Best EZ-Link Reload Credit Cards 2019

If you are looking for a nice and convenient way to combine your reward credit card with your EZ-Link Card for mass transit, the selection we have featured here could help you find one that best suits your needs. These cards are excellent for earning rewards on your daily commutes and public transportation usage, though each card has its own unique strengths.

Best EZ-Link Reload Credit Cards
EZ-Link & EssentialsCiti SMRTAll-in-one rebate card with just S$300 min. spend requirement
POSB EverydayRebates on essentials like food, transport & recurring bills
EZ-Link for High SpendersSC Unlimited1.5% unlimited cashback w/ top-notch transport perks
EZ-Link & Online ShoppingOCBC Frank6% online, 5% entertainment rebate with just S$400 minimum
DBS Live Fresh5% cashback on online & contactless spend

Best EZ-Link Credit Cards for Everyday Spend on Essentials

Everyday cards with top rates for essential spend are even more convenient when they have EZ-Link functionality. We’ve identified the two best options below.

Best EZ-Link Credit Card for Young Professionals on a Budget: Citi SMRT Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Up to S$120 cash rebate welcome gift

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 7% cashback on groceries, 5% on fast food, movies & coffee, 3% online, and 2% on health & wellness. Even better, consumers can access these rates after just S$300 minimum spend–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 7% 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 15% fuel savings with Esso & Shell
  • Annual fee: S$192.6, 2-year waiver
  • Up to 7% 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 15% fuel savings with Esso & Shell

Best EZ-Link Credit Card for Everyday Family Spend: POSB Everyday Card

POSB Everyday Card
POSB Everyday Card

Consider this if you are a busy homemaker who want to maximise savings on groceries, cosmetics, pharmaceutical, medical and petrol bills

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • S$50 welcome cashback for new customers

If you’re willing to shop with select merchants, you can earn more rewards on essential spend with POSB Everyday Card than with any other. Cardholders earn 15% rebate on online food delivery, 5% on dining & groceries, 10% on taxis & overseas, 3% on health & wellness and 1% on recurring bills. Categories are merchant-limited, but have high caps of up to S$50+ each–adding up to a total cap of S$200+/month. There is a S$800 minimum requirement to access these rates, however, so POSB Everyday Card is best for family spenders or those with larger purchase volumes. Finally, POSB Everyday Card has EZ-Link functionality, making it one of the most convenient all-in-one cards for daily essentials.

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  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 10% rebate on overseas spend
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC, 10% on ComfortDelGro taxi rides
  • EZ-Link functionality
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 10% rebate on overseas spend
  • 3% rebate on personal care at Watsons
  • 1% rebate on recurring bills with select merchants (capped at S$1/month)
  • Up to 20.1% fuel savings with SPC, 10% on ComfortDelGro taxi rides
  • EZ-Link functionality

Best EZ-Link Credit Card for High Spenders: Standard Chartered Unlimited Cashback Card

Consider this if you want unlimited amount of cash rebate and can spend more than S$7,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Up to S$100 in cashback + Up to S$150 in Prime Now credits, 10% cashback & free Amazon Prime

High spenders can avoid earnings caps and also enjoy top-notch transport perks with Standard Chartered Unlimited Cashback Card. Cardholders earn 1.5% unlimited cashback on all spend with no minimum requirement, which is similar to competitors. SC Unlimited Cashback Card stands out, however, because it also has EZ-Link functionality and offers up to 21% fuel savings with Caltex and 15% cashback with Grab (up to S$30/month). This makes SC Unlimited Card perhaps the most convenient and practical cards on the market for high spenders. In addition, the S$192.6 fee is waived for 2 years.

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  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • EZ-Reload functionality (Auto Top-Ups eligible for rebate)
  • Up to 21% fuel savings with Caltex, 15% rebate on Grab
  • Annual fee: S$192.6, 2-year waiver
  • Unlimited 1.5% cashback on all spend
  • EZ-Reload functionality (Auto Top-Ups eligible for rebate)
  • Up to 21% fuel savings with Caltex, 15% rebate on Grab

Best EZ-Link Credit Cards for Online Shopping

Several credit cards with EZ-Link functionality also offer top rewards rates for online spend. We discuss some of the best options below.

Best Rewards Card for Young Online & Social Spenders: OCBC Frank Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$88 cashback with card approval + S$80 cash credit with S$800 spend in 1st month
  • Up to 8% off bookings with Agoda

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$400 offline spend, cardholders enjoy 6% cashback online and 5% on weekend entertainment and at select cafes (3% weekdays). The closest competitor has a S$600 minimum, making OCBC Frank Card far more accessible. OCBC Frank Card also has EZ-Link functionality, unlike alternatives, and cardholders earn a fee-waiver with just S$10,000 annual spend. With the potential to earn up to S$60/month, 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 online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
  • 3% rebate on first 2 NETS FlashPay Auto Top-Ups
  • Up to 16% fuel savings with Caltex, 14% with Esso
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
  • 3% rebate on first 2 NETS FlashPay Auto Top-Ups
  • Up to 16% fuel savings with Caltex, 14% with Esso

Best EZ-Link Credit Card for Online & Contactless Spend: DBS Live Fresh Card

DBS Live Fresh Visa Card
DBS Live Fresh Visa Card

Consider this if you shop online or use mobile wallet frequently

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Up to 10% cashback on online and Visa payWave purchases and a welcome gift of S$50 cashback
  • Exclusive Zouk nightlife privileges

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. 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
  • Annual fee: S$128.4, 1-year waiver
  • 5% rebate on online spend & contactless purchases
  • All-in-one card with EZ-Link functionality

Summary of Best EZ-Link Reload Credit Cards for 2019

Below, we've prepared a summary of our picks for the best EZ-Link Reload credit cards for 2019.

CardBest for...Annual Fee
Citi SMRTYoung ProfessionalsS$192.6
POSB EverydayFamily & EssentialsS$192.6
SC UnlimitedUnlimited + EZ-LinkS$192.6
OCBC FrankSocial Young AdultS$80.0
DBS Live FreshOnline & ContactlessS$128.4
CardBest for...Annual Fee
Citi SMRTYoung ProfessionalsS$192.6
POSB EverydayFamily & EssentialsS$192.6
SC UnlimitedUnlimited + EZ-LinkS$192.6
OCBC FrankSocial Young AdultS$80.0
DBS Live FreshOnline & ContactlessS$128.4

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.

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