Transport

Best credit cards for SimplyGo, MRT & Grab (2026)

Grab rides, MRT taps, and the SimplyGo trap most cards fall into.

Citi Rewards card art
CitibankS$196.20/yr, first year free
Top pick

Citi Rewards

Grab, Gojek and TADA rides booked in-app count as online spend — 4 mpd on every ride, no minimum spend.

4mpd

on almost everything online — travel excluded

Capped at S$1,000/statement month
Shopping, food delivery, streaming, ride-hailing — no minimum spend. Also covers selected offline shopping like department stores.

Watch out for

  • Paying in-app with Apple Pay or Google Pay doesn't count as online — use your stored card number instead.
  • SimplyGo bus and MRT taps don't earn points — only rides booked in-app (Grab, Gojek, TADA) count.

Also consider

Good picks when the top card doesn't fit how you spend.

Also consider
UOB Preferred Visa card art

UOB Preferred Visa

The SimplyGo card. Tap your phone at the gantry and MRT and bus rides earn 4 mpd — something most cards can't do at all.

4mpd

on mobile contactless — tap your phone or watch

Capped at S$600/calendar monthPhone/watch tap only
Includes SimplyGo — your MRT and bus rides earn miles too.

Watch out for

  • Physical card taps don't earn the bonus — it has to be your phone or watch.
  • UNI$ accrue per S$5 block — transactions under S$5 earn nothing at all.

Frequently asked questions

Do credit cards earn miles on SimplyGo?

Most don't — DBS, Citi and OCBC cards generally earn nothing on transit, even where the T&Cs don't say so. UOB Preferred Visa via phone tap is the reliable 4 mpd option.

Do Grab rides earn miles?

Yes — rides booked in-app and charged to your stored card count as online spend (4 mpd on Citi Rewards or DBS Woman's World). GrabPay wallet top-ups earn nothing.

Do EZ-Link top-ups earn miles?

No — EZ-Link app and ticket-machine top-ups earn zero on essentially every card. Tap your phone-wallet card at the gantry instead.

Related guides

Last updated 4 July 2026. Earn rates and caps change — confirm details on the bank's site before applying. Spot an outdated rate?