Best EZ-Link Reload Credit Cards 2017

When there are so many different rewards cards, it’s easy to get more than a few cards to optimize reward you get from all of your expenses. We understand that it could get quite cumbersome to carry around so many cards in your wallet or purse. If you are looking for a nice and convenient way to combine your reward credit card with your EZ-Reload card for mass transit, the selection we have featured here could help you find one that best suits your needs. Every card is a bit different, so it’s important to carefully consider what you spend your money on and choose appropriate rewards program.

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Our Picks for EZ-LINK Reload SMRT Credit Cards

Read our reviews of the best EZ-Link Reload cards in Singapore we have featured below. These cards are excellent for earning rewards on your daily commutes and public transportation usage. We have also calculated how much one could earn in rewards over two years by using these cards based on a monthly spend of S$2,000. However, remember that this is an estimate and that the best card for you depends on how you spend your money day to day.

Unlimited Cashback + EZ-Link: Standard Chartered Unlimited Cashback Card

Standard Chartered Unlimited Cashback Card is an excellent choice for people who are looking for a simple flat rate card to use. Not only does it offer a flat rate of 1.5% cash rebate on everything, its cash back is unlimited so you can earn as much rebate as you spend. Unlimited Cashback Card can also double up as an EZ-Link card, further simplifying the number of cards you have to carry in your wallet.

Pros of Standard Chartered Unlimited Cashback Credit Card

  • 1.5% cashback on everything
  • No cap on cashback
  • No monthly spend requirement
  • Doubles up as an EZ-Link Card
  • 2 Year Waiver for its S$192.6 annual fee
  • Promotion: 3% cashback on all foreign currency spend (until 31 Oct 2017), inclusive of the 1.5% cash rebate
  • Promotion: Up to S$138 in cashback for new customers
  • Bonus: 20% discount on Uber fares globally (max S$50 per month, 10% if spending under S$600 per month)

Cons of Standard Chartered Unlimited Cashback Credit Card

  • Unlimited 1.5% cashback on everything requires +S$6,000 of monthly spend to truly maximise value

EZ-Link, Grocery and Petrol: Citibank SMRT Platinum Visa Card

Citibank SMRT Visa Card is an excellent choice if you commute on SMRT or bus daily. This card conveniently doubles up as a cashback reward card and an EZ-Link Card, while still offering some of the best rebate rates in Singapore. For instance, it provides 7% rebate on groceries, 15% on coffee, 14% on petrol, and another 2% on EZ-Reloads auto top-ups.

While it lags behind competition in other areas like petrol, Citi SMRT presents an excellent set of offerings ideal for people on a modest budget. If you spend most of your money on groceries, commuting and occasional luxury of morning or afternoon caffeine intake, this could be a great card for you.

Pros of Citibank SMRT Platinum Visa Card

  • One of the highest grocery rebates of up to 7%
  • Up to 15% rebate on coffee
  • Up to 14% off on petrol at Esso and Shell
  • Doubles up as a EZ-Reload card, with 2% rebate on Auto Top-Ups
  • Promotion: S$120 of cash rebate

Cons of Citibank SMRT Platinum Visa Card

  • Very low cap of S$280 on SMRT$ rebate annually (S$40 monthly), but no cap on Citi reward points

EZ-Link MRT Card with Versatile Rebate Program: POSB Everyday Card

POSB Everyday Card is a decent cash back card whose rewards program covers various parts of our daily life. It is also one of the few cashback cards in Singapore that can double up as a SMRT EZ-Reload card. In terms of its main benefits, it can save you money on petrol (20%), groceries (5%), health & beauty (3%), medical expense (3%) and monthly recurring bills (1%). This particular mix of cash rebates make it perfect for moms who need to take care of their families. Also, if you are already a POSB banking customer, POSB Everyday card can function as an ATM card. POSB waives the 1st year annual fee of S$192.6.

Pros of POSB Everyday Card

  • Up to 20.1% discount on petrol at SPC
  • 5% rebate on groceries at Sheng Siong
  • 3% cash rebate on Health, Beauty and Personal Care at Watsons
  • 3% rebate on medical expenses at hospitals, medical and dental clinics
  • Up to 1% rebate on monthly telco, SP services, cable TV and broadband bill (capped at S$1 per month)
  • EZ-Link Auto Top Up
  • Can be used as an ATM card for POSB banking customers
  • Promotion: Up to S$100 welcome cash bonus for spending S$500 within first month of approval

Cons of POSB Everyday Card

  • 0.3% rebate on everything not listed above
  • S$700 monthly spend minimum

EZ-Link MRT Card for Indulgence: OCBC Frank

While it lags behind the other two in terms of savings on EZ Reload Auto Top-Ups, OCBC Frank Card is still worth a consideration as a cashback credit card. It can function as an EZ-Reload card just like POSB Everyday or Citi SMRT cards, but OCBC Frank card only provides 3% cashback for 2 auto top-ups and does not waive the processing fee. However, it's still an awesome cashback card that can help save money. You can pick from one of its 120 unique card designs to suit your personality and taste.

OCBC Frank Card's super low annual fee of S$90 is waived for 2 years, and can be waived subsequently for a low spending requirements of S$10,000 per year. Not only that, OCBC Frank card packs in a lot of punch with a great set of rebates on entertainment (5%), shopping (6%) and petorl (14%). Therefore, OCBC Frank Card is an ideal card for anyone looking to squeeze as much fun as they can out of their dollars.

Pros of OCBC Frank Card

  • Low annual fee of S$90, waived for 2 years and subsequently waived for annual spend of over S$10,000
  • 14% off on petrol at Caltex & Esso stations
  • 6% rebate on all eligible online spend, including online shopping, travel bookings and food delivery orders
  • 5% rebate on all entertainment expenses on weekends, 3% on weekdays

Cons of OCBC Frank card

  • Low monthly cap on rebate of S$60
  • 3% cashback on auto top-ups are limited to 2 times

Summary of the Best EZ-Link Credit Cards

Please see our table below for a quick understanding of these credit cards' main features.

EZ Link Credit CardEZ-Link RebateAnnual Fee
Standard Chartered Unlimited Cashback Card1.5%S$192.6
POSB Everyday Card0.2%S$192.6
Citibank SMRT Platinum Visa Card2%S$160.5

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

*ValuePenguin 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 ValuePenguin's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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