How to choose the best credit cards for Grab rides

Grab offers a range of services, including ride-hailing and food delivery, across Singapore and Asia. Many people rely on Grab every day, yet aren’t aware that they could be earning extra credit card rewards while doing so.

Read on to compare credit cards that offer rewards on Grab spending, learn about the different types of rewards and how to link your card to Grab.

Compare credit cards for Grab rides

• *Disclaimer

  The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don’t interpret the listing order as an endorsement or recommendation from us. We’re happy to provide you with the tools you need to make better decisions, but we’d like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

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Name	Product	Reward	Grab Offer	Annual Fee	Min Income - Singaporean and PR
UOB Yolo Card		Enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback on online travel bookings and fashion shopping.		S$0 annual fee for 1 year - S$192.60 thereafter	S$30,000	Apply today and enjoy up to 8% cashback on dining, travel, shopping and entertainment. Plus, a further 3% cashback on online travel bookings and fashion shopping.	Go to site More Info	Compare	loading Fetching your data...
American Express Singapore Airlines KrisFlyer Credit Card		For every S$1 spent, get up to 1.1 KrisFlyer miles on all eligible purchases, 2 miles in foreign currency spent overseas (June and December) and 3.1 miles on Grab Singapore transactions (up to S$200 spend in each calendar month).	Earn 3.1 KrisFlyer miles for every S$1 spent on Grab transactions (max. S$200 spend per calendar month). Plus, 500 bonus KrisFlyer miles on your first Grab booking. T&Cs apply. Ends 31 Dec 2019.	S$0 annual fee for 1 year - S$176.55 thereafter	S$30,000	Earn 8,000 bonus KrisFlyer miles when you spend S$5,000 in the first 3 months of card membership and additional 8,000 KrisFlyer miles with minimum spend of S$5,000 in the 4th to 6th month of membership. Ends 30 April 2020.	More Info	Compare	loading Fetching your data...
American Express Singapore Airlines KrisFlyer Ascend Credit Card		For every S$1 spent, get up to 1.2 KrisFlyer miles on all eligible purchases, 2 miles in foreign currency spent overseas (June and December) and 3.2 miles on Grab Singapore transactions (up to S$200 spend in each calendar month).	Earn 3.1 KrisFlyer miles for every S$1 spent on Grab transactions (max. S$200 spend per calendar month). Plus, 500 bonus KrisFlyer miles on your first Grab booking. T&Cs apply. Ends 31 Dec 2019.	S$337.05 annual fee	S$50,000	Earn 16,000 KrisFlyer miles when you spend S$10,000 within the first three months and an additional 12,000 KrisFlyer miles based on 1.2 KrisFlyer miles per S$1 spent locally. Ends 30 April 2020.	More Info	Compare	loading Fetching your data...
Maybank Family & Friends Card		8% cash rebates on groceries, dining, transport and selected merchants with S$800 min. monthly spend	Get 8% cash rebate on Grab rides throughout the year. T&Cs apply.	S$0 annual fee for 3 years - S$180 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	More Info	Compare	loading Fetching your data...
Maybank Horizon Visa Signature Card		Up to 3.2 Air Miles (8X TREATS Points) for every S$1 spent on dining, transport and hotel bookings via Agoda.com/horizon	Earn 3.2 Air Miles (8X TREATS Points) for every S$1 spent on Grab rides.	S$0 annual fee for 3 years - S$180 thereafter	S$30,000	Receive an American Tourister Linex 66/24 Luggage TSA (worth S$260) when you charge to your card or withdraw from your CreditAble account with a minimum of S$300 within the first 2 months.	More Info	Compare	loading Fetching your data...

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What is Grab?

Grab is a company that offers a number of services based around transport. Primarily it is a ride hailing service that allows users to book, track and pay for transport. You can book a taxi, a shared lift or even hire your own vehicle through Grab. Services are extended to bikes and shuttles, and all bookings can be made from a mobile device. Grab also offers a food delivery service via the mobile app that lets you order from a wide selection of cafes and restaurants.

How do credit card Grab promotions work?

There are three main ways in which grab credit card promotions work. These are:

• Cashback. Credit cards can offer you cashback on your Grab expenses. These rewards are typically calculated as a percentage of spend. Credit cards may offer “bonus cashback” when you use Grab. This means you’ll accumulate savings at a higher rate with Grab spend than with other spend. Be sure to check the terms and conditions of your card to find out whether there are any caps on cashback rewards.
• Accelerated points. Some credit cards will offer you accelerated points earning on Grab spend. For example, you may have a rewards credit card that regularly offers you one reward point for every S$1 spent, but offers you 2 rewards points for every S$1 of Grab spend. If you’re a regular Grab user, this can be a great way to quickly accumulate rewards points.
• Accelerated miles. If you’re a frequent flyer or saving for your next holiday, you may want to consider a credit card reward that offers accelerated air mile earning. This means that every time you spend with Grab, you’ll earn air miles at a higher rate. If you regularly catch Grab rides or use Grab to order dinner a couple of nights a week, you could quickly accumulate enough air miles for a trip overseas.

How to choose the best credit card for Grab rides

When choosing a credit card that offers rewards on Grab spend, be sure to consider:

• • Grab privileges. Credit cards may offer varying levels of Grab privileges. If you can find a credit card that offers a high rate of cashback as a welcome offer, grab it while you can.
  • Minimum spend requirements. Some rewards only kick in if you reach a minimum monthly spend. If you want to maximise your rewards, be sure to choose a card that has no minimum monthly spend requirements or a threshold that you know you’ll be able to meet.
  • Card fees. When looking for a credit card it’s best to check for any sign-up fees, annual fees, late payment fees and cash advancement charges. Even no-fee credit cards are likely to have some charges, even if it is only the interest rate charges on overdue balances. Always read the terms and conditions associated with a credit card before signing up.

How to link a credit card to Grab

Linking your chosen credit card to Grab is a very simple process. You’ll have to:

• • 1. Download the Grab app
    2. Select “GrabPay” from the menu
    3. Select “Add payment method”
    4. Choose credit card (or debit card if preferred)
    5. Enter your card details and click “save”

Once you have linked your card to the Grab app you can begin booking car rides or other orders. Grab also offers “GrabPay credits” which are prepaid and can be shared between users.

Bottom line

Grab offers a range of convenient services, from ride-hailing to food delivery. If you find yourself using Grab regularly, a credit card that offers rewards on Grab spend could save you money. If you’re ready for a credit card that is partnered with Grab, start comparing your options today.

Frequently asked questions

• Am I eligible for a credit card with Grab rewards?

  Credit cards all have individual eligibility criteria, determined by the bank. Most Singaporean credit cards require applicants to be over the age of 21 and have a healthy credit history. Grab rewards can be found on a range of credit cards, some with minimum income requirements of only S$30,000 at the lower end of the spectrum.

• How much can I save with a Grab credit card reward?

  Savings are typically calculated as a percentage of spend – for example, 8% cashback on your fare when you order a taxi through Grab. It’s best to be wary of caps or limits when it comes to cashback promotions. If you order S$100 worth of food for yourself and friends through Grab, you may expect to see S$8 cashback. If the cap on this promotion is S$4, your savings will only be S$4, not the expected S$8.

• Is GrabPay safe?

  Grab uses a fraud detection engine to ensure that all your transactions with Grab are safe. Your credit card should also have inbuilt safety mechanisms to protect against fraud and unusual transactions.