Ranking for S$150 of transport a month
Cash back a month on S$150 of transport, with S$1,000 in total going on the card (so minimum-spend conditions up to that amount are met). Your own numbers go in the calculator above.
| # | Card | Rate | Cash back a month | Conditions |
|---|---|---|---|---|
| 1 | POSB Everyday Card | 10% | S$15 | SimplyGo (bus and MRT); card top-ups excluded |
| 2 | UOB One Card | 5% | S$12.50 | SimplyGo (bus and MRT), extra on top of the quarterly cashback; includes S$5 share of the fixed tier cashback; more from S$2,000 a month |
| 3 | Standard Chartered Smart Credit Card | 8% | S$12 | Bus and MRT via SimplyGo; more from S$1,500 a month |
| 4 | Citi Cash Back Card | 8% | S$12 | Private commute: taxis and ride-hailing (Grab, Gojek); public transport is excluded |
| 5 | Citi SMRT Card | 5% | S$7.50 | SimplyGo bus and MRT, taxis and ride-hailing |
| 6 | DBS Chromo Card | 5% | S$7.50 | Transport; only if it's one of your two biggest categories that month |
| 7 | DBS yuu Card | 5% | S$7.50 | SimplyGo (bus and MRT) |
| 8 | OCBC 365 Credit Card | 3% | S$4.50 | Land transport (rail, bus, taxis, ride-hailing); EZ-Link and Transit Link top-ups excluded |
| 9 | CIMB World Mastercard | 2% | S$3 | Taxis and automobile; no GrabPay top-ups |
| 10 | UOB Absolute Cashback Card | 1.7% (base) | S$2.55 | — |
| 11 | Citi Cash Back+ Card | 1.6% (base) | S$2.40 | — |
| 12 | OCBC INFINITY Cashback Card | 1.6% (base) | S$2.40 | — |
| 13 | Trust Freedom credit card (formerly Trust Cashback Card) | 1.5% (base) | S$2.25 | — |
| 14 | American Express True Cashback Card | 1.5% (base) | S$2.25 | — |
| 15 | HSBC Advance Credit Card | 1.5% (base) | S$2.25 | more from S$2,000 a month |
| 16 | Standard Chartered Simply Cash Credit Card | 1.5% (base) | S$2.25 | — |
| 17 | CIMB Visa Infinite | 1% (base) | S$1.50 | — |
| 18 | UOB EVOL Card | 0.3% (base) | S$0.45 | — |
| 19 | Citi M1 Card | 0.3% (base) | S$0.45 | — |
| 20 | HSBC Live+ Credit Card | 0.3% (base) | S$0.45 | — |
| 21 | CIMB Visa Signature | 0.2% (base) | S$0.30 | — |
If you mostly use one chain
These rates apply only at the merchants named, or need a condition the calculator can't check, so they aren't in the ranking. If most of your transport goes to one of them, they can beat every card above.
- 18% — SimplyGo (bus and MRT), with the DBS yuu Card; needs S$800 a month and purchases at 4 participating merchants.
- 18% — Gojek, with the DBS yuu Card; needs S$800 a month and purchases at 4 participating merchants.
- 5% — Grab, with the UOB One Card; needs S$600 a month on the card; 6.67% from S$2,000 a month; wallet top-ups excluded.
What counts as transport
MRT and bus rides tapped with a bank card are billed through SimplyGo as local commuter transport (MCC 4111), usually as one charge for a day's rides. Taxis report MCC 4121; ride-hailing apps may come through as taxis or as online spend, depending on how they are set up. Top-ups of a stored-value card such as EZ-Link are a top-up, not transport, and often earn nothing.
The transport cards side by side
| Card | Rate here | Min spend | Cap | Annual fee |
|---|---|---|---|---|
| POSB Everyday Card | 10% (SimplyGo (bus and MRT)) | S$800 a month | no overall cap | S$196.20 |
| UOB One Card | 6.67% (SimplyGo (bus and MRT), extra on top of the quarterly cashback) | S$600 a month | S$120 a month on the bonus | S$196.20 |
| Standard Chartered Smart Credit Card | 10% (Bus and MRT via SimplyGo) | S$800 a month | no overall cap | S$99.19 |
| Citi Cash Back Card | 8% (Private commute: taxis and ride-hailing (Grab, Gojek)) | S$800 a month | S$80 a month | S$196.20 |
| Citi SMRT Card | 5% (SimplyGo bus and MRT, taxis and ride-hailing) | S$500 a month | SMRT$600 per 12 months | S$196.20 |
| DBS Chromo Card | 5% (Transport) | S$500 a month | S$150 a month | S$196.20 |
| DBS yuu Card | 5% (SimplyGo (bus and MRT)) | S$800 a month | S$144 a month on the bonus | S$196.20 |
| OCBC 365 Credit Card | 3% (Land transport (rail, bus, taxis, ride-hailing)) | S$800 a month | S$80 a month (S$160 from S$1,600 of spend) | S$196.20 |
| CIMB World Mastercard | 2% (Taxis and automobile) | S$500 a month | no overall cap | none |
Questions and answers
Does SimplyGo count as transport spend?
When the card's transport category includes local commuter transport, yes — fares tapped with the card itself are charged through SimplyGo. Card top-ups are a different thing and most banks exclude them.
Do Grab and Gojek rides count?
If the card's transport category includes ride-hailing or taxis, rides paid by card in the app usually count. Grab wallet top-ups don't: they are e-wallet top-ups, which most cards exclude.
Other categories
- Best cashback credit cards for dining in Singapore
- Best cashback credit cards for groceries in Singapore
- Best cashback credit cards for online shopping in Singapore
- Best cashback credit cards for petrol in Singapore
- All cashback cards in Singapore
Checked against the banks' own pages and terms on 13 October 2026. Banks change rates, caps and exclusions at short notice — the card's terms on the bank's site are what counts. Tratobor takes no money from banks and has no referral links; this is reference information, not financial advice.