Best Cashback/Miles Cards to Use For SimplyGo (Public Transportation) in 2026
Here are the best cards to use for your bus and MRT rides to get either cashback or miles.
Cashback Cards
Banks tend to be disingenuous with cashback earn rates, so I have marked out a few of the cards below.
UOB One, for instance, advertises a 10% earn rate for public transportation rides, but you would often earn a mere 3.33% for most other spend, decreasing your effective cashback yield a fair bit. If you meet the minimum spend solely on bus/train rides, your effective yield is 8.33%.
Note that you also have to fulfil the minimum spend and spend conditions (if any) on almost all of these cards.
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 DBS yuu | Tier 1: 5% rebate Tier 2: 18% rebate | 28,800 bonus points worth S$144 (S$811.27 spend) | 1️⃣ Tier 1: no min. spend 2️⃣ Tier 2: min. spend of S$800 per month + spend at ≥4 yuu partners |
 Maybank Family and Friends | Tier 1: 6% cashback Tier 2: 8% cashback | Tier 1: $20 cashback (S$333.33 spend) Tier 2: S$30 cashback (S$375 spend) | 1️⃣ Tier 1: min. spend of S$800 per month 2️⃣ Tier 2: min. spend of S$1,600 per month 💳 Transport category selected |
 Trust Cashback Card | 5% to 15% cashback¹ | S$30 to S$250 quarterly cashback cap | 💲 Minimum spend of S$500, $1,000 or S$2,000 per month for 3 months |
 POSB Everyday | 10% cashback¹ | S$20 cashback (S$200 spend) | 💲 Minimum spend of S$800 per month |
 UOB EVOL | 10% cashback¹ | $30 cashback (S$300 spend) | 💲 Minimum spend of S$800 per month |
 OCBC FRANK | 10% cashback¹ | S$25 cashback (S$312.50 spend) | 💲 Minimum spend of S$800 per month |
 DCS Flex | 6% cashback | S$25 cashback (S$416.67 spend) | 💲 Minimum spend of S$600 per month |
 DBS Live Fresh | 6% cashback | S$20 cashback (S$333.33 spend) | 💲 Minimum spend of S$800 per month |
 Citi SMRT Card | 5% cashback | $600 cashback (annual cap) | 💲 Minimum spend of S$500 per month |
 UOB One | 8.33% to 10%¹ cashback | Bonus cashback capped at S$100 | 💲 Spend S$500, S$1,000 or $2,000 per month for a quarter |
 Chocolate Card | 1.8% rebates | S$1,000 spend | 1.8% to 3.6% assumes using Max Miles earned for FlyAnywhere Heymax account required Earn rate can increase with Multiplier Programme |
- Advertised rate can be quite misleading. A high cashback rate can be watered down due to a low sub-limit and minimum spend. For instance, Trust Cashback Card advertises 15% cashback, but the cap is on S$1,666.67 of spend while S$6,000 of spend is required to unlock this earn rate. The remaining spend only earns 1% cashback which dilutes the 15% earn rate.
Miles Cards
If you’re a miles person instead, here are the best cards for that:
| Card | Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
DBS yuu | Tier 1: 2.77 mpd Tier 2: 10 mpd | 28,800 bonus points worth 8,000 miles (S$811.27 spend) | 1️⃣ Tier 1: no min. spend 2️⃣ Tier 2: min. spend of S$800 per month + spend at ≥4 yuu partners |
 UOB Preferred Platinum Visa | 4 miles per dollar | 2,400 miles (S$600 spend) | 💲 Points awarded in blocks of S$5 spend 📲 Mobile contactless payment or app/online |
 UOB Visa Signature | 4 miles per dollar | 4,800 miles (S$1,200 spend) | 💲 Minimum spend of S$1,000 per month |
 UOB Lady’s Solitaire | 4 miles per dollar | 3,000 miles (S$750 spend) | 💳 Transport category selected |
 UOB Lady’s | 4 miles per dollar | 4,000 miles (S$1,000 spend) | 💳 Transport category selected |
 KrisFlyer UOB Credit Card | 1.2 / 2.4 miles per dollar | Unlimited | 💲 1.2 mpd: no min. spend 💲 2.4 mpd: min. annual spend of $1,000 on SIA Group |
Chocolate Card | 1 mile per dollar | 1,000 miles (S$1,000 spend) | Heymax account required Earn rate can increase with Multiplier Programme |
Promos
There are occasional promos that banks run that give extra rewards for SimplyGo transactions.
Below is one such recent promo which has ended. The best way to keep up with such things is to stay subscribed to the Telegram.
Other cards
For other cards, banks generally do not exclude bus/MRT fares from their rewards so you should be able to use general spend cards for your rides. There are, however, a few exceptions:
| Card Issuer | SimplyGo Exclusion |
|---|---|
| American Express | Not Excluded |
| Bank of China | Not Excluded |
| Chocolate Card | Not Excluded |
| CIMB | Not Excluded |
| Citibank | Excluded |
| DBS / POSB | Not Excluded |
| DCS | Not Excluded |
| HSBC | Not Excluded |
| MariBank | Excluded |
| Maybank | Not Excluded |
| OCBC | Depends¹ |
| Standard Chartered | Not Excluded |
| Trust Bank | Not Excluded |
| UOB | Not Excluded |
- Not excluded for OCBC Rewards and OCBC FRANK. Excluded for other cards
SimplyGo
There is no registration required and all you have to do is to tap your credit card against the card reader of the bus or MRT gantry. If you wish to see a history of your bus rides, you should create an account at the SimplyGo website. Sign up with code RS7CD151D2FA and make 30 trips within 30 days to get a S$5 FairPrice evoucher.
Use the same device or card for tapping in to tap out. Using two different methods, even if the fare is charged to the same card, can result in double deductions. If this happens, you can file a claim at the SimplyGo website.
Adult Monthly Travel Card
If your fares exceed $128 per month, consider getting an adult pass for unlimited rides instead.
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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hi there, what about cards like DBS Altitude or OCBC 365?
Hi, any points/cashback for purchasing the Adult Monthly Travel Pass?
Why no mention of OCBC Frank 8% contactless + 2% bonus for SimplyGo