Singapore markets close in 12 minutes

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

Alevin Chan
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 Circuit Breaker and 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. 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

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/Reward Other benefits
Citi SMRT Card 2% 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 Miles 4.4 miles per S$1 spend on local bus and train rides via mobile contactless No minimum spend required
3 miles per $1 spend on selected online transactions
1.4 miles per $1 local spend

DBS Live Fresh Card Up to 5% cashback on public transport rides (includes Grab, GoJek, SimplyGo rides) Up to 5% cashback on online and Visa contactless spend
Earn 1.85% p.a when paired with DBS Multiplier account
POSB Everyday Card 0.3% EZ-Link rebate Up to 15% rebate on groceries and 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 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 Earn 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.

1. 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. 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.

Citi SMRT Card

Apply Now

2. UOB PRVI Miles Card

The best miles credit card for public transport currently is the UOB PRVI Miles card, giving 4.4 miles per S$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.

Do note that there is a cap of S$80 transit spend per month. This promotion runs from from 1 Jan till 30 Jun 2020.

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. 

Apply Now

3. DBS Live Fresh Card

From now till 30 June 2020, you can enjoy up to 10% cashback on online spend and visa contactless spend. You also earn 5% cashback on your everyday rides on the bus/train with SimplyGo.

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 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).

DBS Live Fresh Student Card

Apply Now

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 $50, and the $0.25 convenience fees are also waived.

Get This Card If You…

Want to save on food delivery. With up to 15% cash rebates on online food delivery and online food catering, 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

Apply Now

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).

From now till 30 June 2020, you can earn up to 4 miles per dollar spent when you use the DBS Altitude credit card to shop for your groceries or dine at the comfort of your home.

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 Card

Apply Now

6. UOB Lady’s Card

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.

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.

If you’d love to go on a year-end shopping spree, you might want to consider applying through SingSaver to get up to $150 cashback.

UOB Lady's Card

Apply 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

Read these next:
Food Delivery Promo Codes 2020: GrabFood, Deliveroo, Foodpanda, WhyQ
Use These 6 Credit Cards To Pay For Your Grab Rides In 2020
Which Online Grocery in Singapore Delivers the Biggest Savings?
RedMart Promo Codes And Vouchers
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.

The post 6 Credit Cards You Should Use as Your EZ-Link Card appeared first on SingSaver Blog - We Compare, You Save.