6 credit cards you should use as your ez-link card, Money News

Tap, Pay and Get Paid—All in One!

Ever dreamed of a credit card that doubles as your EZ‑Link pass? With the latest LTA SimplyGo scheme, that dream becomes reality. Now you can wave any MasterCard or Visa to the gantry and it works like magic—no wallet, no top‑up, just pure convenience and a little extra cash back in your pocket.

How to Make It Work on Your Phone

• Add your MasterCard or Visa to Apple Pay or Android Pay.
• When you approach a bus or train gantry, unlock your phone with Face ID or passcode, hold it close, and boom! the fare clears.
• Optional: Download the #SimplyGo app to keep an eye on your public transport spending. If you skip that, your card issuer will still ping you with a quick notification.

Earn Air Miles, Cash Back, and More on Every Tap

Let’s face it: you’re already buying your coffee or snack on the way. Why not earn rewards at the same time? Here are the top credit cards that will skyrocket your cash back and give you the best bang for your money while you’re on the move.

What Makes These Cards Stand Out?

• Automatic EZ‑Link top‑up when your balance dips low—there’s no manual hassle because the card pays right from the credit line.
• They’re valid at hawker stalls selling NETS FlashPay—your single card is your lunch, your transport, and your entertainment pass.

Top Picks for EZ‑Link & Public Transport Rewards

Why You Should Switch Now

With just a tap, you’re not only paying for your commute but also stacking up rewards that could mean a sweet snack, a ticket, or a few extra miles in your next trip. Pick the card that fits your lifestyle, load it into your phone’s wallet, and start earning while you’re on the go.

So the next time you get on the train or hop on the bus, remember—your phone is more than just a device; it’s your passport to easy commutes, cash back, and awesome perks all at once.

Scintillating Savings: Standard Chartered’s Unlimited Cashback Credit Card

Picture this: you’re walking through the bustling streets of Singapore, and instead of just spending, you’re actually getting rewarded for every pittance you swipe. That’s the promise of the Standard Chartered Unlimited Cashback Credit Card, the newest addition to the Singapore cash‑rebate scene.

Meet EZ‑Reload: Your Personal Magic Bot

• Auto‑Top‑Up – The card will automatically refill itself when the balance dips below your chosen threshold.
• By default, the bot tops up in increments of $50.25.
• Every time a top‑up happens, you’ll see a small $0.25 convenience fee – more on that later.

Turn Top‑Ups Into Real Cash Back

The perk of this system is that each EZ‑Reload top‑up counts as retail spending. Yes, you’ll actually earn 1.5 % cash back whenever you add money to your card. That’s the same sweet rate you’d get if you were buying groceries, fancy gadgets, or your favourite kopi.

How to Dodge the Tiny Fee

• The $0.25 convenience fee is non‑negotiable – Standard Chartered won’t waive it.
• But here’s a trick: reduce the number of top‑ups you make. The less you trigger the bot, the less you pay.
• You can change the auto top‑up amount at any time, giving you control over when your card recharges.

Practical Tip: Treat It Like a Reward

Think of each top‑up like a mini purchase. Instead of seeing it as a mere refill, view it as a chance to earn that 1.5 % cashback. It’s the same reward rate you’d get on actual shopping, just with the convenience of an automated refill.

Bottom Line

With the Standard Chartered Unlimited Cashback Credit Card, your wallet gets to work for you every time you spend or top‑up—even the small $0.25 fee is a tiny price for the big reward you’ll earn. So next time you’re filling up, make sure to set that auto‑top‑up smartly and enjoy the sweet perks of cash back.

Get This Card If You…

Your Simple $Cashback Ticket

Why the Unlimited Cashback Credit Card is a Game Changer

No hoops to jump through: Forget those flimsy rebates that require a minimum spend or flood the bank with limits. With the Unlimited Cashback Credit Card, you earn 1.5 % on every local retail spend—plain, simple, and hassle‑free.

