4 Credit Cards You Can Use as Your EZ-Link Card

|Posted by | Credit Cards


Cut the clutter in your wallet by getting an all-in-one credit card that also works as an EZ-Link card.

Last updated on 9 March 2017. Credit card terms, conditions, and promotions are subject to change without prior notice.

Is your wallet bursting to the seams with too many cards? You might want to consider an all-in-one credit card that also functions as an EZ-Link card.

Besides freeing up precious wallet space, these cards come equipped with an EZ-Reload function. No need to queue at the machines – your EZ-Link balance gets automatically topped up and charged to the credit card. You can even earn rebates and points when the EZ-Reload feature kicks in!

Here are credit cards you can use as your EZ-Link card.

Best Credit Cards For EZ-Link Transactions

Credit Card

Cashback / Rewards for EZ-Link Transactions

Other Rewards

Standard Chartered Unlimited Cashback Credit Card 1.5% cashback on EZ-Reload top-up 1.5% on all eligible spend, with no cap and no minimum spend

3% cashback on foreign currency spend until 30 June 2017

20% cashback on Uber fares globally up to $50 each month until 30 September 2017

Citi SMRT Card 1.7% SMRT$ awarded for EZ-Reload transactions of more than $30

0.7% SMRT$ is awarded for EZ-Reload transactions of $30 or less

Additional 0.3% SMRT$ awarded with minimum spend of S$300 a month

No convenience fee charge for EZ-Reload Auto Top-up transactions

Up to 5% savings at FairPrice, Giant, and Sheng Siong

Up to 5% savings on coffee and fast food

Up to 1% savings on recurring bills (telco, insurance, newspaper subscriptions)

SingSaver.com.sg Exclusive: S$100 NTUC voucher when your card gets approved

DBS Live Fresh Card Automatically enrolled for EZ-Reload

1 DBS Point per S$5 spent

5% cashback when you shop online or use mobile payments (Apple Pay, Android Pay, Samsung Pay) until 31 March 2017
POSB Everyday Card 0.3% EZ-Link Rebate 5% rebate at Sheng Siong

3% rebate at Watson’s

1% rebate on recurring bills from SP Services and StarHub


1. Standard Chartered Unlimited Cashback Credit Card

At the top of this list is the Standard Chartered Unlimited Cashback Credit Card, the newest cash rebate card to hit Singapore. It comes enrolled for the EZ-Reload by Card service, which automatically tops up your card when your 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. We suggest keeping the default amount at S$50 so that you top up less frequently and avoid the convenience fee.

On the bright side, your EZ-Reload top-ups are counted as retail spend. This means that the Unlimited Cashback Card gives you 1.5% cashback every time you use the EZ-Reload function. You also get 20% cashback on Uber rides when you spend at least S$600 a month on your card, and no admin fees for SMRT Taxi rides.

When it comes to saving money on transport, this cashback card packs a lot of punch.

Get This Card If You…

Want an uncomplicated cashback card. The Unlimited Cashback Credit Card is one of the most easy-to-use cash rebate cards in Singapore. You earn 1.5% on all retail spend, and 3% cashback on all foreign currency spend until 30 June 2017. Unlike the average cashback card, this one has no minimum spend required and no limits to the rebates you can earn. Perfect for those who can’t be bothered to allocate separate rebate cards for certain types of spend.

Want to earn easy rebates from EZ-Reload. While there are other cards that provide rebates for EZ-Reload top-ups (see below), there’s a lot of fine print that comes with earning them. With the Unlimited Cashback Credit Card, earning the 1.5% rebate is as simple as letting the EZ-Reload function do its thing.

citi smrt card

2. Citi SMRT Card

The Citi SMRT Card is the only credit card in Singapore that has a partnership 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 above S$30, you’ll get to save quite a bit after a year.


The rebates are rewarded in SMRT$, which in turn can be redeemed for vouchers or free rides. 1 SMRT$ 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 accumulated in a year (SMRT vouchers come in denominations of 10).

However, there are some conditions that have to be fulfilled in order to qualify for the 2% rebate.

You’ll need to spend a minimum of S$300 on the Citi SMRT Card per month, or you’ll only get a 0.3% rebate. You can also only earn up to 600 SMRT$ in a year.

On top of this, each EZ-Reload transaction has to be S$30 and above; anything below this amount only earns 1% SMRT$. 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, which are usually at S$0.25 per transaction. And if you can meet the minimum spend, you can save quite a bit on your train rides when redeemed for vouchers.

Get This Card If You…

Want to earn rebates from your commute, and want to get 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 grocery vouchers. You also save more on groceries if you apply for the Citi SMRT Card through SingSaver.com.sg! All approved applicants will receive a S$100 NTUC voucher until 31 March 2017.

smrt dbs live fresh

3. DBS Live Fresh Card

Unlike the other cards on this list, the DBS Live Fresh Card offers DBS Points instead of rebates.

For every S$5 spend on EZ-Reload, you’ll receive 1 DBS Point. You can redeem DBS Points for vouchers or air miles. Some examples are 600 DBS Points for a S$10 Ben & Jerry’s voucher, or 500 DBS Points for 1,500 Big Points on AirAsia’s loyalty program.

There is no limit to how many DBS Points you can collect from EZ-Reload a year, and there is no minimum spend to qualify.

We like that you wouldn’t have to queue at a TransitLink office to activate the EZ-Link function on the card. You’ll receive a text 10 days after applying for the DBS Live Fresh Card with an activation code, which you can use at any ticketing machine.

The default EZ-Reload amount is set at S$40. You can change this any time, but it will take up to four weeks to reflect the new amount. Convenience fees for DBS Live Fresh EZ-Reload function are also waived.

Get This Card If You…

Have a DBS savings account. On top of using this credit card as an EZ-Link card, you can also link your DBS savings account with it and use it as your ATM card.

Also love online shopping. Cardmembers get 5% cashback when you shop online or use mobile payments (Apple Pay, Android Pay, Samsung Pay) until 31 March 2017

smrt posb everyday card

4. POSB Everyday Card

Starting 1 May 2016, the POSB Everyday Card only offers 0.3% rebate for EZ-Reload transactions – which is to say, not much. But it’s definitely better than nothing at all.

To activate the EZ-Link function on the POSB Everyday Card, you will receive an activation code within 10 days of applying for the card which you can then use at a ticketing machine. Its default EZ-Reload amount is set at S$50, and there are no convenience fees for any EZ-Reload transactions.

Get This Card If You…

Don’t want to pay annual fees for two years. The POSB Everyday Card is one of the few credit cards in the market that waives off the first two years of annual fees.

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 everyday spend.

Earn More With Perx by EZ-Link

Anyone with an EZ-Link credit card can sign up for Perx, a rewards program by EZ-Link. Perx rewards you with 25 points for every trip you take using your EZ-Link card.

But if you use any of the three credit cards we just mentioned, you’ll receive double the points! Get 50 points for every trip using your EZ-Link credit card. You can redeem these points for vouchers such as a S$10 PasarBella voucher (costs 1,000 points, which is equivalent to 20 rides).

All you have to do is download the Perx app on your phone (available on Google Play or Apple App Store) and link your EZ-Link credit card to your Perx account.

Use SingSaver.com.sg to compare credit cards and find one that’s right for you.

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Lauren Dado

By Lauren Dado
Lauren has been a content strategist and digital marketer since 2007. As SingSaver.com.sg’s Content Manager, Lauren edits and publishes personal finance stories to help Singaporeans save money. Her work has appeared in publications like Her World, Asia One, and Women’s Weekly.