The clip, viewed more than two million times since being uploaded to YouTube on Sunday, shows a woman sitting with a child, shouting at fellow passengers.
The incident happened on the Croydon-to-Wimbledon Tramlink route.
Emma West, 34, of New Addington, Croydon, is accused of a racially-aggravated public order offence.
She was arrested on Monday and is due to appear before Croydon Magistrates' Court later.
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