Trust card vs YouTrip [2026]: Fees and features comparison

Compare Trust Card and YouTrip on fees, rewards and overseas spending, and see where a business multi-currency card fits when personal cards fall short

Key takeaways

• Trust Card is a personal credit card from Trust Bank, while YouTrip is a personal prepaid card funded from a multi-currency wallet
• Both cards charge zero foreign transaction fees, and neither is a business card
• Trust Freedom offers stockback, cashback and ,iles, while the personal YouTrip card has no general rewards programme
• YouTrip’s wallet holds 12 currencies, while Trust Card has no multi-currency wallet
• The World Card by WorldFirst is a multi-currency card for team card issuance, multi-currency spending and business expense controls

Trust Card and YouTrip are popular cards for overseas spending in Singapore, and both charge zero foreign transaction fees.^1,2

Trust Card is a credit card from Trust Bank that charges interest on balances carried. YouTrip is a prepaid card that must be funded from a multi-currency wallet before spending.

Trust Card and YouTrip are personal cards. Business features such as team cards, spending controls and multi-currency spending are not supported.

What is the Trust Card?

Trust Card is the personal credit card range from Trust Bank, a Singapore digital bank.^3,4  The Trust Card has two variants.

The Trust Freedom credit card lets cardholders switch between stockback, unlimited cashback, bonus cashback and miles every quarter, while the Trust Link credit card focuses on FairPrice Group and Caltex spending.⁵

For a full breakdown of features and fees, read the Trust card review

What is YouTrip?

YouTrip is a payments provider based in Singapore, and its personal YouTrip card is a prepaid Mastercard for individual travel and spending, linked to a multi-currency wallet.⁶ The wallet holds 12 currencies, and the card works in 150+ currencies.^6,7

Being prepaid, the wallet needs funding before spending, and the card provides no credit facility.

For a full breakdown of features and fees, read the YouTrip card review

Trust Card vs YouTrip Card: Key differences

Trust Card vs YouTrip Card: Fees comparison

*Fees checked in October 2026.

Trust Card vs YouTrip Card: Features comparison

Overseas spending

Both cards charge zero foreign transaction fees on overseas spending.^1,3  Trust Card converts foreign currency transactions at the Visa exchange rate, while YouTrip applies its own rates.^1,2

Third party platforms may apply their own fees to Trust Card transactions, and dynamic currency conversion uses a rate set by the DCC provider.

Compare the best credit card for overseas spending

Multi-currency wallet

Trust Card is a credit card with no multi-currency wallet. YouTrip’s wallet allows users to exchange and hold 12 currencies, which includes SGD, USD, EUR, GBP, JPY, AUD, HKD, MYR, NZD, CHF, SEK and THB.⁷ The card can be spent in 150+ currencies.^6,7

Rewards

For Trust Freedom cards, unlimited cashback earns 1.5% on local spend and 0.5% on foreign spend, with no cap. Bonus cashback offers up to 15% on one preferred category, capped at S$250 per quarter, while miles earns 1.3 Trust Miles per S$1 spent.^14,15  Trust Link offers up to 21% savings at FairPrice Group and up to 20% fuel savings at Caltex.¹⁶

The personal YouTrip card has no general cashback or rewards programme.⁶

Card issuance and limits

Trust issues both cards at zero cost, subject to a credit limit and card terms, and delivers physical cards within seven business days of approval.^5,9

YouTrip issues physical and virtual cards at zero cost, with one physical card and one virtual card per user.^11,18

Credit vs prepaid structure

Trust Card spends against a credit limit, produces a statement and charges interest if a balance is carried. YouTrip spends only from the funded wallet balance, so there is no interest and no credit facility.

Check out the best virtual cards in Singapore

Trust card vs YouTrip: Who fits each card?

Trust Card fits these spending patterns:

• Flexible rewards through Trust Freedom
• Regular FairPrice Group and Caltex spending through Trust Link
• Overseas spending with zero foreign transaction fees on the Visa network¹
• Tracking rewards through the Trust App

YouTrip fits these spending patterns:

• Exchanging foreign currency before a trip at YouTrip rates
• Spending in multiple currencies from one wallet
• Spending within a funded balance, without a credit facility
• Overseas cash withdrawals with zero YouTrip fees on the first S$400 each calendar month¹²

When YouTrip and Trust card may not be enough

For Singapore solopreneurs, importers and businesses in global trade, personal cards like Trust Card and YouTrip leave gaps.

• Business expense separation
• Team card issuance
• Multi-currency spending at scale
  No business cashback
• Accounting integration

The World Card: A multi-currency card built for global businesses

WorldFirst is an international payments provider offering the World Card, a Mastercard-powered multi-currency card for Singapore businesses. It supports up to 150+ currencies, and there are no fees when paying in any of the 16 supported currencies, with sufficient balance held in that currency.

