RewardsMaxx

Trust Cashback Card

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Last upload 12 Aug · statementLast transaction 11 Jul

Cashback

S$1.66

Earned this cycle

2 pairs to check

Same merchant, same amount, close together. Both are still counted, so the figures below include them until you say. Nothing is deleted either way.

S$28.83ADAPTABLEDESK2025-07-04 · statement 974fcb3d

S$40.25UDEMY2025-07-04 · statement 974fcb3d

amounts within 2% on one day, both posted

S$10.50ANYWHEEL JURONG POINT2025-12-01 · statement a7407da6

S$16.29TRIBECAR TAMPINES2025-12-01 · statement a7407da6

amounts within 2% on one day, both posted

This cycle

35 days left

19 Jun – 18 Sepstatement · quarterly · by transaction date

Spend

S$184.40

Qualifying

S$184.40

Earned

S$1.66

Transactions

To min. spend

S$315.60

Left to bonus cap · Preferred category at S$500/month (5% + 1%) — Dining

S$600.00

To the bonus rate — required in EVERY month1 of 1 still short

Eligible spendS$184.40 of S$500.00 · S$315.60 to go

Preferred category at S$2,000/month (15% + 1%) — DiningS$0.00 of S$1,666.67

Preferred category at S$500/month (5% + 1%) — DiningS$0.00 of S$600.00

In no bonus categoryS$147.68 at 1.00%

Every bar above adds up to the S$184.40 of qualifying spend. This last one was in no bonus category — usually a merchant that was not recognised, which is fixable. Check which rows.

Every cycle so far

Earned (cashback)

S$479.13

Blended rate

1.32%

Spend

S$36,401.08

Cycles

Lost to rounding

S$0.00

Blended rate divides by every dollar spent. That is what makes it the figure to compare cards on: it is what this card returned on everything you put through it.

Average S$7,243.34 over 5 cycles, excluding the cycle still running

Preferred category at S$2,000/month (15% + 1%) — Dining · 16.00%2%
Preferred category at S$500/month (5% + 1%) — Dining · 6.00%1%
All other local spend · 1.00%83%
Foreign spend outside the preferred category · 0.50%14%

Cycle	Spend	Cashback	Total rewards	Highest tier	Rate	Wasted
19 Jun – 18 Sep	S$184.40	S$1.66 *	S$1.66	0%	0.90%	S$184.40
19 Mar – 18 Jun	S$9,228.84	S$90.12 *	S$90.12	0%	0.98%	S$9,228.84
19 Dec – 18 Mar	S$2,419.54	S$22.15 *	S$22.15	0%	0.92%	S$2,419.54
19 Sep – 18 Dec	S$9,935.51	S$213.57 *	S$213.57	9%	2.15%	S$9,085.42
19 Jun – 18 Sep	S$8,226.08	S$87.56 *	S$87.56	0%	1.06%	S$8,226.08
19 Mar – 18 Jun	S$6,406.71	S$64.07 *	S$64.07	0%	1.00%	S$6,406.71

Rate is total rewards over every dollar spent, so it moves with the “earned on” column rather than because the card changed. A figure marked * has no statement yet and is what we compute.

Where this cycle went

streaming61%
groceries32%
online_shopping6%

Spend, last six months

Average S$1,962.97 over 5 months, excluding the month still running

Transactions

MCC marked ≈ is inferred from the merchant name rather than supplied by the bank. “≈ unused” means the inference was not confident enough to unlock a bonus, and “✓ yours” is one you recorded.

Record an MCC for a merchant

If your bank's app shows the real MCC, put it here. It outranks any inference but never the code the bank printed on the statement.