And the best part? Zero minimum spend. Whether you’re buying groceries, grabbing coffee, or splurging on a new gadget, the cashback kicks in without you having to meet any threshold.

How It Works with EZ‑Reload

Top‑up your EZ‑Reload and watch the 1.5 % rebate automatically pop up. No red‑emptions, no paperwork, no “oh‑i‑just‑bought‑this‑cos‑I‑need‑to‑apply‑for‑rebate” stuff.

Just kidding, it’s that easy. But don’t sleep on it— new‑issue cards after 3 Dec 2019 won’t feature the EZ‑Reload facility. If you want that extra zing, apply now before it’s too late.

What About the CITI SMRT Card?

The CITI SMRT Card is a different beast, tailored mainly for public transport users. While it offers its own perks, it’s not a universal cashback juggernaut like the Unlimited Cashback Card. If you’re looking to maximise every pound spent on everyday shopkeeping, the Unlimited version steals the spotlight.

Meet Your New Travel‑Buddy: The Citi SMRT Card

Forget the usual credit‑card fluff—this card is the only one in Singapore that teams up with SMRT, the local train powerhouse. Deploy it right at a TransitLink desk, and you suddenly own a dual‑function card: your credit tool AND your EZ‑Link transit pass.

The Sweet Spot: 2% Rebate Magic

Every time you EZ‑Reload over $30 on this card, the system drops a neat 2% rebate straight into your SMRT$ stash. After a full year, you could pocket roughly $40 worth of SMRT vouchers—just because 1 SMRT$ equals 1 Singapore dollar of vouchers. SMRT vouchers come in handy 10‑ringgit slices, so it’s a perfect way to line up rides or snag a snack.

But Beware the Fine Print

• You must spend at least $300 each month. Miss that, and the rebate shrinks dramatically to a mere 0.3%.
• There’s a yearly ceiling: you can only collect up to 600 SMRT$. After that, you’re basically done earning rebates.
• Each EZ‑Reload must hit the $30 minimum. Anything lower nets only a 1% rebate. Good news: the default reload amount is exactly $30, and you can tweak that anytime through the website or app.

No Hidden Convenience Fees

Unlike most reload plans that slap a $0.25 fee on each top‑up, the Citi SMRT Card keeps that bandage off the wallet—zero fees. That’s a smooth ride for travelers who want to keep the extra cash flowing for more journeys.

Financial Freedom, Paperless Convenience

Beyond the bells and whistles, the card delivers a genuine value: a reliable EZ‑Link pass, a handy credit line, and a sweet rebate structure—all in one. If your monthly travel spend stays above the $300 threshold, you can see substantial savings when you redeem those SMRT vouchers back into free rides or treat yourself.

So if you’re ready to step up your commuting game without juggling a separate card, grab a Citi SMRT Card, activate it, reload, and watch the savings roll in.

Get This Card If You…

Shuffle Your Cash Back Into Savings

Get free train rides and money back with a few smart moves.
Your EZ‑Reload card already gives you 2 % on every reload—just a start.

Boost Your Daily Budget

• Up to 5 % at groceries — because your cart deserves a reward.
• 5 % on your favorite coffee and fast‑food stops — grab a latte or a burger and watch the cash back flow.
• 1 % on recurring bills — your subscription fees will pay you back, literally.

More Ways to Save

If you’re looking to cut costs at home or ride around town, just add the Citi SMRT Card to your wallet.
It unlocks extra savings on:

• Groceries and general shopping.
• Grab rides—cheaper travel meets more cash back.

And Don’t Forget

Keep an eye on the DBS LIVE FRESH CARD—another handy tool to keep your budget fresh.

Ride‑Fueled Rewards: A Sweet Deal on Wheels

Bon‑vouloir, grab your card and hop on for a sweet 5 % cashback on your daily rides—just for the first 180 days after your card gets the green light, provided you earned that approval before 31 March 2020. Think of it as a little thank‑you from the universe for keeping your feet merry and your wallet healthier.

