Zerofy Card vs Trust Card – Which Card Saves You More Abroad?

Travel spending has become a major part of everyday consumer behavior in Singapore.

With international travel returning to pre-pandemic levels, many travelers are looking for payment cards that help reduce the cost of spending abroad.

Traditional credit cards often charge 3% to 3.5% foreign transaction fees, which can add significant costs to travel budgets.

Newer payment solutions aim to reduce these fees while offering additional rewards.

Two cards often compared by Singapore consumers are the Zerofy Card and the Trust Card.

While both cards offer cashback features, they are designed for different types of spending.

Trust focuses on cashback within the NTUC ecosystem and everyday purchases, while Zerofy emphasizes international spending with cashback rewards and minimal FX costs.

This guide compares the two cards to determine which option saves more money abroad.

Zerofy Card vs Trust Card: Quick Comparison

What Makes a Good Travel Card?

Choosing a travel card requires evaluating several important features.

FX Fees and Currency Conversion

Foreign transaction fees are often the largest travel expense hidden within card payments.

Even a 3% FX fee can add up quickly during a long trip.

Travelers should prioritize cards that minimize these costs.

Cashback on Overseas Spending

Most credit cards offer cashback only for domestic spending categories.

However, overseas spending often includes major expenses such as hotels and dining.

A card that offers cashback on international purchases can help reduce travel costs.

Ease of Use While Traveling

Convenience is also important.

Travel cards should provide:

• reliable payment acceptance abroad

• simple spending experience

• easy mobile app management

Cards that require complicated reward tracking can be inconvenient during travel.

FX Fees Comparison: Zerofy vs Trust Card

The Trust Card typically follows standard credit card FX pricing, meaning international purchases may incur additional fees.

These costs can add up quickly during travel.

For example:

$2,000 overseas spending × 3% FX fee = $60 additional cost

Zerofy removes this friction by offering 0% FX fees on overseas purchases.

For travelers who frequently spend internationally, this difference can result in noticeable savings.

Travel Savings Example

Imagine a traveler spending $2,500 during a vacation.

Typical expenses include:

• hotels

• restaurants

• shopping

• local transportation

With a traditional card that charges FX fees, additional costs may apply.

Using Zerofy with 0% FX fees and cashback rewards allows travelers to offset part of their travel expenses.

Hidden Fees Travelers Should Watch For

Common travel card costs include:

• FX conversion fees

• currency spread markup

• ATM withdrawal charges

• overseas service fees

Travelers should review these charges carefully when comparing payment cards.

When Trust Card Might Be Better

Trust may still be a strong option for certain users.

It may be better suited for people who:

• frequently shop within the NTUC ecosystem

• prioritize local cashback rewards

• prefer a traditional credit card structure

For domestic spending, Trust can offer meaningful rewards.

Why Zerofy Stands Out for Overseas Spending

Zerofy focuses specifically on improving the overseas spending experience.

Key benefits include:

• 0% FX fees

• cashback rewards on purchases

• no minimum spending requirement

• simple payment experience abroad

These features make Zerofy particularly appealing for frequent travelers.

Final Verdict: Zerofy vs Trust Card

Both Zerofy and Trust offer useful features depending on how the card is used.

The Trust Card is well suited for local spending and NTUC ecosystem rewards.

However, Zerofy offers stronger advantages for international travel spending.

With 0% FX fees and cashback rewards, Zerofy allows travelers to save money while spending abroad.

For travelers who want a simple and rewarding overseas payment card, Zerofy may provide better value.