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    Compare EZ-Link Credit Cards in Singapore

    EZ-Link Cards are best for Singaporeans who commute using public transport on a daily basis face inconveniences including insufficient cash while traveling and/or forgetting to top up cards. In order to address this concern, banks have come up with credit cards that can be used as an e-wallet for public transport. This means that when your EZ-Reload balance goes down, it will be automatically topped up from your credit card account. This makes such cards very convenient to use.

    Best Credit Cards for EZ-Link Top-Up in Singapore

    If you are a frequent traveller by public transport, you might have come across the hassle of forgetting your EZ-Link card or not having sufficient money with you. Fortunately, there are many credit cards but ez reload cards serve primarily as an e-wallet for your public transportation needs. The important things you need to know about these credit cards are:

    Card Name Annual Fee (p.a.) EZ-Link Usage Additional Benefits
    DBS Live Fresh Card S$128.40 Automatically registered for EZ-Reload. S$40 will be withdrawn from card account per top-up. 5% cashback on Visa payWave purchases and online shopping. 0.3% cashback on other purchases.
    Citibank SMRT Card S$192.60 For EZ-Reload auto top-up, no convenience fee charged. Up to 2% savings on EZ-Reload auto top-up transactions. Up to 5% savings on groceries, coffee, fast food, online shopping, movies, recurring transactions and more.
    Standard Chartered Unlimited Cashback Card S$192.60 Has pre-enrolled EZ-Reload facility. The top-up amount is S$50 and convenience fee is S$0.25 for every top up. 1.5% cashback on all spends with no minimum spend requirement or cap. 3% cashback for all overseas spends for new customers with card approval before 30 June 2018).
    POSB Everyday Card S$192.60 Can be used as an EZ-Link card on MRT/bus rides. Up to 6% cash rebate on groceries, health & beauty related purchases,medical spends, utilities and telecommunications bills.

    Ways to top-up your EZ-Link Card

    You can reload your EZ-Link credit card account by GIRO or by a card. When you choose this mode, you can enjoy top-ups for your debit and credit card accounts through GIRO. For this option, you can connect your EZ-Link card only to your POSB or DBS account. When you select the EZ-Reload facility by card, an EZ-Link card will have EZ-Reload with the help of a card. When you want to modify the automatic recharge amount, you will be required to deactivate your EZ-Reload facility from your system and then apply again.

    How to Apply For EZ-Link Cards

    Simply visit the website of the bank whose card you want to sign up for. Navigate to the name of the card and click on “apply now”. You will be redirected to another page where you will be required to fill in the details like personal details and income details among others. You could also go to the bank’s local branch and start your application process. Make sure to carry your identity and income documents with you for faster processing.

    How to Activate EZ-Link cards?

    To activate EZ-Link Reload through GIRO, you can do it with the help of My EZ-Link Mobile App or GTM. For this, you will have to keep your AXS receipt that has your ARN number and your EZ-link card ready. To activate EZ-Link Reload through card, you will need your AXS receipt with your ARN number. This is for activating through My EZ-Link Mobile app. When you want to activate at any GTM, you will need your AXS receipt with the ARN number and your EZ-Link card.

    How to Deactivate EZ-Link Cards?

    You can deactivate your existing EZ-Link Reload service on your card by visiting a TransitLink Ticket Office. Here, you will have to submit your EZ-Link card and your NRIC if you are a Singaporean or a passport if you are a foreigner.

    How to Choose the Right EZ-Link Card?

    In order to choose the right card, you must:

    • Check your usage for this type of card – if you already have an EZ-Link card, then you can choose one that lets you top up your existing card while offering rewards for the same.
    • Check the other benefits offered on the card as per your usage.
    • Know the convenience fee for EZ-Reload and other fees and charges associated with such transactions.


    Let’s understand the benefits of using these cards:

    • Some credit cards waive the convenience fee on the top-ups, while others allow EZ-Link cards to be topped up using your credit card.
    • These cards automatically top up the balance when low.
    • Some cards offer other perks such as cashback, cash rebate, miles or rewards points.
    • You can change the automatic top-up amount set by the bank by visiting TransitLink Ticket Office.
    • Some credit cards double up as an EZ-Link card that can be used for transport as well as other spends.

    Who Should Use EZ-Reload Cards?

    EZ-Link credit cards are most beneficial to those who regularly use public transportation in Singapore, those who do not wish to carry a lot of cash on a daily basis to pay for local transport, and those who wish to use their credit card for all other daily expenses.

    How does EZ-Reloads Works in Singapore?

    Credit cards for EZ-Link Top-Up are easy to use and they simplify your transportation.

    • Once your card is approved and activated, you must visit the General Ticketing Machine situated at MRT stations and activate the EZ-Reload on your card.
    • You can also activate it on My EZ-Link Mobile App.
    • You can either reload the card through GIRO or credit card. Just tap your card when you are taking the public transport to use it.
    • Some cards do not double-up as an EZ-Link card but can be used to top up the amount conveniently. They may also offer additional rewards for top ups or waive the convenience fees.

    Things to Consider Before Getting an EZ-Link Card

    The following are the things to keep in mind before getting such cards:

    • Can the credit card be used as an EZ-Link card or can be used for top-ups only?
    • Does the card offer rewards on EZ-Reload top-ups?
    • Will you be charged a convenience fee on all automatic top-ups?
    • Can the top-up limit set by the bank be changed according to your requirement?
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