From HandWiki
Short description: Contactless smart card used in Singapore
Launched13 April 2002; 20 years ago (2002-04-13) (FeliCa EZ-Link)
February 2009; 14 years ago (2009-02) (CEPAS card-based EZ-Link)
9 March 2020; 3 years ago (2020-03-09) (as EZ-Link Wallet)
28 January 2021; 2 years ago (2021-01-28) (CEPAS account-based EZ-Link)
OperatorEZ-Link Pte Ltd
ManagerTransitLink Pte Ltd
CurrencySGD ($0 minimum load, $500 maximum load)
Credit expiry5 years
Auto rechargeAuto top-up by Credit card Adult
Auto top-up by Credit Card Concession
Auto top-up by GIRO Adult
Auto top-up by GIRO Concession
  • Metro interchange Mass Rapid Transit (MRT)
  • Light rail interchange Light Rail Transit (LRT)
  • Bus interchange Singapore Buses
  • Monorail Sentosa Express
  • Parking Parking facilities
  • Electronic Road Pricing (ERP)
  • Vending machines
  • TransitLink ticket offices
  • MRT passenger service centres
  • Convenience stores (e.g. FamilyMart, 7-Eleven)
Animation showing how the card is used at ticket gates at train stations
General Ticketing Machines, where commuters can add value to their EZ-Link card or purchase a Standard Ticket
Top up machines commonly seen throughout train stations or bus interchanges

The EZ-Link card is a rechargeable contactless smart card and electronic money system that is primarily used as a payment method for public transport such as bus and rail lines in Singapore. A standard EZ-Link card is a credit-card-sized stored-value contact-less smart-card that comes in a variety of colours, as well as limited edition designs. It is sold by TransitLink Pte Ltd, a subsidiary of the Land Transport Authority (LTA), and can be used on travel modes across Singapore, including the Mass Rapid Transit (MRT), the Light Rail Transit (LRT), public buses which are operated by SBS Transit, SMRT Buses, Tower Transit Singapore and Go-Ahead Singapore, as well as the Sentosa Express.

Established in 2001, the first generation of the card was based on the Sony FeliCa smart card technology and was promoted as the means for speedier boarding times on the city-state's bus and rail services. It had a monopoly on public transportation fare payments in Singapore until September 2009, when the NETS FlashPay card, which had a monopoly over Electronic Road Pricing (ERP) toll payments, entered the market for transportation payments (and vice versa). EZ-Link cards are distributed and managed by EZ-Link Pte. Ltd., also a subsidiary of Singapore's Land Transport Authority.

In September 2009, CEPAS EZ-Link cards replaced the original EZ-Link card, expanding the card's usage to taxis, ERP gantries (with the dual-mode in-vehicle unit), car parks (which have been upgraded to accept CEPAS-compliant cards), convenience stores, supermarkets and fast food restaurants. Compared to NETS FlashPay however, EZ-Link has lesser acceptance at retail shops. EZ-Link can also be used as a payment card at vending machines throughout the country.


The Land Transport Authority introduced its pilot testing of the card to 100,000 volunteers on 26 February 2000. Initially for commuters who made at least five trips on MRT/LRT per week, the card was branded as the "Super Rider". As an incentive, volunteers were given 10% rebate off their regular fare during the one-month period.[1]

Two further tests were made, with the scheme extending to frequent bus users on selected routes, on an invitation basis.[2]

Uses of the card

The card is commonly used in Singapore as a smartcard for paying transportation fees in the city-state's Mass Rapid Transit (MRT), Light Rail Transit (LRT) and public bus services. The EZ-Link function is also used in concession cards for students in nationally recognised educational institutes, full-time national service personnel serving in the Singapore Armed Forces, Singapore Civil Defence Force and Singapore Police Force or senior citizens who are over 60 years old.

The system is similar to the Pasmo and ICOCA cards, and the card's use have since been expanded to retail, private transport, government services, community services, educational institutes and vending machines.

