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
  • Pros
    • Good rewards rates for modest budgets
    • SMRT$ rewards on EZ-Reload transactions
    • Cons
      • Not suitable for higher budgets
      • Lacks travel and overseas rewards
      Promotions:
      • Use code CITINEW8 to get S$8 off min S$16 spend at Shopee (until Sep 30, 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.

      Read Our Full Review

      • 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

      PROMO: USE CODE AUGFLASH TO GET S$300 CASHBACK
      Consider this if you shop online or use mobile wallet frequently
      • 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
          Promotions:
          • Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 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.

          Read Our Full Review

          • 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

          PROMO: GET S$50 CASHBACK
          Consider this if you frequently spend money shopping for luxury goods and entertainment
          • 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
              Promotions:
              • New cardholders get S$50 cashback with 2 qualifying transactions by end of next month following card approval (until Aug 31, 2021)
              • Existing customers get S$20 cashback upon making 2 qualifying transactions by end of next month following card approval (until Aug 31, 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.

              Read Our Full Review

              • 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

              PROMO: USE CODE AUGFLASH TO GET S$300 CASHBACK
              Consider this if you're a family shopper with a diversified budget
              • 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
                  Promotions:
                  • Apply with code AUGFLASH to get S$300 cashback with min spend of S$300 within 30 days of card approval (until Aug 16, 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.

                  Read Our Full Review

                  • Annual fee: S$192.60 (first year - waived)
                  • 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ ) and 3% on other dining spend
                  • 8% cash rebates on fuel (up to 21.8% at SPC)
                  • 5% cash rebates on groceries (Sheng Siong)
                  • 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart & iHerb)
                  • 3% cash rebates on personal care at Watsons
                  • 1% cash rebates on recurring bills with select merchants (capped at S$1/month)
                  • 0.3% cash rebate on all other spend
                  • DBS Payment Plan: pay 0% interest, up to 6 months
                  • Annual fee: S$192.60 (first year - waived)
                  • 10% cash rebates on online food delivery (foodpanda, Deliveroo and WhyQ ) and 3% on other dining spend
                  • 8% cash rebates on fuel (up to 21.8% at SPC)
                  • 5% cash rebates on groceries (Sheng Siong)
                  • 5% cash rebates on online shopping (Amazon, Lazada, Qoo10, Shopee, RedMart & iHerb)
                  • 3% cash rebates on personal care at Watsons
                  • 1% cash rebates on recurring bills with select merchants (capped at S$1/month)
                  • 0.3% cash rebate on all other spend
                  • DBS Payment Plan: pay 0% interest, up to 6 months

                  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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