remember for this merchant

CASHBACK+S$1.46
18 Julothernot_a_purchase
S$0.00▸▾
EPIC GAMES STORES$10.16
8 Jul → 11 Julstreaming5816 ✓online
S$0.101.00%base▸▾
BIG C SUPERCENTERS$8.76
5 Jul → 9 Julgroceries5411contactless
S$0.091.00%base▸▾
WANG SAN YANG TEA MERCHANTS$51.07
4 Jul → 7 Julgroceries5411contactless
S$0.511.00%base▸▾
TEAMVIEWERS$12.28
3 Jul → 5 Julstreaming5734 ✓online
S$0.121.00%base▸▾
EPIC GAMES STORES$11.49
28 Jun → 2 Julstreaming5816 ✓online
S$0.111.00%base▸▾
ELEMENTS$24.93
28 Jun → 30 Junstreaming4816 ✓onlinefcy
S$0.120.50%foreign▸▾
CREDIT PAYMENT FROM TRUST SAVINGS 30 JUN+S$1,087.31
30 Junothernot_a_purchase
S$0.00▸▾
ADOBE CREATIVE CLOUDS$5.89
25 Jun → 26 Junstreaming5734 ✓online
S$0.061.00%base▸▾
ETHOS BOOKSS$24.45
20 Jun → 22 Junstreaming5942 ✓online
S$0.241.00%base▸▾
THE EDGE MAGAZINESS$11.79
19 Jun → 21 Junonline_shopping5968 ✓onlinefcy
S$0.060.50%foreign▸▾
REVOLUTIONS$23.58
19 Jun → 21 Junstreaming5815 ✓online
S$0.241.00%base▸▾
AUSTRALIAN NATURALCARES$8.15
15 Jun → 18 Jundining5499 ✓contactlessfcyearlier · 19 Mar
S$0.496.00%preferred-5:dining▸▾
THE CURRY CLUB SIGNATURES$8.80
15 Jun → 18 Jundining5814 ✓contactlessearlier · 19 Mar
S$0.536.00%preferred-5:dining▸▾
TAI CHEONG BAKERYS$4.86
15 Jun → 18 Jundining5812 ✓contactlessfcyearlier · 19 Mar
S$0.296.00%preferred-5:dining▸▾
PURE GROCERIESS$6.76
15 Jun → 18 Jungroceries5499contactlessearlier · 19 Mar
S$0.071.00%base▸▾
GIN THYES$5.24
15 Jun → 18 Junretail_instore5399 ✓fcyearlier · 19 Mar
S$0.030.50%foreign▸▾
JIA JIA LES$4.74
15 Jun → 18 Jundining5814 ✓contactlessearlier · 19 Mar
S$0.286.00%preferred-5:dining▸▾
TAI CHEONG BAKERYS$11.19
15 Jun → 18 Jundining5812 ✓contactlessfcyearlier · 19 Mar
S$0.676.00%preferred-5:dining▸▾
GO GET SSLS$15.86
14 Jun → 17 Junstreaming4816onlinefcyearlier · 19 Mar
S$0.080.50%foreign▸▾

Card facts

Counted by	Transaction date — the day you paid, not the day it posted	Cycle	Statement month, quarterly
Points Validity	N/A (credited against the balance)	Annual Fee	None
Min. Transfer	N/A	Miles with Annual Fee	N/A
Transfer Partners	N/A	FCY Fee	None (0% FX fee)
Transfer Fee	N/A	Local Earn	1% unlimited
Points Pool?	N/A	FCY Earn	0.5% unlimited
Lounge Access?	No	Special Earn	Up to 15% on one category you choose*
Airport Limo?	No

* Tiered on minimum MONTHLY spend: S$500 gives 5% (S$30 quarterly cap), S$2,000 gives 15% (S$250 cap). The preferred cashback stacks on top of the 1%.

How this card earns

Tier	Rate	Cap
Preferred category at S$2,000/month (15% + 1%) — Dining	16.00%	S$1,666.67 of spend
Preferred category at S$500/month (5% + 1%) — Dining	6.00%	S$600.00 of spend
Foreign spend outside the preferred category	0.50%	uncapped
All other local spend	1.00%	uncapped

SGD → cashback · no transfer block · no transfer fee

Rule notes and caveats

HOW IT EARNS
- One preferred category, TIERED on minimum MONTHLY spend:
    S$500/month  -> 5%, capped at S$30 a QUARTER
    S$2,000/month -> 15%, capped at S$250 a QUARTER
  The S$1,000 -> 10% tier was removed on 1 March 2026.
- Preferred cashback is IN ADDITION to the 1% every Eligible Spend earns, so
  preferred spend earns 16% in total.
- All local spend 1.0% unlimited; all foreign spend 0.5% unlimited.

