Trust Freedom Card Bonus MCC Categories
The Trust Freedom Card earns bonus rewards when you spend at merchants with specific MCC (Merchant Category Code) codes. Here's a breakdown of which categories earn bonus rates:
1. All Spend (local + foreign) — 1.3 MPD
Flat 6.5 Trust Miles per complete S$5 block on eligible local and foreign spend, uncapped. Sub-S$5 tails earn nothing. 0% FX fee at the Visa rate.
| Category | MCC Codes | Top Merchants |
|---|---|---|
| All Spend (local + foreign) | All | Any merchant (see exclusions) |
Tips to Maximize Trust Freedom Card Rewards
- The 0% FX fee + 1.3 MPD combo makes this the default "no-think" overseas card
- Miles mode is opt-in — reward mode is selectable quarterly (miles / cashback / Stockback)
- S$27.25 conversion fee per transfer to KrisFlyer/Max Miles; Trust Miles expire after 3 years
- Education and utilities are excluded — unusual for a flat-earn card
Frequently Asked Questions
Which MCCs are excluded from Trust Freedom?
Per Trust's product terms v2 (21 Sep 2026): 4900, 6513, 7349 (utilities/rentals/cleaning); 4829, 5960, 6010, 6011, 6012, 6051, 6211, 6300, 6540 (FI/brokers/quasi-cash/insurance/stored value); 7995 gambling; 8211, 8220, 8241, 8244, 8249, 8299 education; 8398, 8651, 8661, 9211, 9222, 9223, 9311, 9399, 9402, 9405 charity/political/religious/government; 7299, 7399, 8999 other services — plus AXS/SAM/ATM and wallet top-ups.
Does Trust Freedom earn miles on overseas spend?
Yes — 1.3 MPD on foreign-currency spend with 0% FX fee and no cap. This uncapped, fee-free earn is the card's main value.
Is the Trust Freedom card really free?
Yes — S$0 annual fee and no FX markup. The costs are the S$27.25 conversion fee and 3-year Trust Miles expiry.
Last Updated: October 2026 | MCC codes and card rewards may change. Always verify with CheckMCC and your card issuer.