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Which card for… › MRT and buses

Best credit card for MRT and buses

MRT and buses is usually charged as public transport. Paying by tapping your card. Ranked from each bank's own terms, Oct 2026.

Miles cards

Joint best · these 2 earn the same

  1. UOB Lady's CardUOB · Miles Easy
    4 mpd≈ 400 miles on S$100

    No minimum spend · Cap: S$1,000 a month · Your chosen bonus category

  2. UOB Lady's SolitaireUOB · Miles Easy
    4 mpd≈ 400 miles on S$100

    No minimum spend · Cap: S$1,500 a month · Your chosen bonus categories

Next best

  1. These 2 earn the same
  2. DBS Vantage Visa InfiniteDBS · Miles Easy
    1.5 mpd≈ 150 miles on S$100

    No minimum spend · Cap: No cap

  3. Standard Chartered BeyondStandard Chartered · Miles Easy
    1.5 mpd≈ 150 miles on S$100

    No minimum spend · Cap: No cap

  4. These 3 earn the same
  5. BOC Elite MilesBank of China · Miles Easy
    1.4 mpd≈ 140 miles on S$100

    No minimum spend · Cap: No cap

  6. HSBC Premier MastercardHSBC · Miles Easy
    1.4 mpd≈ 140 miles on S$100

    No minimum spend · Cap: No cap

  7. UOB PRVI MilesUOB · Miles Easy
    1.4 mpd≈ 140 miles on S$100

    No minimum spend · Cap: No cap

  8. These 2 earn the same
  9. DBS AltitudeDBS · Miles Easy
    1.3 mpd≈ 130 miles on S$100

    No minimum spend · Cap: No cap

  10. OCBC VOYAGEOCBC · Miles Easy
    1.3 mpd≈ 130 miles on S$100

    No minimum spend · Cap: No cap

  11. These 4 earn the same
  12. Amex KrisFlyer Ascend Credit CardAmerican Express · Miles Easy
    1.2 mpd≈ 120 miles on S$100

    No minimum spend · Cap: S$200 a month

  13. HSBC TravelOneHSBC · Miles Easy
    1.2 mpd≈ 120 miles on S$100

    No minimum spend · Cap: No cap

  14. KrisFlyer UOB Credit CardUOB · Miles Easy
    1.2 mpd≈ 120 miles on S$100

    No minimum spend · Cap: No cap

  15. Standard Chartered JourneyStandard Chartered · Miles Easy
    1.2 mpd≈ 120 miles on S$100

    No minimum spend · Cap: S$1,000 a statement

Cashback cards

Best

  1. Maybank Family & Friends CardMaybank · Cashback Some effort
    6%S$6.00 cashback on S$100

    Minimum spend: S$800 a month · Cap: No cap · Your chosen categories

Next best

  1. Citi SMRTCiti · Cashback Some effort
    5%S$5.00 cashback on S$100

    Minimum spend: S$500 a statement · Cap: No cap · SimplyGo bus and train

  2. Trust Freedom · StockbackTrust · Cashback Easy
    3%S$3.00 cashback on S$100

    No minimum spend · Cap: S$500 cashback a quarter · Stockback on local spend

  3. These 2 earn the same
  4. DCS Ultimate Platinum MastercardDCS · Cashback Easy
    2%S$2.00 cashback on S$100

    No minimum spend · Cap: No cap

  5. UOB Absolute Cashback CardUOB · Cashback Easy
    2%S$2.00 cashback on S$100

    No minimum spend · Cap: No cap · Contactless with the physical card

  6. OCBC INFINITY CashbackOCBC · Cashback Easy
    1.6%S$1.60 cashback on S$100

    No minimum spend · Cap: No cap

Try another amount or way of paying

Other ways of paying at MRT and buses

EZ-Link top-up

Top-up · often no rewards

Miles: no card
Cashback: UOB Absolute Cashback Card (0.3%)

See every card for this
Why "usually"?

Banks decide bonuses by the code the shop's bank gives it (the MCC). Banks publish which codes count, but not each shop's code, so this is how MRT and buses is usually charged. Rates assume you qualify for any minimum spend shown, and haven't used up the card's cap this month. Cards with many hurdles are left out here; the full tool can include them.

Read more

Best card for public transportCompare UOB Lady's Card and UOB Lady's Solitaire

The right card at MRT and buses, every time

The Cardinko app knows which of your own cards still has bonus left this month, and logs Apple Pay taps for you.

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