Best EZ-Link Reload Credit Cards 2024
If you'd like to combine your credit card with your EZ-Link Card for mass transit, the following card selection can help you find one best suited to your needs. These cards are excellent for earning rewards on your daily commutes and public transportation use, though each has its own unique strengths.
| Best EZ-Link Reload Credit Cards | ||
|---|---|---|
| EZ-Link, No Min. Spend | Citi SMRT | All-in-one rebate card, no minimum requirement |
| EZ-Link + SimplyGo | DBS Live Fresh | 5% cashback on online & contactless spend |
| EZ-Link, No-Fee | OCBC Frank | 6% online, 5% entertainment rebate, low S$400 minimum |
| Versatile Rebates + SimplyGo | POSB Everyday | 15% rebate on online food delivery & public transit + more |
Rebate Credit Card with EZ-Link + No Minimum Spend Requirement: Citi SMRT Card
- Pros
- Good rewards rates for modest budgets
- SMRT$ rewards on EZ-Reload transactions
- Cons
- Not suitable for higher budgets
- Lacks travel and overseas rewards
- None currently available
Citi SMRT Card is the best rebate credit card in Singapore with Ez-Link, here's why.
If you’re a young professional and want to access top rewards rates–even with a lower budget–Citi SMRT Card is the best option for you. Cardholders can earn up to 5% cashback on groceries and 5% online. Even better, consumers can access these rates immediately, with no minimum spend requirement–competitor cards have minimum requirements of S$600+. Rebates are merchant-limited, but the selected merchants are fairly popular.
Another benefit of Citi SMRT Card is that it’s EZ-Link compatible and Auto Top-Ups earn 5% rebate. Most cards exclude such transactions from earning cashback, making this card an even better fit for frequent commuters. Overall, cardholders can earn up to S$50/month and don’t need to pay the S$192.6 fee for 2 years. This allows young professionals to easily earn on everyday spend even if they’re on a budget, while also enjoying great commuter benefits.
- Annual fee: S$192.6, 2-year waiver
- Up to 5% rebate on groceries, 5% online shopping
- EZ-Reload functionality with 5% rebate on Auto Top-Ups
- Up to 14% fuel savings with Esso & Shell
- Annual fee: S$192.6, 2-year waiver
- Up to 5% rebate on groceries, 5% on fast food, moves & coffee, 3% online shopping, 2% on health & wellness
- EZ-Reload functionality with 2% rebate on Auto Top-Ups
- Up to 14% fuel savings with Esso & Shell
Best Cashback Credit Card for EZ-Link + SimplyGo: DBS Live Fresh Card
- Pros
- Great rewards on contactless payment methods (Visa payWave)
- Green cashback on eco-eateries and retailers
- Various entertainment discounts and promotions
- Cons
- Lacks travel and overseas spend rewards
- Not suitable for low budgets
- New DBS/POSB cardmembers can get S$150 cashback when you apply through ValueChampion
- Enter the promo code 150CASH and spend a minimum of S$800 within 60 days of card approval to be eligible
DBS Live Fresh Card is the best cashback credit card in Singapore with Ez-Link, here's why.
DBS Live Fresh Card is a great match for tech-friendly consumers who are comfortable spending most of their budget online or via contactless payments. Cardholders earn 5% rebate for spend in both of these categories after a S$600 minimum requirement, plus 0.3% on general spend. Overall, people who are comfortable using mobile wallets can easily earn on all of their spend, online and offline, and can earn up to S$60/month (S$20/category). And, because DBS Live Fresh Card has EZ-Link functionality, consumers can further streamline their wallet. As a final perk, the card also has SimplyGo, which allows cardholders to make contactless fare payments on public transit (bus rides, MRT). Ultimately, DBS Live Fresh Card is an excellent option for convenience and mobile payments.
- Annual fee: S$128.4, 1-year waiver
- 5% rebate on online spend & contactless purchases
- All-in-one card with EZ-Link functionality, SimplyGo
- Annual fee: S$128.4, 1-year waiver
- 5% rebate on online spend & contactless purchases
- All-in-one card with EZ-Link functionality, SimplyGo
Best No-Fee Rebate Credit Card with EZ-Link: OCBC Frank Card
- Pros
- 6% rebate on online, mobile contactless, and FX spend
- Fee waiver with S$10,000 annual spend
- Cons
- 0.3% rebate on general purchases
- Annual fee after 2 years
- Capped cashback at S$75
OCBC Frank Card is the best no-fee rebate credit card in Singapore with Ez-Link, here's why.
