The best credit cards for Grab rides in April 2021 | Finder Singapore
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Best credit cards for Grab rides

Here's how to compare credit cards offering rewards as you spend with Grab.

Grab offers a range of services, including ride-hailing and food delivery across the country. Read on to compare credit cards that offer rewards on Grab spending. Plus, see how easy it is to link your card and enjoy the services of the Singapore-based company.

Compare credit cards with Grab offers

Name Product Reward Grab Offer Annual Fee Min Income - Singaporean and PR
KrisFlyer UOB Credit Card
Earn 3 KrisFlyer miles per S$1 when you spend with Singapore Airlines, Scoot, SilkAir or KrisShop and 1.2 KrisFlyer miles per S$1 on all other spend.
Take a Grab car to or from the airport and receive S$15 off twice a year per cardmember.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive S$150 (first 100 successful applications) plus 3,000 KrisFlyer miles when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 30 April 2021.
UOB One Credit Card
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 30 April 2021.
Get up to 10% cashback on Grab.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 30 April 2021.
UOB Yolo Card
Enjoy a wide variety of discounts and cashback rebates on dining, entertainment, online shopping and travel.
Up to 8% cashback on Grab.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Receive S$150 cash credit (for first 100 successful UOB personal credit card applications) when you apply for a new credit card and spend at least S$1,500 within 30 days from card approval date. T&C apply. Ends 30 April 2021.
American Express Singapore Airlines KrisFlyer Credit Card
Earn 1.1 KrisFlyer Miles per S$1 spent on purchases with no cap.
Earn 3.1 KrisFlyer miles for every S$1 spent on Grab transactions (max. S$200 spend per calendar month).
S$0 annual fee for the first 1 year and S$176.55 thereafter
S$30,000
Get up to 13,300 KrisFlyer miles with a minimum spend of S$3,000 in your first 3 months and an additional complimentary stay at Conrad Centennial Singapore Deluxe Room (worth up to S$300++) if you are new to American Express.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Earn 1.2 KrisFlyer miles per S$1 spent on local purchases, with no cap.
Earn 3.2 KrisFlyer miles for every S$1 spent on Grab transactions (max. S$200 spend per calendar month).
S$337.05 annual fee
S$50,000
Get a complimentary stay at Shangri-La Hotel, Singapore, Garden Wing Deluxe City View Room (worth up to S$450++) when you spend S$5,000 within the first three months and an additional 10,000 KrisFlyer miles if you are new to American Express. T&Cs apply. Ends 30 June 2021
Citi Rewards Credit Card
10X Rewards on eligible online and retail purchases, capped at 10,000 points per statement month.
1X Rewards for other retail purchases.
10X Rewards (4 Miles) on Grab rides.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Get 30,000 Citi Thank You points when you spend S$3,000 in the first 3 months. T&Cs apply. 30 June 2021
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Compare up to 4 providers

Who is Grab?

Grab is a company that offers a number of services based around transport. Primarily it’s 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. 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. Plus, the company offers a grocery delivery service.

Many people rely on Grab every day, yet may not be aware that they could be earning extra credit card rewards while doing so.

How do Grab credit card promotions work?

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

  • 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 spending. 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 miles 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.

Read more about how credit card promotions work.

How to choose the best credit card for Grab spending

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

  • Grab privileges. By shopping around, you could find a host of Grab credit card promos. For example, using the UOB One Credit Card can bag you up to 10% on all Grab transactions. 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. One great card here is the Citi Rewards Card, which also lets you earn on rides with ComfortDelGro and Gojek.
  • 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.
  • Rewards. Find a rewards scheme that works for you. Knowing that you’ll use Grab often is only the first step. To truly maximise your rewards you should find a credit card rewards system that you can maximise. If you’re a frequent flyer, look for a credit card with an air miles program; if you’re just trying to lower your bottom line, cashback cards may be your best option.
  • Features. Credit card features may include compatibility with mobile payment systems, access to ATMs abroad or the ability to link multiple supplementary cards to a primary account. If you’re after a particular credit card feature, be sure to shop around to find a bank and card that offer it.
  • Security. Most credit cards have inbuilt mechanisms that provide security and protect against fraud. Extra layers of protection, such as one-time passwords, SMS verification and transaction notifications can be available. If you find one of these additional safeguards to be a necessity, double-check that the card you’re eyeing provides it.

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

  • Download the Grab app
  • Select “GrabPay” from the menu
  • Select “Add payment method”
  • Choose credit card (or debit card if preferred)
  • 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 to find a Grab credit card promo, start comparing your options today.

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Questions you still might have

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 your friends through Grab, you might expect to see S$8 cashback. but 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.

Aside from Grab credit card promotions, what other perks are available to me?

Grab regularly offers sign-up benefits to new and existing customers. In the past, this has included giving customers S$10 off their first two rides by opting to go ‘cashless’.

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Image: Grab Singapore

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