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.

With the current work-from-home situation due to COVID-19 and the adjusted MRT frequency, we’re not taking public transport as much as we used to. But there are still situations that might require us to take public transport (or if you’re an essential worker).

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. 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 several credit cards you can use on public transport that give you the most generous rewards. 


SingSaver Exclusive Promotion: Receive a set of Sony WH-XB900N Wireless Extra Bass Noise Cancelling Headphones (worth $349) or a set of Apple AirPods with Charging Case (worth $239), when you apply for the Standard Chartered Unlimited or Standard Chartered Rewards+ credit card!

To be eligible for this promotion, you’ll have to be a new Standard Chartered Bank cardholder and activate your new card within the first 30 days of card approval. Also, a min. spend of $80 is required. If you already have a Standard Chartered credit card, you’ll be rewarded with $30 cash via PayNow when you sign up. Promotion is valid till 25 January 2021, T&Cs apply.


Best Credit Cards for EZ-Link/ Public Transport Transactions

Credit CardCashback/RewardOther benefits
Citi SMRT Platinum Visa Card2% SMRT$ is awarded for EZ-Reload transactions more than $30
1% SMRT$ is awarded for EZ-Reload transactions of $30 or less
Note: Minimum monthly retail purchases of $300 to enjoy this reward
Up to 5% savings at major supermarkets, fast food, movies, coffee and online shopping
UOB PRVI Miles1.4 miles per S$1 spend on local bus and train rides via mobile contactlessNo minimum spend required
3 miles per $1 spend on selected online transactions
1.4 miles per $1 local spend
OCBC Frank Card6% cashback6% cashback on online spend
6% cashback on contactless mobile payments and foreign currency spending made in-store
0.3% on all other purchases
DBS Live Fresh CardUp to 5% cashback on public transport rides with SimplyGoUp to 5% cashback on online and Visa contactless spend
Earn 1.60% p.a or more when paired with DBS Multiplier account
DBS Altitude Visa 1.2 miles per dollar (Trains, bus and taxi rides, and Singapore Airlines tickets purchased on DBS Travel MarketPlace.)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 spent on selected online flight and hotel transactions

Up to 4 miles per dollar spent on groceries or dining from the comfort of your home
UOB Lady’s Card 10x UNI$ (20 miles) per $5 spend Earn 4 miles per dollar when you choose from 7 categories: Beauty/wellness, Fashion, Dining, Family, Travel, Transport and Entertainment.
CIMB Platinum Mastercard10% cashbackEarn 10% cashback across 5 categories: Wine & Dine, Transport & Petrol, Travel in Foreign Currency, Health & Medical and Electronics & Furnishing.

0.2% cashback on all other purchases
Maybank Family & Friends Card8% cashbackEnjoy 8% cashback in Singapore and Malaysia across 3 categories: Groceries, Fast Food & Food Delivery, and Transport and Petrol

Enjoy 8% cashback in Singapore across 2 more categories: Data Communication & Online TV Streaming and Learning & Retail

0.3% cashback on all other purchases

1. Citi SMRT Platinum Visa CardCiti 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. You can use this card for either EZ-Reload or SimplyGo.

At 2% rebate for any EZ-Reload transactions over $30, you’ll save quite a bit after a year. The rebates are rewarded in SMRT$, 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 $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 $300 per month, failing which you only qualify for a 0.3% rebate. You can also only earn up to 600 SMRT$ in a year.

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

Alternatively, you can also tap to pay for your public transport fares directly. You will need to activate the SimplyGo function at any General Ticketing Machine to switch your payment mode from EZ-Link to contactless payment to use SimplyGo. Unlike the 2% earn rate for EZ-Reload, you will only earn 0.3% rebate when you spend more than $300 a month, or no rebate at all if you fail to spend at least $300.

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.


