2. Use The Best Credit Card For Public Transport With SimplyGo or Ez-Reload
With the introduction of SimplyGo in April 2019, you can completely bypass the EZ-Link card, and use your credit card to pay for public transport. There are quite few credit cards that can earn you some pretty neat rebates for public transport.
Here are some of them:
1. Maybank Family & Friends Credit Card — 8 per cent cash rebate on public transport
The Maybank Family & Friends card has the highest cash rebate of 8 per cent for public transport rides. The catch is that you need to spend $800 per month to earn it, although this card functions very well as a multi-category cashback card so you can easily consolidate all your regular spending on it.
Alternatively, you can hit a minimum spend of $500 and you’ll still get a 5 per cent rebate, which is relatively good too. Anything under $500 is a waste – you only get 0.3 per cent.
2. DBS Live Fresh Card — 5 per cent cash back on all contactless payment
Another great card to use with SimplyGo is the DBS Live Fresh Card. It gives you 5 per cent cash back on all contactless and mobile payments, including public transport expenses, if you meet the $600 monthly minimum spend.
Cash back is capped at $60 per month though ($20 on eligible online spend, S$20 on eligible Visa contactless spend and S$20 on all other spend).
If for whatever reason you don’t want to use SimplyGo, you can also EZ Reload to automatically top up your EZ Link card with your preferred credit card. For this case, the Citi SMRT card is a popular one.
3. Citi SMRT Card — up to 2 per cent cash back for EZ-Reload transactions
The Citi SMRT Card is one of the best for public transport – you get 1 per cent rebate in SMRT$ (which is convertible to cash rebates at no cost) when you use the EZ-Reload Auto Top-up function for transactions under $30. If you spend above $30 per transaction, the rebates are bumped up to 2 per cent.
If your monthly statement retail purchases are less than $300, your SMRT$ earn rate will be 0.3 per cent less.
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