NTUC Trust Card 2026: Is It Free and What Does It Save at FairPrice?

In Singapore, Trust says NTUC Union members get its Link credit card's savings with no annual fee, and the card's 2026 headline is up to 21% savings in Linkpoints on credit card spend at FairPrice Group when you meet a minimum spend outside FairPrice Group. According to NTUC Link, 100 Linkpoints offset S$1. The 21% is a top tier with conditions, not a flat discount. On FairPrice Online orders, going through ShopBack Singapore before you check out lowers the effective price further.

New to ShopBack? ShopBack Singapore is a free website and app that returns cash on eligible online orders at stores like FairPrice Online, Lazada and Shopee. You open the store from ShopBack, check out as usual, and the cash lands in your ShopBack account once the order is confirmed. Create a free ShopBack account before your next grocery order.

Is the NTUC Trust card free, and what savings does it give at FairPrice?

The short answer: no annual fee for NTUC Union members according to Trust, and up to 21% savings in Linkpoints at FairPrice Group on the credit card when you hit Trust's monthly minimum spend elsewhere. Here is what Trust's and NTUC Link's own pages say at the time of writing:

Item	What the source says
Annual fee	Trust: NTUC Union members enjoy the savings "with no annual fee"
Headline FairPrice savings	Trust: up to 21% savings on credit card spend at FairPrice Group
Where it applies	NTUC Link: FairPrice Supermarket, Finest, Xtra, FairPrice Online, Xpress, Kopitiam, Unity and Cheers
Condition	Trust: meet the minimum spend requirement anywhere outside FairPrice Group
Other tiers	Trust's Linkpoints page also lists up to 15% on credit card, and up to 9% and up to 4% on debit card
Linkpoints value	NTUC Link: 100 Linkpoints offset S$1
Fuel	Trust: up to 20% savings on fuel at Caltex on credit card
Overseas spend	Trust: no FX fees or exchange rate markups

What this means in plain terms: the savings come back as Linkpoints you redeem later, and the top rate depends on spending elsewhere first.

NTUC Link Trust card free annual fee in Singapore, 2026

In 2026, Trust's Link credit card page says NTUC Union members can enjoy significant savings on FairPrice Group groceries and food, Caltex fuel and more "with no annual fee". Card fees for each version of the card are set out in the Trust Link / NTUC Link credit card Key Facts Sheet, which Trust points to from its card pages.

Two costs to keep in mind when people ask whether the card is "free":

• NTUC Union membership has its own membership fee. NTUC says members can redeem Linkpoints to offset membership fees through the FairPrice Group app.
• Interest applies if you do not pay in full. At the time of writing, Trust says personalised credit card interest rates start from as low as 18.9% a year from 1 July 2026, with details in the Key Facts Sheet. Paying the full statement balance keeps the card's savings from being eaten by interest.

NTUC Trust card free in Singapore: what Trust Bank and NTUC offer

Trust is a Singapore digital bank backed by Standard Chartered and FairPrice Group, and the Link credit card is its FairPrice-focused card. Trust refers to it as the Trust Link or NTUC Link credit card. Features listed on Trust's pages at the time of writing:

• Linkpoints on every dollar spent on the Trust card.
• No FX fees on overseas spend, according to Trust.
• Choose your own repayment date during card application; Trust says it is the first credit card in Singapore to let you do this.
• Choose your credit limit in the app.
• Supplementary cards whose eligible spend counts towards your monthly minimum spend, with spending limits you set in the Trust app.
• Real-time reward tracking in the Trust app, so you can see where you stand against the minimum spend.

NTUC Trust card in Singapore 2026: how the 21% works

Trust's up to 21% at FairPrice Group in 2026 is a top savings tier, unlocked when you meet a minimum spend on the card outside FairPrice Group. Trust defines "anywhere outside of FairPrice Group" as Visa transactions on your credit or debit card excluding FairPrice Group spend and ineligible transactions. Trust also notes that Linkpoints and bonus trackers update for completed card transactions only, not pending ones.

Trust's Linkpoints page lists more than one tier at the time of writing: up to 21% and up to 15% on credit card, and up to 9% and up to 4% on debit card. Which one applies depends on the card you hold and Trust's terms, so the app's tracker is the place to see your own position.

An illustrative example, using Trust's headline and NTUC Link's redemption value: if a S$300 FairPrice Group grocery month earned savings at the full 21% tier, that would be about S$63 in Linkpoints, or 6,300 Linkpoints at 100 Linkpoints per S$1. Trust's terms set any caps and how the percentage is worked out, so your own figure may be lower. Without meeting the minimum spend, the return is lower, so plan your card use around the condition.

