The Citi SMRT Card is the only credit card in Singapore that partners with SMRT, one of Singapore’s major transport companies. Simply activate the card at TransitLink office to use it as your EZ-Link card. You can use this card for either EZ-Reload or SimplyGo.
At 2% rebate for any EZ-Reload transactions over $30, you’ll save quite a bit after a year. The rebates are rewarded in SMRT$, which can be redeemed for vouchers or free rides. 1 SMRT$ is equal to S$1 worth of vouchers, which means that you can earn $40 worth of SMRT vouchers with the SMRT$48 you accumulate in a year (SMRT vouchers come in denominations of 10).
But the 2% rebate comes with strings attached: you need to spend a minimum of $300 per month, failing which you only qualify for a 0.3% rebate. You can also only earn up to 600 SMRT$ in a year.
Each EZ-Reload transaction must also be over $30; anything below earns 1% SMRT$. Fortunately, the default EZ-Reload amount is set at $30, which can be changed at any time.
The great thing about this card is there are no convenience fees for EZ-Reload top-ups, usually charged at $0.25 per transaction. And if you can meet the minimum spend, you save quite a bit on your train rides, which can be redeemed with vouchers.
Alternatively, you can also tap to pay for your public transport fares directly. You will need to activate the SimplyGo function at any General Ticketing Machine to switch your payment mode from EZ-Link to contactless payment to use SimplyGo. Unlike the 2% earn rate for EZ-Reload, you will only earn 0.3% rebate when you spend more than $300 a month, or no rebate at all if you fail to spend at least $300.
Get This Card If You…
Want to earn rebates and free train rides with your rebates. In addition to the 2% rebate from EZ-Reload transactions, you can also earn up to 5% rebate at groceries, 5% rebate on coffee and fast food, and 1% rebate on recurring bills.
Want extra household savings or Grab discounts. You save more on groceries, shopping or Grab rides.
Apply for the Citi SMRT card here.