On 17 October 2007, local telco StarHub and EZ-Link Pte Ltd declared the start of a 6-month trial on phones with an embedded EZ-Link card.[3]

From 2009, Singapore motorists can use ez-link cards in their new generation In-Vehicle Unit to pay for Electronic Road Pricing (ERP) and Electronic Parking System (EPS) payments.[4] In August 2016, EZ-Link introduced a post-paid ERP payment service called EZ-Pay.[5]

In March 2016, EZ-Link concluded a trial with the Land Transport Authority and the Infocomm Development Authority of Singapore on the use of compatible mobile phones with Near-Field Communication (NFC) technology to make public transport payments.[6]

In April 2018, the card also gained acceptance on NETS terminals in hawker centres across Singapore.[7]

In September 2018, the EZ-Link card became part of a unified cashless payment system rolled out at 500 hawker stalls across Singapore.[8]

In April 2019, EZ-Link announced it was working with Touch 'N Go to create a dual currency cross-border card for public transport.[9]

Card Variations

In 2007, the Land Transport Authority (LTA) and the Singapore Tourism Board launched the Singapore Tourist Pass produced by EZ-Link to offer tourists unlimited rides on Singapore's public transport system.[10]

In 2015, EZ-Link introduced 'EZ-Charms', trinkets that have full EZ-Link functionalities, such as the Hello Kitty EZ-Charms,[11] that received overwhelming response.[12]

In 2017, EZ-Link launched EZ-Link Wearables, wearable devices that have full EZ-Link functionalities such as fitness trackers.[13]

System for e-Payments (SeP)

A trial to test the system was held from 29 August to 28 October 2008. The trial, which involved some 5,000 commuters, generated 1.7 million transactions and has confirmed that the system is ready for revenue service. Developed in-house by the LTA, SeP is built on the Singapore Standard for Contactless ePurse Application (CEPAS) which allows any smart card that complies with the standard to be used with the system and in a wide variety of payment applications.

With SeP, commuters were able to use cards issued by any card issuer for transit purposes as long as the card complied with the CEPAS standard and included the transit application. Commuters could eventually use CEPAS-compliant cards for Electronic Road Pricing (ERP) payments in vehicles fitted with the new generation In-vehicle Unit (IU), Electronic Parking System (EPS) carparks and other electronic payment systems that supported the CEPAS standard.

During the free one-for-one exchange exercise, most of them replaced their cards during the direct card replacement exercise in 2009. Others seemed to replace new cards after the old cards were out of value and become collectors' value. The new EZ-Link cards also have a higher storage capacity of S$500.00 instead of the previous S$100.00 limit but most passengers keep to the $100 limit in case of loss of card.[14]

EZ-Link App

The EZ-Link App is a mobile application developed by EZ-Link that is available on the Google Play Store and App Store. It was first released as an Android-exclusive app in 2013 under the name 'My EZ-Link Mobile App',[15] and is used for:

  • Topping up of EZ-Link cards and Concession Cards using NFC-enabled Android phones and with debit cards, credit cards and PayLah! as payment options.
  • Registering for EZ-Reload, an auto top -up service with Mastercard or Visa credit card. In August 2018, EZ-Link moved the application for EZ-Reload from web-based forms to the EZ-Link app, shortening the approval process to minutes.[16]
  • Earning of points when paying with EZ-Link to redeem rewards. From February 2018, EZ-Link card users can get one LinkPoint by NTUC Link for every S$2 spent using EZ-Link at retail stalls.[17]
  • Registering for EZ-Pay, a post-paid card-less service for ERP and EPS payments launched in 2016 that removes the hassle of topping up CashCard for motorists in Singapore.[18]
  • On-the-go checking of transactions and balance of EZ-Link.[19]
  • Blocking of EZ-Link when misplaced and recovering of remaining value.
  • QR code payments with EZ-Link Wallet.

EZ-Link Vending Machine

In early September 2019, an EZ-Link merchandise vending machine was introduced at Bugis Junction selling exclusive cards, charms, and other EZ-Link merchandise, such as the Hello Kitty Plush EZ-Charm and the Pusheen the Cat EZ-Link card.[20] The initial introduction was met with very positive response from the public, resulting in long queues during the launch period.[21]

EZ-Link Wallet

On 9 March 2020, EZ-Link launched the EZ-Link Wallet, an e-wallet for mobile phones. Compared to the EZ-Link card which is based on NFC, the EZ-Link Wallet is based on QR code, bypassing the need for payment terminals, relying on smartphones and a printed QR code. It is compliant with the SGQR code system.

An email address and local mobile number are required to register for an EZ-Link account. Users have to top-up the e-wallet with a debit/credit card, and make payments by scanning the QR code at a retail shop and entering the payment amount. Payment can be authorised with either a 6-digit PIN or the phone's fingerprint scanner. Up to 6 debit/credit cards can be saved in the EZ-Link app.

Users can earn EZ-Link Rewards points for each digital wallet transaction, which can be used to redeem vouchers. The EZ-Link Wallet can also be used overseas at an Alipay Connect-enabled merchant in Japan.

Technical data

A pre-CEPAS defaced EZ-Link card, revealing the internal circuitry.