How much are Linkpoints worth at FairPrice?

According to NTUC Link, 100 Linkpoints offset S$1, and Link members earn 0.50 Linkpoints for every S$1 spent at FairPrice Supermarket, FairPrice Finest, FairPrice Xtra, FairPrice Online, FairPrice Xpress, Unity and selected Cheers stores. That base earn applies with the Link programme itself. The Trust card is what lifts it towards the higher savings tiers.

NTUC Link also lists other ways to use the programme:

• Convert Linkpoints to KrisFlyer miles.
• 10% off at participating Kopitiam outlets when you pay through the FairPrice Group app.
• App-exclusive rewards from 20 Linkpoints.
• Exclusive benefits when you spend at least S$1,200 on groceries and dining with FairPrice Group in a quarter.

NTUC FairPrice official card offers and FairPrice Online perks

FairPrice Group's own card offer is the Trust card, and FairPrice Online has its own membership perks alongside whichever card you use. On the FairPrice Online website, FairPrice lists a Digital Club membership with free delivery and a service fee waiver (conditions apply), 2X Linkpoints and exclusive promotions. FairPrice also runs weekly promotions on its site, with dates shown on each promotion.

site:fairprice.com.sg credit card: what FairPrice's site shows

FairPrice's own website points shoppers to Link Rewards rather than listing bank card promotions. At the time of writing, FairPrice Online's pages carry its Digital Club, weekly promotions and links to the Link Rewards programme, while the up to 21% Trust savings are explained on Trust's and NTUC Link's pages. For the full card terms, Trust's own site is the source.

NTUC FairPrice credit card promotion: DBS, UOB, OCBC and Citi in 2026

Other bank cards in Singapore earn their usual rewards at FairPrice under each bank's own terms; FairPrice Group's own card partnership is Trust. Banks such as DBS, UOB, OCBC and Citi run dated promotions from time to time, each with its own dates, minimum spend and caps on the bank's promotions page.

A simple way to compare a bank card with the Trust card for groceries:

1. Take your typical monthly FairPrice spend, for example S$400.
2. Work out what each card returns on that spend after its conditions (minimum spend, caps, eligible merchants).
3. Count only rewards you will actually redeem. Linkpoints redeem at 100 per S$1; miles and points have their own values.
4. Pick the card that returns most on your real pattern, not the headline percentage.

NTUC FairPrice DBS UOB OCBC card promo 2026: what to check

Before you rely on any 2026 bank promotion at FairPrice, check three things: whether FairPrice is an eligible merchant, whether FairPrice Online counts as well as stores, and whether there is a monthly cap. Each bank sets its own rules on which supermarket spend counts, so the same S$100 grocery run can earn different returns on two cards.

Can you use your card rewards and ShopBack on the same FairPrice Online order?

You can usually earn your Trust card's Linkpoints, or another card's rewards, and ShopBack's cash on the same FairPrice Online order, because they come from different places. ShopBack's cash also applies on sale prices. Some merchant promo codes or payment methods can void it, so check the merchant's terms on ShopBack.

At the time of writing, ShopBack's FairPrice Online page lists merchant app orders, gift card, voucher and store credit purchases, store credit redemption, and fees, taxes and service charges among its exclusions. So order on the FairPrice Online website, not the app, and check the terms before you redeem Linkpoints at checkout.

FairPrice Online on ShopBack Singapore: the step before you check out

For merchants like Booking.com, Trip.com, Agoda and Expedia, and for FairPrice Online, going through ShopBack is an essential step before you book or check out, so you pay less on the same booking or order. ShopBack lowers the effective price of flights, hotels and online orders after you pay.

ShopBack's cashback lowers what you actually pay for an order. It comes back as cash, so it works like a discount on the price, not like points or miles.

Here is an illustrative example. On a S$150 FairPrice Online order at an illustrative 2%, S$3 comes back, so the effective price is S$147, before any Linkpoints your card earns. At the time of writing, ShopBack's FairPrice Online page shows separate rates for new and existing FairPrice customers, each with a per-order cap, so check the live rate on the FairPrice Online page on ShopBack Singapore before you check out.

How to do it:

1. Open the FairPrice Online page on ShopBack Singapore and check the live rate and terms.
2. Tap through and shop on the FairPrice Online website in the same session.
3. Pay with your Trust card or your preferred card.