Young adults who spend a lot online and on weekend entertainment may be especially interested in OCBC Frank Card. This card stands out for its low minimum requirement–after just S$600 offline spend, cardholders can enjoy 6% cashback on FX, online and mobile contactless spend. The S$600 minimum spend is quite an achievable requirement for budgeted consumers. An additional 0.3% is offered for all other purchases. OCBC Frank Card also has SimplyGo functionality, and cardholders earn a fee-waiver with just S$10,000 annual spend. With the potential to earn up to S$75/month (S$25/online, S$25/FX & mobile contactless, S$25/general). OCBC Frank Card is an exceptional option for young, social spenders on a budget.
- Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
- 6% rebate on FX & mobile contactless expenditures
- 6% rebate on online purchases
- Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
- 6% rebate on FX & mobile contactless expenditures
- 6% rebate on online purchases
Rebates on Essentials + SimplyGo Perks: POSB Everyday Card
- Pros
- Benefits highly diversified spend with large food budgets
- Great fit for commuters seeking a convenient, an all-in-one card
- Cons
- Not suitable for consistent spend of S$2k+/mo
- Lacks travel rewards
- Has an annual fee
POSB Everyday Card is the best rebate credit card in Singapore with Ez-LInk on essentials, here's why.
It's important to mention upfront that POSB Everyday Card no longer has EZ-Link functionality. However, the card is now ABT-enabled with SimplyGo, which allows cardholders to make contactless payments of public transit fares (buses & MRT), therefore eliminating the need for top-ups. Additionally, the card offers high promotional rates for essential spend categories, making it a great fit for everyday spenders. While these rates change, cardholders can typically earn up to 8% cashback in areas such as online food delivery, dining, groceries, transport, personal care and recurring bills. Merchants are often limited within some–but not all–categories. Nonetheless, the transit perks and high rates make POSB Everyday Card a great match for the average consumer.
- Annual fee: S$194.40 (first year - waived)
- 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ ) and 3% on other dining spend
- 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart, iHerb & Taobao)
- 3% cash rebates on dining spend
- 0.3% cash rebate on all other spend
- DBS Payment Plan: pay 0% interest, up to 24 months
- Annual fee: S$194.40 (first year - waived)
- 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ ) and 3% on other dining spend
- 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart, iHerb & Taobao)
- 3% cash rebates on dining spend
- 0.3% cash rebate on all other spend
- DBS Payment Plan: pay 0% interest, up to 24 months
Summary of Best EZ-Link Reload Credit Cards for 2024
Below, we've prepared a summary of our picks for the best EZ-Link Reload credit cards for 2024.
| Card | Best for... | Annual Fee | |
|---|---|---|---|
| OCBC Frank | EZ-Link, No-Fee | S$80.0 (waiver) | |
| DBS Live Fresh | EZ-Link & SimplyGo | S$128.4 | |
| Citi SMRT | EZ-Link, No Min. | S$192.6 |
| Card | Best for... | Annual Fee | |
|---|---|---|---|
| OCBC Frank | EZ-Link, No-Fee | S$80.0 (waiver) | |
| DBS Live Fresh | EZ-Link & SimplyGo | S$128.4 | |
| Citi SMRT | EZ-Link, No Min. | S$192.6 |
Compare the Best EZ-Link Credit Cards by Dollar Value
To help you find the best EZ-Link credit card in Singapore, we have prepared a chart below organizing EZ-Link credit cards by their 2-year dollar value*. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. Note that this estimate is an approximate value based on an estimate of the average consumer's spending habits, and may differ in actual result depending on your unique set of expenditures.
*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.
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Zoryana is a Senior Research Analyst at ValueChampion, who focuses on evaluating credit cards, savings and fixed deposits in Singapore. She holds a BA in Political Science and an MPA in International Finance and Economic Policy, both from Columbia University. Prior to joining ValueChampion, Zoryana worked in treasury management consulting.