What You’ll Need to Sprinkle It All Up

• Spend at least $600 in any calendar month—that’s the magic number to unlock the cashback.
• But hey, it’s not all rainbows: the cashback has a safety‑net cap: $20 on online spend, $20 on Visa contactless, and $20 on all other spending each month.

How It Works (In the Super‑Simple Way)

Everytime you clink your card on a ride, you’ll see the sweet 5 % reward pop up—now that’s a reason to feel a little extra lightness in your step! The more you ride (up to your monthly spend threshold), the more cash creeps back into your account. When you hit the monthly cap, the extra remains in the vault until your next month’s sweet start.

Why This Is Fun (Beyond the Cashback)

It’s not just about the numbers; it’s the joy of travel that gets a small boost in the form of pocket‑friendly perks. Picture this: you’re strolling, your phone buzzes with a $5.20 callback, and you’re already smiling because you didn’t pay a cent extra for that ride.

So, buckle up, drive a bit, and watch those cents grow—because who says trips can’t be a bit more rewarding?

Get This Card If You…

Your DBS Multiplier Account – More Than Just a Bus Ticket

Think your DBS Multiplier card is only good for hopping off the public transport? Think again! It’s the Swiss Army knife of your finances. Below is the low‑down on how you can turn everyday travel and shopping into a sweet deal.

1⃣ Earn Interest Like a Pro

Link your DBS Multiplier card to your DBS Multiplier account and watch the money grow. With a juicy up to 1.85 % p.a. on the balance, your card is practically a passive‑income machine.

2⃣ Cash Back That Never Rains

Love online shopping or pulling out your phone to pay? Then you’re in luck. When you use your card for:

• Online purchases
• Mobile payments via Apple Pay, Android Pay, or Samsung Pay

you’ll snag a generous 5 % cashback. That’s 5 bucks back for every 100 bucks you spend, every time. Who says you can’t have money in your pocket while your clothes are in your closet?

3⃣ POSB Everyday Card – Add That Extra Dose of Fun

Why stop at DBS? The POSB Everyday Card marries convenience and value. Use it for the same everyday adventures – from coffee runs to subscription services – and enjoy:

• Comprehensive reward points
• Seamless linkages with in‑store & online purchase ecosystems
• Flexibility that lets your card roam wherever you need it

All in all, it’s a card that says, “Take your wallet on a vacation!”

Wrap‑Up

Grab that card, make the link, and let your travel and shopping routines become a source of interest and cash back. Whether it’s the DBS Multiplier account or the POSB Everyday Card, you’re building a healthy pot of dollars without breaking your rhythm.

POSB Everyday Card: Small Rewards, Big Convenience

Fair warning: the cashback on EZ‑Reload transactions is just 0.3 %, so that’s nothing to brag about. But hey, it’s a bit better than getting zilch.

Getting Started with EZ‑Link

Once you’ve ordered your POSB Everyday Card, you’ll receive a brief activation code within 10 days. Use this code at any ticketing machine to unlock the EZ‑Link feature. Think of it as a quick open‑up the door to hassle‑free reloading.

What’s the Giveaway?

• Default EZ‑Reload amount: the system sets it to $50 from the get‑go.
• No extra convenience fees: the usual $0.25 fee is gone – just smooth sailing.

So, while the 0.3 % rebate may not make you scream for joy, the EZ‑Link convenience and waived fees give the card a win in the everyday wallet game.

Get This Card If You…

Foodie Cash‑Back Fiesta

Wanna keep those cravings at bay and still feel like you’re on a foodie vacation? Grab up to 20% off every online order and treat yourself to more meals without breaking the bank.

Why this card is your new kitchen sidekick

• Sheng Siong & Watson’s: Smash cravings while you get a sweet cashback on groceries.
• StarHub: Save a slice on your monthly bundle—less binge, more binge-worthy shows.
• Utility Bills: Because even your power bill can drop a payment hit.

