Best EZ-Link Reload Credit Cards 2021

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. SpendCiti SMRTAll-in-one rebate card, no minimum requirement
EZ-Link + SimplyGoDBS Live Fresh5% cashback on online & contactless spend
EZ-Link, No-FeeOCBC Frank6% online, 5% entertainment rebate, low S$400 minimum
Versatile Rebates + SimplyGoPOSB Everyday15% rebate on online food delivery & public transit + more

Rebate Card with EZ-Link + No Minimum Spend Requirement: Citi SMRT Card

Consider this if you want to earn cashback on your daily commute on public transit

Annual Income Requirement 30000
Foreigner Income Requirement 42000
Promotions:
  • Get S$6 off with S$79 min spend at Shopee (until June 30,2021) and S$5 off S$60 min spend at Lazada (until Apr.27,2021)
  • Receive S$5 Qmoney Cashback* with S$50 min spend at Qoo10 (until May 25,2021)

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, 5% on fast food, movies & coffee, 3% online, and 2% on health & wellness. 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 (McDonald’s, Starbucks & more).

Another benefit of Citi SMRT Card is that it’s EZ-Link compatible and Auto Top-Ups earn 2% 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.

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  • Annual fee: S$192.6, 2-year waiver
  • Up to 5% rebate on groceries, 5% on fast food, movies & 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
  • 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 Card for EZ-Link + SimplyGo: DBS Live Fresh Card

Consider this if you shop online or use mobile wallet frequently

Annual Income Requirement 30000
Foreigner Income Requirement 45000
Promotions:
  • Use code 150CASH to get S$150 cashback when you apply and charge min S$800 within 60 days of card approval (until June 30, 2021)
  • Use code DBS10OFF300 to get S$10 off min spend of S$300 at PRISM+ (until July 31,2021)
  • 15% off Gaming Room PC with min 2hrs booking at Reality Rift Arena (until June 30,2021)

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.

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  • 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 Card with EZ-Link: OCBC Frank Card

Consider this if you frequently spend money shopping for luxury goods and entertainment

Annual Income Requirement 30000
Foreigner Income Requirement 45000
Promotions:
  • Use code VISA15OFF to get 15% off Zalora w/ min spend of S$80 (until June 30, 2021)

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.

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  • 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

Consider this if you're a family shopper with a diversified budget

Annual Income Requirement 30000
Foreigner Income Requirement 45000
Promotions:
  • Use code 150CASH to get S$150 cashback when you apply and charge min S$800 within 60 days of card approval (until June 30, 2021)
  • Receive 1 S.E.A. Aquarium Child One Day ticket for free when you purchase 2 S.E.A. Aquarium Adult One Day tickets (until July 31,2021)

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.

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  • Annual fee: S$192.60 (first year - waived)
  • 10% rebate on online food delivery (foodpanda and Deliveroo) and 3% on other dining spend
  • 5% rebate on groceries (Sheng Siong)
  • 5% rebate on online shopping (Amazon, Lazada and Qoo10)
  • 3% rebate on personal care at Watsons, 2% rebate on transport and fuel (up to 14% fuel savings at Esso and 22.1% SPC)
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • 0.3% cash rebate on all other spend
  • Annual fee: S$192.60 (first year - waived)
  • 10% rebate on online food delivery (foodpanda and Deliveroo) and 3% on other dining spend
  • 5% rebate on groceries (Sheng Siong)
  • 5% rebate on online shopping (Amazon, Lazada and Qoo10)
  • 3% rebate on personal care at Watsons, 2% rebate on transport and fuel (up to 14% fuel savings at Esso and 22.1% SPC)
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • 0.3% cash rebate on all other spend

Summary of Best EZ-Link Reload Credit Cards for 2021

Below, we've prepared a summary of our picks for the best EZ-Link Reload credit cards for 2021.

CardBest for...Annual Fee
OCBC FrankEZ-Link, No-FeeS$80.0 (waiver)
DBS Live FreshEZ-Link & SimplyGoS$128.4
Citi SMRTEZ-Link, No Min.S$192.6
CardBest for...Annual Fee
OCBC FrankEZ-Link, No-FeeS$80.0 (waiver)
DBS Live FreshEZ-Link & SimplyGoS$128.4
Citi SMRTEZ-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.

A graph displaying how best EZ-Link credit cards compare to one another in terms of their rewards
Best EZ-Link Credit Cards in Singapore by Estimated 2-Year Dollar Value

*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.

Zoryana Melesh

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.

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