No personal accident benefit. This benefit is not included with this card. Accidental death and permanent disablement while travelling pay nothing from this card. A standalone travel or personal accident policy is required for this cover.
Does the Trust Cashback Credit Card come with travel insurance?
Trust Bank·SGD 0/year·Visa
0,0/5Independent review · verified September 2026
0,0
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the Trust Bank Cashback Credit Card
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The Trust Bank Cashback Credit Card is a no-fee cashback card, and it carries no complimentary travel insurance. Charging a flight to it activates nothing, because there is no policy attached to the card. If you fall ill or get hurt overseas, every cost is your own. A serious hospital admission abroad can pass S$100,000, and MediShield Life, Singapore's national health insurance, does not cover treatment outside the country, so the card leaves you with the full bill. A standalone Singapore travel policy from about S$20 a trip covers overseas medical, trip cancellation and baggage, and it usually includes COVID-19 medical costs too. Keep using the card for its cashback and low foreign-currency fees, but buy the cover separately before you fly.
Where travel breaks down
- No complimentary travel insurance: overseas medical, trip cancellation and baggage are all uninsured
- No overseas hospital cover: a serious admission abroad can pass S$100,000, none of it paid by MediShield Life
- Charging your air fare to the card activates no policy, because there is no cover attached to it
Our methodology
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 14 guarantees
What does Trust Bank Cashback Credit Card Travel Insurance actually cover?
What's not covered
- Personal accident is not a benefit of this card
No overseas emergency medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility. MediShield Life does not cover you outside Singapore, and a serious hospital admission in the US or Europe can run S$100,000 or more.
What's not covered
- Overseas medical treatment is not a benefit of this card
- Pre-existing conditions and pregnancy excluded
No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility. An air ambulance from Bali or Bangkok back to Singapore runs S$50,000 to S$120,000.
What's not covered
- Emergency medical evacuation is not a benefit of this card
No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.
What's not covered
- Overseas emergency dental is not a benefit of this card
No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.
What's not covered
- Overseas hospital daily cash is not a benefit of this card
No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.
What's not covered
- Trip cancellation is not a benefit of this card
No trip curtailment cover. This benefit is not included with this card. The cost to fly home early after a family emergency and resume a trip is out of pocket.
What's not covered
- Trip curtailment is not a benefit of this card
No travel disruption cover. This benefit is not included with this card. Extra accommodation and transport from a trip disruption are the cardholder's responsibility.
What's not covered
- Travel disruption is not a benefit of this card
No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.
What's not covered
- Travel delay is not a benefit of this card
No missed connection cover. This benefit is not included with this card. The cost of alternative transport after a missed connection is out of pocket.
What's not covered
- Missed connection is not a benefit of this card
No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.
What's not covered
- Baggage loss is not a benefit of this card
No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.
What's not covered
- Baggage delay is not a benefit of this card
No travel documents cover. This benefit is not included with this card. The cost to replace a lost passport or reclaim fraudulent card use overseas is out of pocket.
What's not covered
- Loss of travel documents is not a benefit of this card
No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.
What's not covered
- Personal liability overseas is not a benefit of this card
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the Trust Bank Cashback Credit Card wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Accidental death: not covered by this card
Medical fees abroad: not covered by this card
Medical repatriation: not covered by this card
Compare
Cashback Credit CardThis card0.0/5?
SGD 0/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
SGD 215 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the Trust Bank Cashback Credit Card stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Cashback Credit Card shoppers also consider.
| Card | This card Cashback Credit Card Trust Bank · SGD 0/yr 0.0/5? | Revolution HSBC · SGD 0/yr 1.5/5? | ULTIMA Citibank · SGD 4,199/yr 2.9/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | Not covered Cover this gap → | S$2,000 per person Capped S$2,000 | S$10,125 per person Up to S$10,125 | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | Not covered | S$675,000 S$675,000 overseas medical | |
Emergency evacuation Air ambulance + repatriation | Not covered Cover this gap → | S$1,000,000 Up to S$1,000,000 | S$675,000 S$675,000 evacuation | |
Trip delay trigger Hours before benefits kick in | Not covered Cover this gap → | 8h / S$500 Trigger: 8 hours | 4h / S$675 Trigger: 4 hours | |
Trip interruption Covered amount | Not covered Cover this gap → | Not covered | Not covered |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the Trust Bank Cashback Credit Card
Cardholder experience with the card 3 reviews
A(
adrwong (HardwareZone)
No annual fee, so worth keeping
No harm to apply and keep since there is no annual fees, in case there is a promotion of good cashback at times.