All‑in‑One Cash‑Back Card = Everyday Delight

Throw away the idea of juggling multiple discount apps. One card gives you the freedom to indulge, binge, and bill down in one go. No fuss—just instant savings, every bill and bite.

5. DBS ALTITUDE VISA

How the DBS Altitude Visa Helps You Bounce Around the City

Imagine a credit card that literally boots up your public transport spend—every dollar you drop into SimplyGo earns you 1.5 miles that can be swirling your way to destinations. It’s like having a secret cookie jar that gives you extra miles for each murmur of your wallet.

Key Highlights at a Glance

• 1.5 Miles Per Dollar – Every $1 spent on bus, train, or metro rides via SimplyGo nets you 1.5 miles.
• Cash‑Back Cap – The reward only goes up until you hit a total spend of $1,200. Anything beyond that, you’re in the zone of “iron‑clad spending limits” – no extra miles, but still a fancy card in your wallet.
• Free Public Transport Payouts – No hidden fees for double‐checking your travel log or mystery surcharge surprises.

What this Means for Your Daily Commute

Each time you tap your card onto the gate, 1.5 miles are quietly added to your account. Over a month, those miles can stretch into a playlist of destinations—parking spots, cafés, or the occasional pop‑up sale. It’s the same as having a loyal travel companion, minus the need to book reservations in advance.

How to Keep Track and Maximise the Rewards

1. Keep your SimplyGo balance under 1,200 and you can tap into the full bunch of miles. 2. Swap that petty cash into a transport fare and watch your miles accumulate like a portal into a realm of discount possibilities.

Ready to lift your city travel experience to the next altitude? Grab the DBS Altitude Visa and let it give you a lift that’s worth more than the fare!

Get This Card If You…

UOB Ladies Card: Your Ticket to Travel Bliss

Think of this card as your passport to the world, with a few extra perks that make the journey even sweeter.

Spend While You Travel

• 3 miles per dollar on selected online flight and hotel bookings – because who doesn’t love earning rewards while planning a getaway?

Safety First

• Get complimentary travel accident insurance worth up to $1,000,000. Just charge the full travel fare to your card, and you’re covered.

Where It All Starts

Grab your card, plan your flight or hotel, and let the rewards roll in while you enjoy your trip. It’s simple, it’s smart, and it’s… a little fancy.

Snag 10x UNI$ (or 20 Miles) When You Spend S$5!

If you’re a spender who loves a good deal, this card has got you covered. Pick one of seven sweet spots – from makeup to travel – and watch your miles stack up.

Choose Your Sweet Spot

• Beauty & Wellness – Vibe with fresh cosmetics and spa vibes.
• Fashion – Rock the latest styles and go trend‑setting.
• Dining – Treat yourself to meals, cocktails, and culinary adventures.
• Family – From groceries to kids’ toys, keep the household budget happy.
• Travel – Book flights, hotels, and those dreamy getaways.
• Transport – Car rides, taxis, public transit – every trip earns rewards.
• Entertainment – Movies, concerts, theme parks – the fun never stops.

Pick one of those categories and you’ll earn 4 miles for every dollar you spend. That’s a 100% boost over the standard rate – because why settle for less when you can have a double‑treat?

Going Luxe? Get Free Instalments

Thinking about splurging on a high‑end shoe box or that drool‑worthy handbag? The Lady’s LuxePay Plan lets you spread the cost over 6 or 12 months for free, as long as your purchase is S$500 and above – no matter if it’s local, online or overseas. Talk about waving goodbye to the point‑of‑sale payment headache!

Year‑End Shopping? Get a $180 Cashback Hunt

When the holiday season rolls around and your wallet is ready for a year‑end spree, consider applying through SingSaver for up to $180 cashback. It’s like having a secret stash that tastes even sweeter with each purchase.

So, ready to turn those everyday spendings into a rain cloud of rewards?