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

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Certain credit cards can double up as your EZ-Link card

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

Is your wallet bursting with too many cards? You might want to consider an all-in-one credit card that also doubles up as an EZ-Link card. What that means is that you can earn cash back and rebates with every tap on public trains or buses.

Besides freeing up precious wallet space, these EZ-link 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. 

Even better: Since early 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 four 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 eligible spend, no cap, no minimum spend
  • 3% cashback on overseas spend for first 3 months
  • Up to $100 cashback upon approval
Citi SMRT Card
  • 1.7% SMRT$ awarded for EZ-Reload transactions over $30
  • 0.7% SMRT$ awarded for EZ-Reload transactions under $30
  • Additional 0.3% SMRT$ awarded with min. spend of S$300/month
  • No convenience fee charge for EZ-Reload Auto Top-up
  • Up to 5% savings at FairPrice, Giant, and Sheng Siong
  • Up to 5% savings on movies, coffee and fast food
  • Up to 3% savings on online shopping
  • Up to 5% savings on selected transactions with Citibank OneBill
  • Up to 1% savings on selected telecom bills
DBS Live Fresh Card
  • Automatically enrolled for EZ-Reload
  • 5% cashback on online shopping and Visa payWave (including Apple Pay, Samsung Pay and Google Pay)
  • Up to $100 cashback on online application
POSB Everyday Card
  • 0.3% EZ-Link Rebate
  • Up to 20% rebate on dining and online food delivery for new cardmembers (until 30 Nov 2018)
  • 10% rebate on Comfort Taxi rides (until 30 Nov 2018)
  • 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, 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, and 3% cash back on all foreign currency spend for the first 3 months upon card activation.

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.

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.

2. Citi SMRT Card - SingSaver


3. DBS Live Fresh Card

The DBS Live Fresh Card comes auto-enrolled to EZ-Reload, making it the most convenient EZ-Link credit card of the lot.

No need to queue at an TransitLink office, you’ll receive a text with an activation code 10 days upon approval of the DBS Live Fresh Card.

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.

This card also gives you 5% cashback on all online transactions and Visa payWave spends (including Apple Pay, Samsung Pay and Google Pay). Earn up to $60 cash back with this card: $20 on online transactions, $20 on payWave spends and $20 on all other spends, with a minimum spend of $600 per month.

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 and use it as your ATM card.

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


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


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.

If you use any of the three credit cards above, you’ll receive double the points!

Get 50 points for every trip using your EZ-Link credit card. Redeem these points for vouchers such as a S$10 PasarBella voucher (costs 1,000 points, equivalent of 20 rides).

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.

Compare and apply for the best deals on credit cards with SingSaver

Read this next:

Cashback or Rewards Credit Cards: Which is Better?
6 Credit Cards That Give Free Access To Airport Lounges
Amex, Mastercard or Visa: Which is Better for Travel?

Alevin ChanBy 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.