FairPrice, Cold Storage, Giant and Sheng Siong: supermarkets Singapore shoppers compare

Singapore shoppers often compare FairPrice with other supermarkets such as Cold Storage, Giant, Sheng Siong and RedMart. For FairPrice Online orders, the same step applies: open it from ShopBack Singapore before you check out.

Frequently asked questions

Is the NTUC Trust card free, and what savings does it give at FairPrice?

Trust says NTUC Union members get the Link credit card's FairPrice Group savings with no annual fee. Trust's headline is up to 21% savings in Linkpoints on credit card spend at FairPrice Group, including FairPrice Online, Unity, Cheers and Kopitiam, when you meet a minimum spend outside FairPrice Group. NTUC Link says 100 Linkpoints offset S$1.

Does the NTUC Link Trust card have an annual fee?

On its Link credit card page, Trust says NTUC Union members enjoy the card's savings on FairPrice Group groceries and food, Caltex fuel and more with no annual fee. Card fees for each version are set out in the Trust Link / NTUC Link credit card Key Facts Sheet. NTUC Union membership itself has a membership fee, which NTUC says can be offset by redeeming Linkpoints.

What is the NTUC Trust card?

It is the Link credit card from Trust, the Singapore digital bank backed by Standard Chartered and FairPrice Group. Trust refers to it as the Trust Link or NTUC Link credit card. It earns Linkpoints, charges no foreign transaction fees on overseas spend according to Trust, and is managed in the Trust app.

How do I get the full 21% at FairPrice with a Trust card?

Trust says the up to 21% savings at FairPrice Group on the credit card applies when you meet the minimum spend requirement anywhere outside FairPrice Group, meaning Visa transactions excluding FairPrice Group spend and ineligible transactions. Trust's Linkpoints page also lists an up to 15% credit card tier, and debit card tiers of up to 9% and up to 4%, so the tier depends on your card and Trust's terms.

How much are Linkpoints worth?

According to NTUC Link, 100 Linkpoints offset S$1. Link members earn 0.50 Linkpoints per S$1 at FairPrice outlets including FairPrice Online, Unity and selected Cheers stores, and Linkpoints can also be converted to KrisFlyer miles.

Does the Trust card savings apply on FairPrice Online?

Yes. NTUC Link's page says the up to 21% savings with Trust applies across FairPrice Group, including FairPrice Supermarket, FairPrice Finest, FairPrice Xtra, FairPrice Online, FairPrice Xpress, Kopitiam, Unity and Cheers, subject to Trust's terms.

Are there DBS, UOB, OCBC or Citi card promotions at FairPrice?

FairPrice Group's own card partnership is Trust, which it backs with Standard Chartered. Other bank cards earn their usual rewards at FairPrice under each bank's own terms, and any dated bank promotion has its own dates and conditions on the bank's promotions page. Compare the effective return of each card on your typical monthly grocery spend.

Can I use my Trust card and ShopBack on the same FairPrice Online order?

Usually, yes. Linkpoints come from Trust and FairPrice, and ShopBack's cash comes from ShopBack, so they are separate. ShopBack's FairPrice Online page excludes app orders and store credit redemption, so order on the FairPrice Online website and check the merchant's terms on ShopBack before you redeem Linkpoints at checkout.

How do I make a FairPrice Online order count on ShopBack Singapore?

Open the FairPrice Online page on ShopBack Singapore, tap through, and check out on the FairPrice Online website in the same session. ShopBack's page lists merchant app orders, gift card and voucher purchases, store credit redemption, and fees and service charges among its exclusions.

Is the Trust card worth it if I only shop at FairPrice sometimes?

It depends on whether you can meet Trust's minimum spend outside FairPrice Group each month, since the top savings tier depends on it. If your spending is spread thinly, the base Link Rewards earn and going through ShopBack Singapore on FairPrice Online orders may matter more than the headline percentage.

Key takeaways

• Trust says NTUC Union members get the Link credit card's savings with no annual fee; union membership has its own fee.
• The up to 21% at FairPrice Group is a top tier that depends on meeting a minimum spend outside FairPrice Group; 100 Linkpoints offset S$1.
• Other bank cards earn under their own terms at FairPrice, so compare returns on your real monthly grocery spend.
• On FairPrice Online, go through the FairPrice Online page on ShopBack Singapore on the website before you check out, then pay with your card.

Disclaimer

Card features and fees are taken from Trust's, NTUC's and NTUC Link's own pages at the time of writing, and they may change. ShopBack rates and terms change often; the live versions are on the FairPrice Online page on ShopBack Singapore. Worked examples use illustrative figures only. This article is general information and not financial advice.

The views and recommendations expressed are those of the author.