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Best credit cards for Grab

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

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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. 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
UOB Yolo Card
Wide range of discounts. Plus, complimentary travel insurance
Up to 8% cashback on Grab.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get up to S$230 in bonus cash credits. T&Cs apply.
UOB One Card
Get S$150 cash credit when you apply. Minimum S$1,500 spend within 30 days. First 400 eligible applicants only.
Get up to 10% cashback on Grab.
S$0 annual fee for the first 1 year and S$192.60 thereafter
S$30,000
Apply today and get up to S$150 in bonus cash credits. T&Cs apply.
HSBC Visa Platinum Credit Card
Earn 1 Reward point for every $1 on all spend.
Receive S$30 worth of Grab rides when you apply online with MyInfo via SingPass.
S$0 annual fee for the first 2 years and S$192.60 thereafter
S$30,000
New cardholders can receive a Samsonite Prestige 69cm Spinner Exp suitcase (worth S$670) or S$150 cashback, if a minimum of S$800 is spent using the card in the qualifying spend period. T&Cs apply. Ends 31 Aug 2020.
American Express Singapore Airlines KrisFlyer Credit Card
Enjoy money-saving offers on Hertz, Grab and at restaurants in Singapore and overseas
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
Earn up to 29,800 KrisFlyer miles with minimum spend of S$8,000 in your first 6 months.
HSBC Revolution Credit Card
Up to 10X Rewards points (4 miles per S$1 spent) on qualifying purchases
Receive S$30 worth of Grab rides when you apply online with MyInfo via Singpass.
S$0 annual fee for the first 2 years and S$160.50 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
American Express Singapore Airlines KrisFlyer Ascend Credit Card
Complimentary stay at a Hilton hotel in Asia Pacific each year. Plus, enjoy four airport lounge passes
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 up to 56,200 KrisFlyer miles with S$16,000 minimum spend within six months.
HSBC Advance Credit Card
Enjoy annual fee waivers, up to 20.2% off your fuel, 1-for-1 lifestyle offers, and more
Receive S$30 worth of Grab rides when you apply online with MyInfo via Singpass.
S$0 annual fee for the first 1 year (permanently waived for HSBC Advance banking customers) and S$192.60 thereafter
S$30,000
New cardholders will be awarded with a Samsonite Prestige 69cm Spinner Exp with built-in scale (worth S$670) or S$150 cashback with minimum spend of S$800 within the qualifying spend period. Receive an additional S$30 worth of grab rides when you apply online with MyInfo via SingPass. T&Cs apply. Ends 31 Aug 2020.
Citi Rewards Credit Card
Up to 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 September 2020
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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. 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. Plus, the company offers a grocery delivery service.

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 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 spending

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.
  • 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 credit 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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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.

Aside from Grab credit card promos, 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’.

Image: Grab Singapore

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