Trust Cashback Card Nerf: No Free Overseas ATM Withdrawals

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$60,000Annual fee: No annual fee, ever

 Get 0.5% cashback on foreign transactions
 No minimum spending
 Uncapped earn rates
 No foreign transaction fees

⚠️ “15% cashback” claim for chosen category is impossible to achieve
⚠️ Low earn rate for local spending (spend with better cashback cards)

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income:• S’porean/PR: S$15,000 – S$30,000 ^{S$30,000/year if aged 55 and below; S$15,000/year if aged 56 and above.}
• Foreigner: S$60,000Annual fee: No annual fee, ever

 No foreign transaction fees
 Unlimited fee-free overseas ATM withdrawals

⚠️ “21% cashback” claim for FairPrice spending is impossible to achieve
⚠️ Low earn rate of 0.22% (spend with better cashback cards)

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Trust Link Card

Suitesmile rating:

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✍️ Short summary
This card gives you great foreign exchange rates and unlimited fee-free overseas ATM cash withdrawals. Plus, it does not come with an annual fee.

To avoid interest charges on ATM cash withdrawals, follow these easy steps:

1. Optional: Apply for the Trust Link Credit Card if you want the credit card function (use code V1WB7T8A)
2. Apply for a Trust Savings Account through the Trust app (instant approval, no minimum balance, monthly fee or lock-in period)
3. Deposit money into your Savings Account
4. Pair your Trust Link Card with your Savings Account before any ATM withdrawals (withdrawn cash amount will be automatically deducted from your Savings Account)
5. Select Savings Account on the ATM screen (i.e. not Current Account, not Credit Card, not Cash Advance) and complete your withdrawal.

The Trust Link Card comes with other unappealing benefits like 0.22% cashback on general spending and 0.5% cashback on FairPrice Group spending.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
S$30,000/year (S’porean/PR aged 55 and below),
S$15,000/year (S’porean/PR aged 56 and above),
S$60,000/year (Foreigner)

🤑 Foreign currency fee
No foreign currency fee

📜 Terms & conditions

🎁 Sign-up promo

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: Nil
Annual fee: No annual fee, ever

 Free overseas ATM cash withdrawals, up to S$400 per calendar month
 No minimum spending
 No foreign transaction fees

⚠️ Requires adequate funds in the YouTrip wallet
⚠️ 2% ATM withdrawal fee upon exceeding the monthly limit

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YouTrip Card

Suitesmile rating:

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✍️ Short summary
The YouTrip Card is a Debit Card and your spending limit is tied to the amount of money that you have in your YouTrip wallet.

Top-up your YouTrip wallet and withdraw cash from overseas ATMs for free, up to S$400 per calendar month. The exchange rates are usually better than what money changers are offering.

Take note that you will be charged a 2% fee for overseas ATM cash withdrawals upon exceeding the monthly limit.

YouTrip top-ups that are made via PayNow or a linked bank account can be transferred back to you own bank account at no charge.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
No income requirement

🤑 Foreign currency fee
No foreign currency fee

📜 Terms & conditions

🎁 Sign-up promoGet S$5 credited to your wallet, after your first top-up.

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: Nil
Annual fee: No annual fee, ever

 Free overseas ATM cash withdrawals, up to S$100 per calendar month
 No minimum spending
 No foreign transaction fees

⚠️ Requires adequate funds in the Wise account
⚠️ 1.75% fee on overseas ATM withdrawals upon exceeding the monthly limits

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Wise Card

Suitesmile rating:

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✍️ Short summary
Wise Card is a Debit Card and your spending limit is tied to the amount of money that you have in your Wise account.

Top-up your Wise account and withdraw cash from overseas ATMs for free, up to S$350 and 2 withdrawals per month. The exchange rates are usually better than what money changers are offering.

Take note that you will be charged a S$1.50 + 1.75% fee for overseas ATM cash withdrawals exceeding the monthly limits.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
No income requirement

🤑 Foreign currency fee
No foreign currency fee for up to S$350 and 2 withdrawals per month. 1.75% fee upon exceeding the limit.

📜 Terms & conditions

🎁 Sign-up promoNo sign-up promo at the moment.

Card rating ^{Suitesmile's overall rating of this card (out of 5), all things considered. This includes how it compares against alternative miles/cashback cards, its annual fee, and how easy (or hard) it is to achieve the advertised benefits.}:
Ease of use ^{A rating (out of 5 stars) of how easy it is to achieve the maximum earn rate and other benefits advertised by this card.}:
Minimum annual income: Nil
Annual fee: No annual fee, ever

 Free overseas ATM cash withdrawals, up to S$350 per calendar month, 5 times per rolling month, on weekdays ^{Foreign Exchange Market Hours run continuously from Sunday 6pm to Friday 5pm New York time.}
 No minimum spending
 No foreign transaction fees on weekdays ^{Foreign Exchange Market Hours run continuously from Sunday 6pm to Friday 5pm New York time.}

⚠️ Requires adequate funds in the Revolut account
⚠️ 1% fee on foreign currency card spend, overseas ATM withdrawals and exchanges on weekends ^{Foreign Exchange Market Hours run continuously from Sunday 6pm to Friday 5pm New York time.}
⚠️ 2% fee (min. S$1.49) on overseas ATM withdrawals upon exceeding the monthly limits

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Revolut Card

Suitesmile rating:

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✍️ Short summary
The Revolut Card is a Debit Card and your spending limit is tied to the amount of money that you have in your Revolut account.

Top-up your Revolut account via the bank transfer method to avoid fees and withdraw cash from overseas ATMs for free, up to S$350 and 5 withdrawals per rolling month.

Take note that you will be charged a 1% fee when transacting on weekends and non-Foreign Exchange Market hours (Friday 5pm to Sunday 6pm New York time).

Non-Premium cardholders will also be charged a 2% fee (min. S$1.49) for overseas ATM cash withdrawals upon exceeding the monthly limits.

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💸 Annual fee
No annual fee, ever

💼 Income requirement
No income requirement

🤑 Foreign currency fee
No foreign currency fee on weekdays, 1% fee on weekends and non-Foreign Exchange Market hours, up to S$350 and 5 withdrawals per month. 2% fee upon exceeding the limit.

📜 Terms & conditions

🎁 Sign-up promoNo sign-up promo at the moment.