WATCH OUT
- THE CAPS ARE QUARTERLY, NOT MONTHLY. The 15% band is worth at most S$1,000
  a year.
- The band is set by the WEAKEST month of the quarter, so one thin month
  drops the whole quarter to the lower band.
- Minimum monthly spend counts on TRANSACTION date, not posting date.

NOT MODELLED
- The first-month waiver after approval.
- From 1 March 2026 Trust moved some MCCs from Wellness to Shopping; the
  affected codes are not published in the Key Facts Sheet.

EVIDENCE
- Verified 2026-07-28 against Trust's Key Facts Sheet, whose rate tables are
  published as IMAGES and were read directly.
- The statement prints a per-transaction FX rate, so FCY cost is exactly
  measurable (PLAN §10.6).

Product

Approved oni

Not printed on a statement. Yours first appears on the statement to 17 Jun, so it was approved on or before then.Leave it blank if you are not sure. A wrong date is worse than none — an expiry predicted from a guess would read as fact.

Usually paid by

Neither statements nor most app screens print how a payment was made, so most rows arrive with no channel at all. Nothing is assumed unless you say so here — assuming online by default made this card pay 4 mpd on restaurant dinners and six statements read up to 54% above what the bank actually paid. Set it only where it is true of the card. A channel you set on a single transaction always wins, and so does one worked backwards from a statement's printed reward total — that is arithmetic on what the bank actually paid, and this is a habit.“Only rows no statement has claimed” keeps the assumption to the cycle nothing else can speak for — app screenshots of spend the statement has not reached yet. When that statement arrives it supersedes those rows and the assumption is taken back off them, leaving the printed reward total to settle the channel. Use it on a card that prints one; use “every row” on a card where the habit is simply true of how you pay.

Cycle

Read off your statement where one has been imported. Only used by cards billed on a statement cycle rather than a calendar month.

Add from a screenshot

The current cycle has no statement yet, so nothing else can tell you how close you are to a minimum or a cap. Screenshot the transaction list in your banking app and upload it here — several consecutive scrolls are fine, in order.A points balance or expiry schedule works too — the yuu app's home and Expiring Points screens are read as readily as a transaction list. Reading them takes about half a minute per image: they go through the local model one at a time, so the page will sit still for a while. It is working.

Read on this machine by the local model — the images are never uploaded anywhere else. Rows land marked as coming from a screenshot, and the statement replaces them when it arrives rather than adding to them.

Statements

2026-07-18
trust.pdf
coordinatenot kept
19 May – 17 Jun
Trust Jun 26.pdf
coordinatenot kept
2026-05-18
Trust may 26.pdf
coordinatenot kept
19 Mar – 17 Apr
Trust Apr 26.pdf
coordinatenot kept
16 Feb – 18 Mar
Trust Mar 26.pdf
coordinatenot kept
19 Jan – 15 Feb
Trust Feb 26.pdf
coordinatenot kept
19 Dec – 18 Jan
Trust Jan 26.pdf
coordinatenot kept
2025-12-18
PDF document trust Dec 25.pdf
coordinatenot kept
19 Oct – 17 Nov
PDF document trust Nov 25.pdf
coordinatenot kept
18 Sep – 18 Oct
Trust Oct 25.pdf
coordinatenot kept
19 Aug – 17 Sep
Trust Sep 25.pdf
coordinatenot kept
19 Jul – 18 Aug
Trust Aug 25.pdf
coordinatenot kept
18 Jun – 18 Jul
Trust Jul 25.pdf
coordinatenot kept
19 May – 17 Jun
Trust Jun 25.pdf
coordinatenot kept

The original PDFs, kept so you can check any figure here against the document it came from.

Terms and conditions

The documents this card's rules were written from, kept as downloaded. A T&C is revised in place — the page a rate was read off in March may say something else today and nothing here would change — so what is linked is OUR copy, with the date the issuer printed on it.

Issuer terms · tiers
https://trustbank.sg/legal/kfs_cashback/
issuer updated 13 Juldownloaded 30 Jul
not archived152 KB
Issuer terms · tiers[base].rate_milli_per_dollar
https://trustbank.sg/cashback-credit-card/
downloaded 30 Jul
not archived99 KB

Commentary is linked but deliberately not archived — it is someone else's writing, and a local copy of it is neither ours to keep nor evidence of anything. Refresh with npx tsx scripts/fetch-terms.ts --all.