W(
wav35_ (HardwareZone)
Only really good for foreign-currency spend
Trust CC is only good for FCY spending. At least now can earn 1% which is definitely better than the previous card.
S(
sohguanh (HardwareZone)
Best if you spend overseas often
Except for 0% FCY fees else need spend big will appeal to those who spend more heavily and spend overseas more often.
Emergency · Card assistance line
How to contact Trust Bank Cashback Credit Card assistance?
This card carries no complimentary travel insurance, so there is no underwriter or 24-hour assistance hotline attached to it. For medical, cancellation and baggage cover overseas, buy a standalone Singapore travel policy and keep its emergency assistance number with you while you travel.
What to do if you need travel cover with the Cashback Credit Card
1
Step 1: Buy a standalone travel policy before you fly
Because the card includes no travel insurance, arrange a standalone Singapore travel policy that states its overseas medical, cancellation and baggage limits in writing. Cover starts from around S$20 for a single trip.
2
Step 2: Keep your policy and emergency number with you
Save your travel insurer's 24-hour emergency assistance number and policy number on your phone, and keep receipts, medical reports and any police or airline reports to support a claim.
3
Step 3: Escalate to FIDReC for a card-issuer dispute
For a dispute with the card issuer itself, not travel insurance, you can approach FIDReC, the Financial Industry Disputes Resolution Centre, free of charge within 6 months of the issuer's final reply.
FAQ
What people ask about the Trust Bank Cashback Credit Card
- No. The Trust Bank Cashback Credit Card is a no-fee cashback card, and it comes with no complimentary travel insurance. When you charge a flight or a hotel to it, no policy switches on, because there is nothing attached to the card to activate. That means no overseas medical cover, no trip cancellation and no baggage protection from the card itself. If you booked a trip assuming the card would protect you, you are travelling uninsured. To close that gap, buy a standalone Singapore travel policy before you depart. Cover starts at around S$20 for a single trip and pays the hospital bills, cancellations and lost bags the card does not.
- None. The Trust Bank Cashback Credit Card offers no travel insurance protection at all: no overseas emergency medical benefit, no trip cancellation, no baggage cover and no personal accident sum tied to the card. It is a capable everyday cashback card with low foreign-currency fees, and it works as a Visa payment method wherever you travel, but the insurance layer simply is not there. Some people confuse airline or hotel perks with insurance, but those are not medical or cancellation cover. If you want real protection for a trip, you need a separate travel policy, because the card contributes nothing towards a claim if something goes wrong abroad.
- Yes. Because the card carries no cover of its own, paying for a trip with the Trust Bank Cashback Credit Card gives you no insurance protection. A single unexpected hospital admission overseas, which MediShield Life (Singapore's national health insurance) does not cover outside the country, can run past S$100,000, and none of that falls on the card. A standalone Singapore travel policy fills the whole gap from around S$20 for a single trip, and it typically covers overseas medical, trip cancellation, baggage and personal liability. Many plans include COVID-19 medical costs too. Buy the policy before you leave, keep the confirmation, and use the card purely to pay and earn cashback.
- No. The Trust Bank Cashback Credit Card does not cover COVID-19 medical costs overseas, because the card carries no travel insurance at all. If you catch COVID-19 abroad and need treatment or a hospital stay, the bill is entirely your own, and MediShield Life does not pay for care outside Singapore. This trips people up, since several Singapore travel policies do include COVID-19 cover, but the card is not one of them. If COVID-19 protection matters for your trip, buy a standalone travel policy that lists COVID-19 medical and, ideally, trip cancellation among its benefits, and check the certificate wording before you rely on it.
- No. The Trust Bank Cashback Credit Card does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your phone screen cracks or the handset is stolen, the repair or replacement is your own cost, and a flagship screen repair alone runs about S$200 to S$600. The value of this card sits in cashback and low foreign-currency fees, not device or shopping protection. For phone cover you would need a separate gadget or mobile insurance policy, or a different card that specifically lists phone protection. Do not assume a cashback card includes device cover, because in Singapore that benefit is uncommon and is not attached to this card.
- For paying merchants abroad and earning cashback, the Trust Bank Cashback Credit Card is a practical card, and its Visa network with low foreign-currency fees is widely accepted. For protection, it is not enough on its own. The card provides no overseas medical, cancellation or baggage cover, so a trip paid entirely on the card is still an uninsured trip. The sensible setup is to use the card for spending and cashback, and pair it with a standalone travel policy that covers the medical and disruption risks. That policy starts at around S$20 for a single trip. With both in place, you keep the rewards and gain the protection the card does not provide.
Not just Trust Bank
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Cashback Credit Card is a strong choice — but depending on what you prioritize, one of these may suit you better.
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