The EZ-Link card operates on a radio frequency (RF) interface of 13.56 MHz at 212 kbit/s, with the potential for communication speeds in excess of 847 kbit/s. It employs the Manchester bit coding scheme for noise tolerance against distance fluctuation between the card and the contactless reader, and implements the Triple DES algorithm for security.


An adult EZ-Link card costs S$12, inclusive of a S$5 non-refundable card cost and a $7 card value.[22][23]

There was a problem with commuters attempting to evade paying the full fare with the prior magnetic fare card system. Under the EZ-Link system, when users tap their card on the entry card reader, the system deducts the maximum fare payable from their bus stop to the end of the bus route. If they tap their card on the exit reader when they disembark, the system will return an amount based on the remaining bus stages to the end of the bus route. If they fail to tap the card on the exit reader when they disembark, the entry card reader would have already deducted the maximum fare payable to the end of the bus route.[24]

Card top-up

EZ-Link card holders could top up their cards in several ways including General Ticketing Machines at all MRT stations,[25] TransitLink Add Value Machine, TransitLink Ticket Offices, convenience stores, ATM machines, AXS Stations, People's Association Community Clubs and Water Venture Outlets and EZ-Reload.

Card holders used to be able to top up using EZ-Online, an online service provided by EZ-Link. This service allowed commuters to view their past transaction records, download discount coupons onto their cards, pay for shopping using the EZ-Link card at selected online merchants (up to S$100 per transaction), and top up their EZ-Link card online through any connected Sony Felica contactless smart card reader.

In 2013, EZ-Link launched the world's first NFC Mobile Application for EZ-Link card top-ups.[26]

From December 2017 onwards, card holders could top up their EZ-Link card using the EZ-Link App on NFC-enabled phones.[27]

Since August 2018, card holders who link their Mastercard and Visa credit or debit cards to EZ-Reload no longer need to pay convenience fees for their top-ups.[28]

Comparison of payment modes

Payment Mode Description Requirements Year Introduced Contactless payment QR code payment Top Up Using Self-help Machines Top Up Using Mobile App Top Up Locations

• EZ-Link cards

• Concession cards

• EZ-Link Motoring cards

• EZ-Charms

• EZ-Link Wearables

• EZ-Link NFC SIM cards

(Card-based Offline Debit)

Card-based stored-value wallet, based on CEPAS standard.

✓ It can be used for retail and public transport payments, without remote management functionality.

✓ Commuters can see their fare cost and card balance at the gantry.

✓ The card-based offline debit EZ-Link cards and EZ-Link Motoring cards are compatible with dual mode in-vehicle units for ERP and carpark payments.

• Concession cards are only available for: children under 7 years old, students, full-time National Servicemen, senior citizens aged 60 years and above, persons with disabilities, Workfare Income Supplement recipients. 2002: FeliCa card
2009: CEPAS card
2021: EZ-Link Motoring Card (CEPAS)

The card-based offline debit EZ-Link cards are no longer sold at TransitLink Ticket Offices since 15 March 2022, to encourage adoption of the SimplyGo account-based system.[29][30]

EZ-Link Motoring cards (with a non-account-based card profile & similar functionality) are still sold at 7-Eleven/Cheers convenience stores, selected Caltex petrol stations, Vicom centres, STA Inspection centres.[31]

Yes N/A Yes with EZ-Link app Top-ups can be made with cash, NETS EFTPOS cards, Visa/Mastercard/JCB cards.
  • Add Value Machine Plus (AVM+), General Ticketing Machines (GTMs)
  • TransitLink Ticket Office
  • Local bank ATMs (DBS/POSB, OCBC*)
  • AXS stations*
  • 7-Eleven convenience stores*
  • Cheers convenience stores*
  • EZ-Link App

(* a service fee is chargeable)

• SimplyGo EZ-Link cards

• SimplyGo Concession cards

(Account-based Online Debit)

Online account-based ticketing wallet, based on CEPAS standard.

As the card information is stored on a central server, the card balance can be topped up without presence of physical card.

✓ It is compatible with the SimplyGo system for remote management of public transport cards.

✗ Fare cost and card balance will not be displayed at the gantry. Commuters have to create an account and sign in to the SimplyGo website or app, to view their travel history and its related fares.

✗ These account-based online debit cards are not compatible with ERP and carpark payments.

2021[32] Yes N/A Yes with EZ-Link app Top-ups can be made with cash, NETS EFTPOS cards, Visa/Mastercard/JCB cards.
  • Add Value Machine Plus (AVM+), General Ticketing Machines (GTMs)
  • TransitLink Ticket Office
  • Local bank ATMs (DBS/POSB, OCBC*)
  • AXS stations*
  • 7-Eleven convenience stores*
  • Cheers convenience stores*
  • EZ-Link App

(* a service fee is chargeable)

• EZ-Link Wallet Stored-value wallet based on QR codes. • An email address and local mobile number are required to register for an EZ-Link account.

