month. Everything else in S$ earns 0.22%. Annual fee: See terms.
Checked against Trust's own terms on 21 Oct 2026. See the documents
How you earn
| Where | How you pay | You earn |
|---|---|---|
| FairPrice Group (FairPrice, Unity, Cheers, Warehouse Club, Kopitiam) with S$550 spent outside FPG that month | Any way of paying | 10% needs S$550 spend |
| Everything else, in S$ | Any way of paying | 0.22% |
| Everything else, in a foreign currency | Any way of paying | 0.05% |
The bank's full earning rules
- 0.22% Linkpoints on local eligible spend and 0.05% on foreign eligible spend, with no cap; FPG spend is excluded from these and earns the FPG rates below.
- FairPrice Group (FPG groceries: FairPrice, FairPrice Finest, Xtra, Xpress, Online, Warehouse Club, Unity, Cheers; FPG food: participating Kopitiam stalls and top-up cards). Non-Union table from 1 Nov 2025 to 31 Jan 2027: savings 0.5% (FPG's own, including Cheers) + monthly bonus 4% + quarterly bonus 5.5% (S$550 outside FPG each month) or 10.5% (S$800).
- Monthly bonus cap 5,500 Linkpoints at S$550 outside FPG; quarterly bonus cap 5,000 Linkpoints at S$550, 10,000 at S$800.
- Union table: savings 2.5% + monthly 4% (S$450 outside FPG) + quarterly 6.5% (S$450) or 12.5% (S$800); same caps. FairPrice Members only: +2% base on FPG groceries (not Cheers) and +2% annual bonus, each capped at 12,000 Linkpoints a year.
Where the bonus applies
- FPG groceries: FairPrice, FairPrice Finest, FairPrice Xtra, FairPrice Xpress, FairPrice Online, Warehouse Club, Unity, Cheers
- FPG food: participating Kopitiam stalls and Kopitiam top-up cards
- Min Monthly Spend is waived for the first calendar month after approval
Earns nothing on
- Cash advances; cancelled, voided, refunded or reversed transactions; AXS, SAM and ATM transactions; insurance premiums; card, service…
- Merchant category codes 4900, 6513, 7349 (utilities, rentals, cleaning); 4829, 5960, 6010, 6011, 6012, 6051, 6211, 6300, 6540 (financial…
- Any other fees or payments Trust decides to exclude
Fees and limits
Good to know
Linkpoints are shown as cashback at 100 Linkpoints = S$1 (Trust's Earn Linkpoints page; not stated in the key facts sheet).
Everywhere except FairPrice Group: 0.22% Linkpoints on local spend and 0.05% on foreign spend, no cap (key facts sheet).
FairPrice Group (non-Union table, 1 Nov 2025 to 31 Jan 2027): 0.5% savings + 4% monthly bonus + 5.5% quarterly bonus = 10% once you spend S$550 outside FPG in the month (quarterly bonus needs this in three months in a row). Spending S$800 outside FPG lifts the quarterly bonus by 5% more (15% in all); Cardinko shows the 10% tier.
The caps are not applied by Cardinko: monthly bonus capped at 5,500 Linkpoints (S$55) and quarterly bonus at 5,000 Linkpoints (S$50), or 10,000 (S$100) with S$800 spent outside FPG.
The real condition counts spend OUTSIDE FairPrice Group only; Cardinko counts all card spend, so it may show the bonus a little early.
NTUC Union members get a richer table (2.5% savings, quarterly 6.5% at S$450, +6% at S$800; caps the same), and FairPrice Members get a further 2% base and a 2% annual bonus (capped at 12,000 Linkpoints a year each). Not counted: Cardinko doesn't know your membership.
After 31 Jan 2027 Trust hasn't published rates; Cardinko then shows only the 0.5% FPG base.
Where these facts come from
Is this card right for you? See how it does with your spending
Compare Trust Link with
Already have Trust Link?
Cardinko tracks its caps and minimum spend as you go, and tells you which card to use at every shop.