The Best Credit Cards with EZ-Link or NETS FlashPay Functions

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Best Ez-link credit cards

It happens to the best of us. Realising that we forgot our EZ-Link card just before we board the bus. Or perhaps we have our EZ-Link card, but there’s no more money in it. Imagine the sting when you also realise that you only have a S$10 note in your wallet…

Well, if that has happened to you more times than you’d like to admit, you definitely should continue reading this post. We’re going to talk about a possible solution for these EZ-Link/NETS FlashPay woes we face when it comes to taking public transport.

The simple answer lies in getting a credit card that is combined with EZ-Link/NETS FlashPay facility. Having a combined EZ-Link or NETS FlashPay credit card has several benefits:

  • You don’t have to carry multiple cards around. When you step out, you’re bound to carry your credit card (unless you forgot your wallet). So, having a combined card means one less card to worry about.
  • You no longer have to worry about insufficient balance if you enable automatic top-ups of your card balance.
  • Some cards also offer additional benefits like waiving off the convenience fee for top-up transactions made on the credit card.

Suggested reading: 15 Essential Tips for Managing Your Credit Card

Credit cards that take care of your transportation needs in Singapore

1. OCBC FRANK Credit Card

EZ Link and Flash NETSPay

With the OCBC FRANK Credit Card (full review here), you can cash in on everything you love – from online shopping, “drunkapades” at bars, wake-me-ups at select cafes, date nights at cinemas, and some good old fun with KTVs.

How does this credit card benefit your intra-Singapore travel?

With the OCBC FRANK Card, you will earn a 3% rebate on the first two NETS FlashPay Auto Top-Ups (ATU) you make every month. The card can be used on buses and trains, car parks that are ERP and CEPAS-compliant, as well as at retailers and restaurants that accept NETS FlashPay.

What you should take note of

  • You will be charged a fee of S$0.25 per auto top-up.
  • Auto top-ups for NETS FlashPay are fixed for at S$50 for every top-up.
  • You need to make in-store transactions of at least S$400 per month to qualify for this rebate. Online transactions and NETS FlashPay Auto Top-Ups do not count towards this minimum spend amount.

Liked this card? Apply for it now on Bankbazaar in minutes and get an exciting free gift!

FRANK Credit CardFRANK Credit Card
Card Type: Cash rebate
Annual Fee: S$80 (2-year fee waiver)
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Rewards:

  • 6% cash rebate on online transactions
  • Up to 5% cash rebate on entertainment transactions
  • 3% cash rebate on first 2 NETS FlashPay auto top-ups
  • Minimum offline spend of S$400 per month with a cash rebate cap of S$60 per month

Also read: Mileslife Guide: What is Mileslife + How to Earn Miles + Which Cards to Use

2. DBS Live Fresh Card

EZ Link Nets Flash Pay

Expand your online shopping forte with the DBS Live Fresh Card (full review here) that offers timely promotions for the young and fresh. Order that gorgeous dress, party hard, and travel safe!

How does this credit card benefit your intra-Singapore travel?

The DBS Live Fresh Card comes pre-enrolled with EZ-Reload so you can use it as an EZ-Link card. You simply have to activate it at a General Ticketing Machine. Once activated, your EZ-Link purse will automatically get topped-up in case of insufficient funds.

What you should take note of

  • As this credit card is pre-enrolled for the EZ-Link facility, you will have to activate it through an SMS activation code sent by the bank. It may take up to 10 days to receive the code.
  • The default automatic top-up amount is S$40. However, you can change this designated amount to an amount of your choice. The steps to change this predesignated amount can be found here.

Must read: Guide to the Best Cashback Credit Cards + When to Use Which Cards

3. Standard Chartered Unlimited Cashback Card

Credit cards for EZ Link and Nets FlashPay

For those who can’t decide what they spend the most on, how about a card that just offers cashback on everything screaming retail: ergo, the Standard Chartered Unlimited Cashback Card?

How does this credit card benefit your intra-Singapore travel?

The Standard Chartered Unlimited Cashback Card (full review here) is not only enabled with the EZ-Link facility but comes pre-enrolled with EZ-Reload.

You can activate the EZ-Reload facility through ARN or Autoload Reference Number. This way, your card will be topped-up automatically if you have insufficient funds. The best part about this card is that there no longer is any convenience fee that is charged to your card for each top up!

What you should take note of

The top-up amount is set at S$50.

Considering this credit card? Apply for it on Bankbazaar and get an exciting gift!

SCB Unlimited Cashback Credit CardSCB Unlimited Cashback Credit Card
Card Type: Cashback
Annual Fee: S$192.60 (2-year fee waiver)
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Rewards:

  • 1.5% cashback on all eligible transactions
  • No cap on the cashback earned
  • No minimum spend requirement
  • All-in-one card that doubles up as an EZ-Link card

Related: Which Credit Cards to Use for Complimentary Airport Lounge Access

4. Citibank SMRT Card

EZ Link Flash NetsPay

It’s quite funny to hear non-locals read this card as “SMART” the first time instead of “SMRT”. Well, this card does have an edge over the others, especially when speaking of SMRT rides. Here’s what we figured out about the Citibank SMRT Card (full review here).

How does this credit card benefit your intra-Singapore travel?

Like others of its kind, the Citibank SMRT Card also moonlights as an EZ-Link card and comes with the EZ-Link facility. However, unlike others of its kind, the convenience fee charged per auto-top is waived on this card. This means that you will not be charged for EZ-Reload Auto Top-Up transactions made on this credit card.

Additionally, EZ-Reload transactions above S$30 will earn you 2% SMRT$ and transactions of S$30 and below will earn you 1% SMRT$.

What you should take note of

  • If your monthly retail spend is below S$300, the SMRT$ rebate you earn will be 0.3% less.
  • SMRT$ are rebates that can be accumulated and redeemed for cash rebate and SMRT Rewards Vouchers at Giant, POPULAR, Shaw Theatres, Sheng Siong, and Watsons. You can redeem your SMRT$ online or at participating merchant outlets.

Get this card on Bankbazaar along with a gift!

Citibank SMRT CardCitibank SMRT Card
Card Type: Cash rebate
Annual Fee: S$192.60 (2-year fee waiver)
Apply Now
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Rewards :

  • Up to 5% savings at selected supermarkets, movies, fast food, and coffee
  • Up to 3% savings on online shopping
  • Rebates are given in the form of SMRT$
  • No convenience fee for EZ-Reload ATUs

Also read: Citi PayAll 101: How Rewarding Is Citi’s New Payment Platform?

Wild ‘credit card’ entry: HSBC Revolution

Credit cards for EZ Link and Nets FlashPay

The HSBC Revolution Card (full review here) is the only card on our list that does NOT come with EZ-Link or NETS FlashPay function. But we’re pretty sure that you’ll find it relevant nonetheless.

How does this credit card benefit your intra-Singapore travel?

This card offers you 5x Rewards points on eligible online transactions. Luckily for you, the 5x Rewards points are also applicable to your EZ-Link, NETS FlashPay, and Transitlink top-ups.

What you should take note of

You will only earn Rewards points on your top-ups for the first S$200 spent every month as there is a cap of 1,000 Rewards points per month per account.

Related: The Complete Guide to When Your Credit Card Rewards Points & Miles Expire

See, life can be simple and convenient

Do you have one of these cards and didn’t realise you can also double it up as an EZ-Link card? Which card are you making space for in your wallet for next?

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