Best EZ-Link Reload Credit Cards 2020

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-FeeOCBC Frank6% online, 5% entertainment rebate, low S$400 minimum
EZ-Link + SimplyGoDBS Live Fresh5% cashback on online & contactless spend
EZ-Link, No Min. SpendCiti SMRTAll-in-one rebate card, no minimum requirement

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 S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • 1 Free Night at M Social Singapore w/ S$400 spend in 1st mo

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 Cashback Card for EZ-Link + SimplyGo: DBS Live Fresh 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:
  • Earn S$100 cashback w/ S$600 spend in 1st mo
  • Earn an extra +5% cashback on transport spend for 3mo with a min. spend of S$600/mo

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

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 S$30,000
Foreigner Income Requirement S$42,000
Promotions:
  • Earn S$120 cash rebate w/ S$1,200 spend in 1st 3mo

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 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 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 14% 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 14% fuel savings with Esso & Shell

Rebates on Essentials + SimplyGo Perks: POSB Everyday Card

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

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Receive S$120 cashback w/ S$800 spend in 2mo

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 15% 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$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 15% rebate with select merchants for parking & public transit
  • 5% rebate on select taxis & ride-hailing services
  • 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
  • SimplyGo/ABT capabilities for public transit fares
  • Annual fee: S$192.6, 1-year waiver
  • 15% rebate on online food delivery, 5% dining, 5% groceries at Sheng Siong
  • 15% rebate with select merchants for parking & public transit
  • 5% rebate on select taxis & ride-hailing services
  • 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
  • SimplyGo/ABT capabilities for public transit fares

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
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.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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