6 Credit Cards You Should Use as Your EZ-Link Card

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4 Credit Cards You Can Use As Your Ez-link Card | SingSaver


Earn cashback, miles and rebates with an all-in-one credit card that can also double up as your EZ-Link/public transport card on trains and buses.

Commuters can now tap any MasterCard/Visa credit card to pay for public transport under LTA’s SimplyGo scheme. No need to carry or even top up your EZ link card anymore! Even better, if the Visa or Mastercard credit card is stored on your smartphone, you can even leave the credit card at home.

To do this, simply:

1. Add Mastercard/Visa credit card under ApplePay or AndroidPay  on your smartphone. 

2. Upon approaching a gantry, enable face ID/ verification and hold your phone near the gantry and voila!

3. <OPTIONAL> Download SimplyGo mobile app to track public transport expenses. If not, your card issuer should also issue you a mobile phone notification about the expense. 

This also means you now have a brand new way to earn air miles/cashback on public transport. Check out this article on the best cards to use to earn miles on bus and MRT rides.

Credit Cards You Can Use With Your EZ-Link Card
With SimplyGo, you can now use any Mastercard or Visa Card to pay for bus or MRT fares.

Now that you have an all-in-one credit card that also doubles up as an EZ-Link card, you can even leave your wallet at home. But which cards give you the most cashback and rebate with every tap on public trains or buses?

The following credit cards also come with an automatic top-up option when your EZ-Link balance is low, which is again charged to the credit card. Since 2018, EZ-Link cards can also be used at hawker stalls accepting NETS FlashPay transactions. Yep, your EZ-Link enabled credit card can now double up as your transport and lunch card! Here are five credit cards you can use on public transport that give you the most generous rewards. 

Best Credit Cards for EZ-Link/ Public Transport Transactions

Credit Card Cashback/RewardOther benefits
SCB Unlimited Cashback Credit Card 1.5% cashback on eligible spend, no cap, no minimum spendIncrease cashback to 5% with paired with Standard Chartered Unlimited$aver account
Citi SMRT CardEarn 0.3% SMRT$ (10 SMRT$ = $10 cash rebate) on EZ-Reload top-upUp to 5% savings at major supermarkets, fast food, movies, coffee and online shopping
DBS Live Fresh CardUp to 5% cashback on public transport rides (includes Grab, GoJek)Up to 5% cashback on online and Visa contactless spend
Earn 1.85% p.a when paired with DBS Multiplier account
POSB Everyday Card0.3% EZ-Link rebateUp to 15% rebate on dining (inc. online food delivery)

Up to 20.1% fuel savings at SPC
5% rebate at Sheng Siong, 3% rebate at Watson’s
1% rebate on recurring bills from selected electricity providers
DBS Altitude Visa 4 miles per dollar (until 31 Dec 2019, capped at $1,200. Only valid for Simply Go rides. Register for offer here) No expiry date for air miles conversion
Complimentary travel accident insurance of up to $1,000,000 when you charge the full travel fare to your card
3 miles per dollar spend on selected online flight and hotel transactions
UOB Lady’s Card 4 miles per dollar (only applies if  “Transport” is selected as your preferred category for 10X) Earn 4 miles per dollar when you choose from 7 categories: Beauty/wellness, Fashion, Dining, Family, Travel, Transport and Entertainment.

1. Standard Chartered Unlimited Cashback Credit Card

At the top of this list is the Standard Chartered Unlimited Cashback Credit Card, among the newest cash rebate card to hit Singapore. It comes with the EZ-Reload by Card service, which automatically tops up your card when the balance runs low.

The default auto top-up amount is set at S$50.25, with S$0.25 being the convenience fee charged by EZ-Link. You can change the auto top-up amount any time, but Standard Chartered cannot waive the convenience fee. To avoid this pesky fee, reduce the number of top-ups you make.

On the bright side, your EZ-Reload top-ups are counted as retail spend. This means you earn 1.5% cash back every time you top up your EZ-Link card.

Get This Card If You…

Want an uncomplicated cashback card. The Unlimited Cashback Credit Card is one of the easiest-to-use cash rebate cards in Singapore. Earn 1.5% on all local retail spend.

What sets this cash back card apart is that there’s no minimum spend required and there are no limits to the total rebate amount. Perfect for those who don’t want separate rebate cards for certain types of spend.

Want to earn easy rebates from EZ-Reload. Other EZ-link credit cards may provide rebates for EZ-Reload top-ups (see below) but they come with conditions like minimum spend or maximum rebate amounts. With the Unlimited Cashback Credit Card, earning the 1.5% rebate is as simple as letting the EZ-Reload function do its thing. Do note that after 3 Dec 2019, all newly issued Unlimited Cashback Credit Cards will no longer come with the EZ-Link facility. So don’t wait too long to hit the apply now button below!