WorldFirst also offers the World Account, a multi-currency account for receiving, holding, converting and sending funds across multiple markets. The World Account lets you have local currency accounts in 20+ currencies, with Xero and Netsuite integration for accounting platforms.

Key features of the World Card:

• The World Card is a Mastercard-powered multi-currency card linked to the World Account
• A business can issue up to 25 multi-currency cards, including up to 10 physical cards each with a separate spending limit
• The card supports payments in 150+ currencies in the Mastercard network
• The World Card applies 0% FX fees on all foreign transactions
• Eligible spending on ads, software, travel and supplier payments earns 1.2% cashback every month, with no cap (Terms and Conditions Apply)
• Real-time spending controls, 3D Secure protection, and freeze and cancel functionality managed through the World Account dashboard or app
• The linked World Account holds local currency accounts in 20+ currencies, with a USD account along with 14 other local currency accounts

Pricing: Zero card issuance for up to 25 multi-currency cards, with a one off US$7 shipping fee for physical card delivery.

FAQs

1. What is the difference between Trust Card and YouTrip?

Trust Card is a personal credit card on the Visa network, with interest on balances carried and rewards through Freedom or Link. YouTrip is a personal prepaid card on the Mastercard network, funded from a wallet that holds 12 currencies, with no general rewards programme.

2. Which has lower fees: Trust Card or YouTrip?

Both cards have zero annual fees and zero foreign transaction fees, but other charges differ. Trust Card charges interest of 18.9% to 29.9% p.a. on carried balances, a S$100 late payment fee and an 8% cash advance fee. YouTrip charges 1.5% on Visa credit card top-ups, 2% on overseas ATM withdrawals exceeding S$400 per month, and S$10 for card replacement.

3. Is Trust Card better than YouTrip for travel?

Depends. Trust Card is a Visa credit card with zero foreign transaction fees and a Miles option that earns 1.3 Trust Miles per S$1 spent. YouTrip is a prepaid wallet that supports 12 held currencies and offers zero ATM withdrawal fees on the first S$400 withdrawn each month.

4. Can I use Trust Card and YouTrip overseas?

Yes. Trust Card works wherever Visa is accepted and YouTrip works wherever Mastercard is accepted, with YouTrip supporting payments in 150+ currencies. YouTrip does not support local Singapore ATM withdrawals.

5. Does YouTrip or Trust Card have a multi-currency wallet?

YouTrip does, with 12 currencies, while Trust Card does not. Both are personal products, and a YouTrip multi-currency account for business use is a separate offering.

Sources

1. https://trustbank.sg/legal/trust-freedom-credit-card-key-facts-sheet/
2. https://support.you.co/hc/en-us/articles/360000597553-What-are-the-exchange-rates-and-fees-offered-by-YouTrip
3. https://trustbank.sg/who-we-are/
4. https://eservices.mas.gov.sg/fid/institution?term=trust&sector=Banking&category=Full%20Bank
5. https://trustbank.sg/faqs/credit-card/
6. https://www.you.co/sg/
7. https://support.you.co/hc/en-us/articles/900000378763-Which-currencies-are-supported
8. https://www.you.co/sg/about/
9. https://trustbank.sg/legal/key-facts-sheet-credit-card/
10. https://support.you.co/hc/en-us/articles/360000608414-What-are-the-fees-involved-in-using-a-YouTrip-account
11. https://support.you.co/hc/en-us/articles/360000599833-Is-there-any-fee-for-getting-a-YouTrip-card
12. https://support.you.co/hc/en-us/articles/18599693346073-How-are-the-ATM-withdrawal-fees-calculated
13. https://trustbank.sg/freedom-credit-card/stockback/
14. https://trustbank.sg/freedom-credit-card/cashback/
15. https://trustbank.sg/freedom-credit-card/miles/
16. https://trustbank.sg/link-credit-card/
17. https://support.you.co/hc/en-us/articles/360003288834-Can-I-withdraw-cash-from-local-and-overseas-ATMs-with-my-YouTrip-card
18. https://support.you.co/hc/en-us/articles/18399344336793-Can-I-have-multiple-Virtual-Cards

This article is intended for informational purposes only and does not constitute legal advice or professional advice. This article should not be regarded as constituting an offer or a solicitation to buy or sell any regulated or financial products or services. WorldFirst makes no representations or warranties regarding the accuracy, completeness, or applicability of the content, and readers are encouraged to consult with legal professionals or other professionals for advice tailored to their specific situation. WorldFirst does not guarantee the accuracy and completeness of this article and expressly disclaims any and all liability to any person in respect of the consequences of anything done or omitted to be done wholly or partly in reliance on this article.