SingSaver exclusive promotion: Receive a set of AirPods Pro (worth $379) or $300 cash via PayNow when you apply and make a qualifying spend of $200 within 30 days of card approval. Existing cardmembers receive $30 cash via PayNow. Valid till 24 January 2021. T&Cs apply. Pick your Citibank card here!


Citi SMRT Card

2. UOB PRVI Miles Card

The best miles credit card for public transport currently is the UOB PRVI Miles card, giving 1.4 miles per $1 spend on local bus and train rides via mobile contactless.

This refers to the likes of Apple Pay, Fitbit Pay, Google Pay or Samsung Pay. Instead of tapping the card directly on the terminal, you will have to add this card to your mobile contactless wallet in your smartphone. You can then use this card registered in your phone to tap on the terminal just like your EZ-link card.

Read our full review of the UOB PRVI card here.

Get This Card If You…

Want an airmiles card that has a high miles earn rate. The UOB PRVI miles card gives your 1.4 miles per $1 spent locally. This offers a high earn rate of 1.4mpd compared to most miles credit cards that offer 1.2 mpd.

UOB PRVI Miles also has an ongoing offer that rewards cardholders with 3 miles per $1 spent on selected online transactions.

Want to travel to the airport in style. With the UOB PRVI miles, you will enjoy complimentary airport transfers to Changi Airport. You will have to call 6651 2253 between 9am to 6pm to make your booking at least 2 days before the pickup date. 

SingSaver Promotion: Get $50 cash credit when you apply as a new UOB cardmember and make a minimum spend of $500. This promotion is valid for the first 200 new UOB cardmembers from now till 31 January 2021.

3. OCBC Frank Card

Get 6% cashback when you pay for your transport with SimplyGo.

OCBC Frank offers 6% cashback for three distinct categories: online spending, contactless mobile payments and foreign currency spending made in-store and others.

This means that you enjoy 6% cashback when you spend online or when you use your Apple Pay, Samsung Pay, Google Pay, Fitbit Pay or Garmin Pay to make payments. Besides transport, you can use this card for other types of spending such as food, groceries, pet supplies, shopping apps and travel bookings.

You will have to spend a minimum of $600 every month to earn the 6% cashback. There is also a cashback cap of $25 per category. You can read our full review on OCBC Frank and reasons why you should sign up for this newly relaunched card.

Get This Card If You…

Are looking for a convenient cashback card. With cashback for contactless mobile payment, you won’t even need to bring this card around physically. Enjoy 6% cashback whenever you tap to pay with your mobile phone or even with your smart watch.

Want a cashback card that’s good for all life stages. With categories defined as online spending, contactless mobile payments and others, you can opt to spend online on your favourite retail store for the latest fashion pieces or buy groceries on Redmart for your family—either way, you’ll be earning 6% cashback.

4. DBS Live Fresh Card

Earn 5% cashback on your everyday rides on the bus/train with SimplyGo.

Similar to the OCBC Frank, the DBS Live Fresh card requires you to spend a minimum of $600 in a calendar month. Note that cashback is capped at $20 on Online spend, $20 on Visa contactless spend and $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 account and earn 1.6% p.a. or more per annum in interest.

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


DBS Promotion: Get up to $220 cashback when you apply and spend on one of these participating DBS/POSB credit cards.

Simply enter promo code AXS200 in your application to qualify. Promotion is valid till 31 January 2021. You’ll have to be a new DBS/POSB credit cardholder and make a min. spend of $1,200 within 60 days of card approval to be eligible. Terms and conditions apply.

If you’re not a new DBS/POSB credit cardmember, consider these promotions instead.


DBS Live Fresh Student Card

5. DBS Altitude Visa

The DBS Altitude Visa offers 1.2 miles per dollar on all public transport rides paid using SimplyGo. The fares will be charged directly to your card upon usage (no top-ups or reloads required).

If you travel frequently, the DBS Altitude rewards you with bonus miles for all your travel-related expenses. Read the full DBS Altitude card review 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 Promotion: Get up to $220 cashback when you apply and spend on one of these participating DBS/POSB credit cards.