Standard Chartered Unlimited Cashback Credit Card - SingSaver

2. Citi SMRT Card

The Citi SMRT Card is the only credit card in Singapore that partners with one of Singapore’s major transport companies. Simply activate the card at TransitLink office to use it as your EZ-Link card.

At 2% rebate for any EZ-Reload transactions over S$30, you’ll save quite a bit after a year. The rebates are rewarded in SMRT$, which can be redeemed for vouchers or free rides. 1 SMRT$ is equal to S$1 worth of vouchers, which means that you can earn S$40 worth of SMRT vouchers with the SMRT$48 you accumulate in a year (SMRT vouchers come in denominations of 10).

But the 2% rebate comes with strings attached: you need to spend a minimum of S$300 per month, failing which you only qualify for a 0.3% rebate. You can also only earn up to 600 SMRT$ in a year.

Each EZ-Reload transaction must also be over S$30; anything below earns 1% SMRT$. Fortunately, the default EZ-Reload amount is set at S$30, which can be changed at any time.

The great thing about this card is there are no convenience fees for EZ-Reload top-ups, usually charged at S$0.25 per transaction. And if you can meet the minimum spend, you save quite a bit on your train rides when redeemed for vouchers.

Get This Card If You…

Want to earn rebates and free train rides with your rebates. In addition to the 2% rebate from EZ-Reload transactions, you can also earn up to 5% rebate at groceries, 5% rebate on coffee and fast food, and 1% rebate on recurring bills.

Want extra household savings or Grab discounts. You also save more on groceries, shopping or Grab rides if you apply for the Citi SMRT Card through SingSaver! All approved applicants will receive $200 vouchers or codes of your choice: NTUC FairPrice, Takashimaya or Grab.

Citi SMRT Card - SingSaver

3. DBS Live Fresh Card

Enjoy up to 5% cashback on your everyday rides for the first 180 days from your card approval Date before 31 March 2020 and spend a minimum of S$600 in a calendar month. Note that cashback is capped at S$20 on Online spend, S$20 on Visa contactless spend and S$20 on all other spend for each calendar month.

Get This Card If You…

Have a DBS Multiplier account. On top of using this credit card for public transport rides, you can also link your card to your DBS Multiplier accpunt and earn up to 1.85% interest per annum.

Also love online shopping. Cardmembers get 5% cash back when you shop online or use mobile payments (Apple Pay, Android Pay, Samsung Pay).

Apply for DBS Live Fresh credit card
DBS Live Fresh Card

4. POSB Everyday Card

The POSB Everyday Card only offers 0.3% rebate for EZ-Reload transactions – which is to say, not much. But it’s better than nothing at all.

Activating the EZ-Link function on the POSB Everyday Card is also convenient: you will receive an activation code within 10 days of applying for the card which you can then use at a ticketing machine.

Note that the default EZ-Reload amount is set at S$50, and the $0.25 convenience fees are also waived.

Get This Card If You…

Want to save on food delivery. With up to 20% savings on online food delivery, enjoy more of your favourite meals for less.

Are looking for an easy everyday cashback card. With cashback at Sheng Siong, Watson’s, StarHub and utility bills, this handy card helps you cut costs on daily spend.

POSB Everyday Card - SingSaver
Apply for credit card now

5. DBS Altitude Visa

From now until 31 Dec 2019, the DBS Altitude Visa offers 4 miles per dollar on all public transport rides paid using SimplyGo, capped at a total spend of $1,200. Register for offer here.

Get This Card If You…

Plan to spend on flights and hotels: Enjoy 3 miles per dollar on selected online flight and hotel transactions.

Want complimentary travel accident insurance of up to $1,000,000 when you charge the full travel fare to your card.

DBS Altitude
Apply for credit card now

6. UOB Lady’s Card

Earn 4 miles per dollar when you choose from seven categories: Beauty and wellness, Fashion, Dining, Family, Travel, Transport and Entertainment. 

Get This Card If You…

Spend regularly on one of seven categories: Enjoy 4 miles per dollar on beauty and wellness, fashion, dining, family, travel, transport and entertainment. You’ll have to choose one category to enjoy the 4 miles per dollar earn rate.

Intend to splash out on a new luxury shoe or handbag: With the Lady’s LuxePay Plan, put your new luxury purchase (shoes and bags) worth S$500 or more (local, online or overseas) on a 6 or 12-month instalment payment plan, absolutely free.

UOB Lady's Card
Apply for credit card now

Did You Know?

Anyone with an EZ-Link credit card can sign up for the EZ-link app, an app designed to help you maximise your EZ-link card. Through the app, you can join partner reward programmes with NTUC plus!, and even telcos like Circles.Life to make the most out of your daily commute. That means that your daily travels can qualify you for grocery or even data perks, all without any additional effort! Who says public transport can’t be fun?

Compare Best Credit Cards

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Cashback or Rewards Credit Cards: Which is Better?
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Amex, Mastercard or Visa: Which is Better for Travel?


Alevin Chan

By Alevin Chan
A Certified Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimize happiness and enjoyment in his life.