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The best EZ-Link credit cards

Earn rewards and enjoy hassle-free commuting with EZ-Link credit cards.

If you travel via public transport regularly, EZ-Link-compatible credit cards and auto-balance top-ups can help to save time and money when you travel.

What’s more, your credit card can be used as a single, contactless payment system meaning you won’t have to carry around lots of cards. Let’s take a closer look.

What is an EZ-Link card?

The EZ-Link card is a contactless payment card designed for public transit use on the MRT, LRT and buses islandwide. It was first introduced in April 2002 and is now also widely accepted as a payment mode for other services, including at restaurants and retail stores. Transactions with an EZ-Link card are completed almost instantly.

How does the travel card work?

To make payments with an EZ-Link card, simply tap the card on a contactless EZ-Link reader. To pay for your public transport fare, tap your EZ-Link card at the reader as soon as you step up on a bus or at the gantry before you can enter the MRT platform. As you exit a bus or an MRT platform, you tap the card on another panel to complete the transaction.

If you don’t tap out as you exit the bus or MRT platform, the maximum trip fare will be automatically debited from your card. When the stored balance is running low, you can simply top-up.

How to choose the best credit card for EZ-Link payments

There are a number of credit cards available which have EZ-Link services integrated. It’s important to consider various factors to help you find a card that suits your lifestyle and the way you like to spend.

Here are some considerations to keep in mind before you apply:

  • Interest rates and fees. The most important aspect to consider before applying for any credit card is to compare all the fees and interest rates associated with the card. Scrutinise the card’s terms and conditions for the list of annual fees, cash advance charges, late payment penalties and any service charges. There’s little reason to apply for a card that will cost you more than the potential savings it brings.
  • Earn rate. Understanding the reward earn rate and which spending categories offer higher earnings can help you maximise your potential savings. For EZ-Link credit cards, you generally receive cashback and bonus earning on daily essentials (e.g. groceries, petrol, online shopping and rideshare). Some cards also have tiered rewards structures and may also require a minimum monthly spend to activate accelerated earn rates or bonuses.
  • Cashback caps. It’s common for credit cards to impose a monthly cap on the amount of cashback you can earn, so be sure to read the terms and conditions before signing up. Some cards advertise high earn rates but can only save you a meagre amount every month. In that case, you’re better off getting a card with a lower earn rate but unlimited cashback potential.
  • Range of partner merchants. Although an EZ-Link credit card is designed for public transport and other daily essentials, it’s advantageous to pick a card with a wider range of partner merchants where you can earn extra rewards when you spend with them.
  • Other privileges. If you want extra features such as mobile payments, complimentary travel insurance, dining privileges, airport lounge access and other perks, be sure the card you choose offers them. However, cards with more features and benefits also tend to come with a higher annual fee. Weigh up the pros and cons to see if you’d utilise these additional perks often enough to reap the savings they bring.

Benefits of using an EZ-Link credit card

If you frequently travel on public transport, EZ-Link credit cards do offer a host of convenient benefits such as:

  • Automatic top-up. EZ-Link credit cards are typically enrolled with an EZ-Reload facility, which tops up the EZ-Link value when it’s low on funds and charges it on the credit card. However, some cards will require up-front top ups so do check before you sign up. Also, be aware that for Amex or Diners cardholders, a S$0.25 convenience fee is charged for each EZ-Reload top-up.
  • Transaction history. With the integrated EZ-Reload facility, you can easily keep track of your EZ-Link top-up history with online statements.
  • Rewards. When the EZ-Link Reload value is charged to the card, you can earn reward points, air miles or cashback rewards depending on the card’s loyalty program.
  • Convenience. Topping up your EZ-Link card manually requires you to queue up at the General Ticketing Machines (GTMs) located at bus interchanges, train stations and other reload points at selected venues. During peak hours, there may be long queues at these machines. With the EZ-Reload facility, you don’t have to worry about running late to your appointments because you had to queue up to reload the value on your card.
  • Multipurpose card. With the embedded EZ-Link card facility, these cards essentially combined your transport card and payment card into one. Also, EZ-Link cards can now be used at food stalls accepting NETS FlashPay transactions, making it a lunch card as well.

    What to watch out for when using an EZ-Link credit card

    Having the EZ-Link reload function on your credit card can earn you rewards whenever you commute on the public bus or MRT and save you the hassle of queuing up to top up manually.

    Here are some tips to help you make the most of your credit card privileges:

    • Know your privileges. By reading the fine print of your card’s reward program, you’d be able to fully understand the cashback earn rate, promotional offers and if there are any criteria to meet before you’re eligible to unlock the accelerated earn rates.
    • Download the EZ-Link app. Through the EZ-Link app, you can sign up for partner loyalty programs such as NTUC plus! and Circles.Life and earn rewards for all transactions made with your EZ-Link card. You can also check your transactions or block your card (if you lose it) directly from the app.
    • Make sure to bring your credit card. Once your credit card and EZ-Link card are merged into one, always make sure to have them on hand whenever you’re out. Otherwise, you’d miss out on the opportunity to earn rewards when you spend and may also need to purchase pricier single trip tickets if you need to take public transport.

    Bottom line

    EZ-Link credit cards can offer great commuter benefits and high rewards earning from your daily spend, especially for those that travel back and forth on buses or MRT daily. From auto top-up rebates to being EZ-Link-compatible, these credit cards offer convenience and are designed to help you save on your transport.

    Before you apply for an EZ-Link credit card, read the card’s terms and conditions to fully understand how it works and its potential costs. Also, make sure to conduct your due comparison with other similar cards in the market before committing.

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    Frequently asked questions

    Can I link my EZ-Link Reload facility to any credit card?

    Yes, you can link your EZ-Link Reload facility to any credit, debit or charge card. If you have a preferred credit card that doesn’t double up as an EZ-Link card, you may still link the automatic reload feature to that credit card to earn points from your top-ups. Don’t forget to add your EZ-Link into your EZ-Link account to qualify for EZ-Link Rewards.

    How many EZ-Links can I link to my credit/debit cards?

    You can link up to seven EZ-Link cards to each credit, debit or charge card account. This way, you can consolidate all the automatic top-ups for your and your family’s EZ-Link cards, as well as earn rewards from all these reloads.

    How do I earn rewards with my EZ-Link card?

    To activate the EZ-Link reward facility:

    1. Download the EZ-Link app on AppStore or GooglePlay
    2. Add your EZ-Link card to your account
    3. Start earning 1 point for every S$0.10 spent on your EZ-Link on public transport rides, retail purchases or motoring charges
    4. Redeem rewards of your choice available on the EZ-Link app

    If you’re a Plus! cardholder, you can also link your Plus! account to your EZ-Link account for additional rewards, including a chance to win 5 million LinkPoints when you tap and pay with your EZ-Link card. You can also earn 1 LinkPoint for every S$2 retail spend on your EZ-Link card.

    How can I change my desired EZ-Link reload amount?

    When you apply for EZ-Reload, you can indicate your desired top-up amounts (e.g. S$20 or S$30). However, if you wish to change this amount, you’ll need to deactivate the EZ-Reload facility and re-apply with your new desired amount. You may do so at any TransitLink Ticket Office. Make sure to bring along your NRIC or passport and your EZ-Link for identity verification.

    How do I know if my credit card has EZ-Link functionality?

    You can usually turn to the back of your Card and look for the EZ-Link logo.

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