Simply enter promo code AXS200 in your application to qualify. Promotion is valid till 31 January 2021. You’ll have to be a new DBS/POSB credit cardholder and make a min. spend of $1,200 within 60 days of card approval to be eligible. Terms and conditions apply.

If you’re not a new DBS/POSB credit cardmember, consider these promotions instead.


DBS Altitude Card

6. UOB Lady’s Card

A card that gives you the choice to select your preferred category based on your current spending habits. Earn 10x UNI$ (20 miles) per S$5 spend when you choose from 7 categories: Beauty and wellness, Fashion, Dining, Family, Travel, Transport and Entertainment.

You also have the freedom to change this category every quarter, to suit your changing lifestyle and interests.

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.

SingSaver Promotion: Get $50 cash credit when you apply as a new UOB cardmember and make a minimum spend of $500. This promotion is valid for the first 200 new UOB cardmembers from now till 31 January 2021.

UOB Lady's Card

7. CIMB Platinum Mastercard

Earn 10% cashback on public transport rides via SimplyGo.

This 10% cashback doesn’t just apply to public transport. It counts modes of transport like taxis and private hire vehicles along with petrol top-ups. Additionally, you enjoy the same cashback rate across 4 more categories. These include Wine & Dine, Travel in Foreign Currency, Health & Medical, and Electronics & Furnishing.

Do note that the cashback rate is capped at $20 per category and requires a minimum spend of $800.

Get This Card If You…

Spend a lot of time out of your home. The 10% cashback rate for transport and dining work well in tandem. Dining in this case includes nightlife venues like pubs or bars, allowing for greater flexibility.

Want a fuss-free credit card. There are no annual fees for both primary and supplementary cardmembers. Both types enjoy identical benefits, to boot.

Lucky draw: Participate in the CIMB Pays My Card Bills Lucky Draw from now till 28 February 2021.

  • Grand prize: 3 winners will be chosen to have 6 months’ worth of credit card bills paid for.
  • Monthly prize: 1 lucky winner will be chosen each month to receive $1,000 cash credit.
  • Every $10 online spend earns 10 chances. All other $10 spending blocks earn 1 chance. Existing CIMB principal cardmembers must first register to participate in the promotion while new CIMB cardmembers approved during the promotion period will be auto-enrolled into the promotion. Terms and Conditions apply.

8. Maybank Family & Friends Card

The Maybank Family & Friends Card might be the most versatile card on this list. You enjoy 8% cashback across 3 categories in Singapore and Malaysia and an additional 2 only in Singapore. The former categories include Groceries, Fast food & Food Delivery, and Transport and Petrol.

The Singapore-only categories consist of Learning & Retail and Data Communications & Online TV Streaming.

The 8% cashback rate caps out at $80 and requires a minimum monthly spend of $800. You earn 0.3% cashback thereafter and for spending on other categories.

Get This Card If You…

Travel between Singapore and Malaysia a lot. This credit card is perfect if you drive across the causeway often to stock up on groceries and for post-shopping meals.

Need a daily driver. The 8% cashback rate for the Maybank Family & Friends Card includes products and services that are used every day. These include your telco or Netflix subscription and when you stock up on stationery and books.

SingSaver Promotion: Get S$100 cashback with a min. spend of S$250 per month for two consecutive months upon card approval. Valid for new Maybank cardholders till 31 December 2020. Terms and Conditions apply.

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?

Read these next:
Food Delivery Promo Codes 2021: GrabFood, Deliveroo, Foodpanda, WhyQ
Use These 6 Credit Cards To Pay For Your Grab Rides
Which Online Grocery in Singapore Delivers the Biggest Savings?
Best Credit Cards for Paying Utility Bills in Singapore
6 Credit Cards That Give Free Access To Airport Lounges


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.