• A locally issued Visa/Mastercard card is required to make top-ups.

2020 Tap and pay is available with in-app virtual card by Mastercard[33][34] Yes No with EZ-Link app In-app top up with a locally issued Visa/Mastercard card. Up to 6 Visa/Mastercard card details can be stored in the app.

See also

  • List of smart cards


  1. Karamjit Kaur (25 January 2000). "100,000 commuters needed for smart card test". The Straits Times: pp. 33. 
  2. "Bus pilot test for the Contactless Smart Card" (Press release). SMRT Corporation. 2000. Archived from the original on 29 April 2007.
  3. "EZ-Link and Starhub celebrate the launch of their near-field communication phone trial with 1000 handsets distributed to their customers" (Press release). EZ-Link. 2007.
  4. "LTA launches dual-mode in-vehicle unit for cars" (Press release). Land Transport Authority. 2009.
  5. "EZ-Link launches post-paid ERP payment service". Channel NewsAsia. 2016. 
  6. "Pay for bus, train rides by tapping your phone". The Straits Times. 2016. 
  7. "EZ-Link cards can be used to pay for meals at hawker centre". Channel NewsAsia. 2018. 
  8. "Unified cashless payment system rolled out at 500 hawker stalls across Singapore". The Straits Times. 2019. 
  9. Tariq, Qishin (2019-04-09). "Touch 'N Go is working with Singapore's EZ-Link to make a dual currency card" (in en). The Star. Malaysia. 
  10. "Travel on public transport system a cinch for tourists" (Press release). Land Transport Authority. 2007.
  11. "Say hello to kitty charms for EZ-Link". The Straits Times. 2015. 
  12. "Almost 10000 fans queue for hello kitty EZ-Link charms islandwide, some from midnight". The Straits Times. 2015. 
  13. "EZ-Link introduces wearable devices". Channel NewsAsia. 2017. 
  14. "New features with CEPAS-compliant EZ-Link card". Wayback Machine. 2008. 
  15. "New app turns your smartphone into a top-up machine for ez-link cards". The Straits Times. 2013. 
  16. "EZ-Link promotes e-payment adoption with free auto top-up, loose change top-up". Business Times. 2018. 
  17. "Pay at stores using EZ-Link card and earn NTUC linkpoints". The Straits Times. 2018. 
  18. "EZ-Pay removes the hassle of topping up CashCard for motorists in Singapore". The Straits Times. 2016. 
  19. "7 things you probably didn't know about your EZ-Link card". AsiaOne. 2019. 
  20. "You can get 'Pusheen the Cat' ez-link cards from EZ-Link's first-ever vending machine". 2019. 
  21. "Queues form to buy Pusheen EZ-Link cards & Hello Kitty EZ-charms from Bugis Junction vending machine". 2019. 
  22. "EZ-Link FAQs". EZ-Link. 2018. 
  23. "Where the cards are sold". Wayback Machine. 2013. 
  24. "Useful tips on using EZ-Link card on buses" (Press release). Translitlink. 2005.
  25. hermesauto (2016-12-29). "Credit and debit card top-up for Cepas cards at MRT stations from Jan 1" (in en). 
  26. "New app turns your smartphone into a top-up machine for EZ-Link cards". The Straits Times. 2013. 
  27. GmbH, finanzen net. "Wirecard Partners With EZ-Link and Cheers to Establish a Tailor-made Contactless Card Solution in Singapore Reducing the Usage of Loose Change in the Country | Markets Insider". 
  28. "EZ-Link promotes E-payment adoption with free auto top-up". The Straits Times. 2018. 
  29. "Expiring EZ-Link cards before 31st Dec 2023 - EZ-Link". 
  30. "Singapore’s LTA Sees Strong Take-Up of Open-Loop Payments but has No Plans to End Closed Loop - Mobility Payments". 
  31. "EZ-Link Motoring card - EZ-Link". 
  32. "Account-based EZ-Link cards available for use in Public Transport from 28 Jan - LTA". 
  33. "EZ-Link and Mastercard® team up to extend EZ-Link Wallet acceptance globally, and drive digital payments with enhanced user experience and rewards - Mastercard Newsroom". 
  34. "EZ-Link and Mastercard® team up to extend EZ-Link Wallet acceptance globally, and drive digital payments with enhanced user experience and rewards - EZ-Link". 

External links