Best EZ-Link credit cards

Uncover the convenience of EZ-Link credit cards that merge daily transit with attractive rewards and benefits.

By   |   Verified by Kwok Zhong Li   |   Updated 8 Feb 2024

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Comparing EZ-Link credit cards

OCBC Frank Credit Card

On website

Featured

OCBC Frank Credit Card

Cashback

Up to 8.00% on any foreign currency spend

Cashback cap

Up to $25.00

Minimum spend

S$800.00 per month

Sign up bonus

N/A

Highlights

  • Get up to 10% cashback. Earn 8% in cashback on foreign currency transactions and online/contactless mobile transactions in SGD, plus earn an additional 2% when you shop at selected green merchants.
  • Earn up to S$100 in monthly cashback when you spend at least S$800 a month.
  • Earn 0.3% cashback on other eligible spending.

Pros

  • Earn 8% cashback on purchases made in foreign currency, both online and in stores.
  • Earn 8% cashback on online purchases made in SGD and contactless mobile transactions.
  • Earn an additional 2% cashback on green merchants like SimplyGo, BlueSG, Scoop Wholefoods, and more.
  • The annual fee is waived for the first 2 years

Cons

  • Cashback is capped at S$100 a month.
  • After the first 2 years, you will be charged an annual fee of S$194.40 for the principal card and S$97.20 for the additional card.
Citi SMRT Credit Card

Citi SMRT Credit Card

Cashback

Up to 5.00% on grocery spend

Cashback cap

$600.00 on any spend

Minimum spend

S$500.00 per month

Sign up bonus

Get S$300 cash back when you apply and spend with a Citi SMRT Card. Terms and Conditions apply.

Highlights

  • Get up to 5% cashback on selected grocery stores, online purchases, and & public transport rides.
  • Get a 0.3% cashback on all other eligible transactions.
  • Redeem SMRT$ for cash rebate or shopping vouchers

Pros

  • The annual fee for the first 2 years is waived. S$194.40 thereafter.
  • Get deals and discounts with Citi World Privileges.
  • Convert big transactions into installments with Citi PayLite.

Cons

  • There is a required S$500 spend to earn the 5% cashback on select categories.
  • S$600 cap on SMRT$ rebates per year.
UOB Lady's Credit Card

UOB Lady's Credit Card

Cashback

N/A

Cashback cap

N/A

Minimum spend

N/A

Sign up bonus

Get a welcome gift worth up to S$460 when you apply and get approved..

Highlights

  • Earn 10x UNI$ per S$5 spent on your preferred category with no minimum spend required.
  • Waived annual fee for the first year.
  • Take advantage of UOB Lady's LuxePay Plan 6 or 12-month installment plan with no interest or processing fees
  • Free e-Commerce protection for online purchases up to USD200.

Pros

  • You may change your preferred spending categories every 3 months.
  • Add your 1st supplementary card at no extra cost.
  • Comes with female cancer coverage of up to S$200,000 sum assured with UOB Lady’s Savings Account+.
  • Get up to 7.8% p.a. interest with UOB One Account+.

Cons

  • Exclusive to women.
  • After the initial year, the annual fee will revert to S$194.40 p.a.
  • You can only choose 1 category to boost your reward earnings.
UOB EVOL Credit Card

UOB EVOL Credit Card

Cashback

Up to 8.00% on online shopping domestic spend

Cashback cap

Up to $20.00

Minimum spend

N/A

Sign up bonus

Get a welcome gift worth up to S$460 when you apply and get approved.

Highlights

  • Earn 8% cashback for online transactions and mobile contactless spend.
  • The annual fee is waived if you meet the spending criteria.
  • Access to 1,000+ deals from fashion, dining and more.

Pros

  • Get up to 8% cashback.
  • Public Conveyance Personal Accident coverage of S$500,000
  • Emergency Medical Assistance, Evacuation & Repatriation coverage up to S$50,000
  • Earn up to 2.5% interest on your savings by pairing the UOB EVOL card with the UOB One Account.

Cons

  • Cashback on all other spending is only 0.3%
  • There is a maximum cashback cap of $60 per month.
UOB One Credit Card

UOB One Credit Card

Cashback

3.33% on any spend

Cashback cap

$200.00 on any domestic spend

Minimum spend

S$500.00 per month, every month

Sign up bonus

Get a welcome gift worth up to S$460 when you apply and get approved.

Highlights

  • Enjoy up to 15% cashback on Dairy Farm International, Grab, Shopee, and UOB Travel transactions. Applicable to new-to-UOB Credit Card customers only. Terms and Conditions apply.
  • Earn up to 10% cashback on your bus or train rides, online shopping, Grab, and other merchant partners.
  • Earn up to 4.33% cashback on Singapore Power bills.
  • Earn 3.33% on all other eligible transactions.

Pros

  • 1st-year annual fee is waived.
  • Up to 7.8% p.a. interest on UOB One Account+ when you use your UOB One Credit Card.
  • Savings of up to 22.66% when you fuel up at Shell and SPC.
  • Supports Apple Pay, Google Pay, and Samsung Pay.

Cons

  • After the initial year, you will be charged an annual fee of S$194.40.
  • A minimum monthly spend on 5 purchases or more is required to qualify for the cashback.
  • The base cashback is capped.

EZ-Link credit cards are ideal for:

  • Frequent users of public transport, such as buses or MRTs
  • People seeking convenience and efficiency when travelling
  • Those who want to earn rewards, like miles and cashback, while spending on public transport

Here are a few points to consider when comparing credit card deals.

  • Rewards offered. What are the rewards or benefits? Does the card earn cash rebates, earn points per dollar, or vouchers for savings.
  • Earning conditions. Are there minimum spends or specific spending categories with caps or tiers on what you can earn?
  • Redemption process. Is redeeming rewards a hassle, or is it straightforward and simple? How long does it take for points to post to your account if they are transferable?

Follow these steps to compare your EZ-Link credit card options:

  1. Create a list of the most important features and benefits based on your needs and preferences. This could be issuer, rewards program, digital wallet support, etc.
  2. Research and filter out what the compatible EZ-Link credit cards are, then gather further information on their features.
  3. Things to look into include the card's welcome bonus (if there is one), rewards earn rate, earning conditions (caps, tiers, preferential categories), transfer partners, etc.
  4. Evaluate the cards based on their annual fee, interest rates, and any additional perks that may interest you.
  5. Check that you meet the minimum criteria to improve your chances of being approved.
  6. Narrow down your options, select the most suitable card for you, and apply.

Pros and cons

Pros

  • Convenient tap-and-go transactions for public transport
  • Earn rewards in the form of points, cashback, or vouchers
  • Less need for cash while travelling on public transport

Cons

  • Some cards have spending caps or tiered rewards systems
  • Rewards cards are typically more expensive to keep open

FAQs

Yes, most EZ-Link credit cards can also function as a regular credit card, allowing you to make purchases at various merchants in Singapore and overseas.