Use These 7 Credit Cards To Pay For Your Grab Rides

Alevin Chan

Alevin Chan

Last updated 31 October, 2023

Save more on every Grab ride you take when you pay with these 7 credit cards.

Many Singaporeans take Grab rides daily or at least weekly. Not only are they convenient, but they are fast (usually!), and, most importantly, you can easily book one with a few simple taps on your smartphone.

If you're a serial Grabber, learn to maximise your spending with credit cards. That way, even if you're spending a tidy sum on Grab rides every week, you're still earning – in the form of cashback or miles – something in return.

The first decision to make is whether you prefer cashback, miles or reward points as a form of rebate for each Grab ride. Only then can you figure out what the right credit card is for you.

Table of contents

Disclaimer: Card offers and rates are subject to change by the issuing bank at any moment. This article was last updated on 2 April 2024.

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🆚SingSaver's Cashback vs Miles Campaign (Round 1) 🆚: Are you Team Cashback or Team AirMiles?

Receive rewards of up to S$370 Voucher or up to 34K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Switzerland, Zurich (worth 320K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Click here to check out our past Lucky Draw winners!

 


Looking for the best credit cards to complement your spending patterns and expenditure in 2024? Check out our Ultimate Credit Card Guide that covers all things credit cards in Singapore – from choosing between a cashback, miles, or rewards credit card to planning your credit card strategy.


Best credit cards for Grab rides

Below is a chart comparing the best 7 credit cards to earn cash rebates, miles, or rewards points on your Grab rides.

Click to jump to:

Best Credit Card For Grab Rides 🚗
REBATE TYPE CREDIT CARD REBATE MIN. SPEND REQUIRED MONTHLY CAP
Cashback UOB One Card Additional 5% rebate (up to 10%) on all Grab transactions $500 / S$1,000 / S$2,000 per month per quarter Depends on tier
Cashback OCBC 365 Card 3% cashback on local and overseas rides

$800 per month

$1,600 per month

$80 / $160
Cashback UOB EVOL Card 8% cashback on Grab rides (weekend)

3% Cashback on Grab rides (weekdays)
$600/month $60
Air miles UOB Lady's Card 6 miles per dollar None S$1,000
Air miles Citi Rewards Card 4 miles per dollar None S$1,000
Air miles HSBC Revolution Card 4 miles per dollar None S$1,000
Air miles AMEX Singapore Airlines KrisFlyer Ascend Card 3.2 miles per dollar None $200

UOB One Card: Up to 10% rebate on all Grab transactions

UOB One Card

If you're worried about your GrabPay top-ups not contributing to your eligible Grab spend, the UOB One card takes away that headache for you.

Pay with this card and earn an additional 5% rebate on ALL Grab transactions, not just rides!

Rebates for the UOB One card work a little differently: rewards are awarded on a quarterly basis and in a lump sum. This is why most reviews out there will recommend that you try to hit your minimum spend just right, because any amount above that won't earn you more rebates.

There is a different minimum spend required for every month of the quarter to qualify for their different rebate tiers.

Tier 1: If you spend at least S$500/month with a min. of 5 transactions every month for the whole quarter, you'll earn $50 cash rebate for that quarter. This works out to around 3.33%.

Tier 2: If you spend at least S$1,000/month with a min. of 5 transactions every month for the whole quarter, you'll earn $100 cash rebate for that quarter. This also works out to around 3.33%.

Tier 3: If you spend at least S$2,000/month with a min. of 5 transactions every month for the whole quarter, you'll earn $100 cash rebate for that quarter. This works out to around 5%.

When you've hit the minimum spend for these tiers, any Grab transactions charged to your UOB One card will earn you an additional 5% rebate, earning you up to 10% if you're a heavy Grab user.

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🆚SingSaver's Cashback vs Miles Campaign (Round 1) 🆚: Are you Team Cashback or Team AirMiles?

Receive rewards of up to S$370 Voucher or up to 34K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Switzerland, Zurich (worth 320K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

UOB One Card Welcome Gift: Enjoy the following rewards when you sign up for a UOB One Card (Team Cashback):

Get S$350 Cash Credit as one of the first 200 new-to-UOB credit cardmembers with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.


OCBC 365 Credit Card: 3% cashback

OCBC365

If you're a frequent traveller and regularly take Grab rides on overseas trips, you'll love that the OCBC 365 Credit Card offers 3% cashback on all local and overseas private hire rides and taxis (whether it's Grab, Uber, ComfortDelGro or more).

You'll even receive complimentary travel insurance of up to S$500,000 when you charge your round-trip tickets to your card!

Don’t forget, this card also gives 5% cashback on local and overseas dining and food delivery, and 3% cashback on groceries – as long as the stipulated minimum spend is met.

Hitting the minimum S$800 minimum spend will see you earn S$80 cashback cap but if you are a big spender, hitting a S$1,600 minimum spend will unlock a S$160 cashback!


UOB EVOL Card: 8% cashback on Grab rides

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Receive up to 8% cashback on Grab rides during the weekend, and 3% cashback on weekdays with the UOB Evol card.

Do note the 8% cashback also applies to all online shopping, dining and entertainment spend and that you need to spend a minimum spend of $600 on the card before you qualify for the above rates. Total cashback from all spend is also capped at $60 per month, so remember to budget your spend per category.

UOB EVOL Card Welcome Offer: Get S$350 Cash Credit as one of the first 200 new-to-UOB credit cardmembers with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.


UOB Lady's Card: Earn up to 10 miles per dollar

uob-ladys-card

Previously, the UOB Lady's card netted you a whopping 6 miles per S$1 (15 UNI$ per S$5) spend on Grab rides, provided that Transport is selected as your preferred category at the start of every quarter.

[Update!] But now, this bonus miles earn rate has since reverted to its original 4 mpd rate (10 UNI$ per S$5) – with the exception that when paired with the UOB Lady's Savings Account, you can earn an additional 6 mpd (15 UNI$ per S$5) on your preferred category. Essentially, that's a total of 10 mpd on Grab rides alone!

Other bonus categories include beauty & wellness, dining, entertainment, family, fashion, and travel. And despite its name, the UOB Lady's card is also available for men to apply.

However, do note that the bonus miles earn rate is capped at S$1,000 a month and UNI$ are strictly earned in blocks of S$5.

CASHBACKAIRMILES_BLOGARTICLE_800x250@2x

🆚SingSaver's Cashback vs Miles Campaign (Round 1) 🆚: Are you Team Cashback or Team AirMiles?

Receive rewards of up to S$370 Voucher or up to 34K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Switzerland, Zurich (worth 320K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

UOB Lady's Card Welcome Gift: Enjoy the following rewards when you sign up for a UOB Lady's Card (Team AirMiles):

Get a chance to enjoy an exquisite dining experience for two at Michelin-starred restaurants (worth S$900) when you are one of the first 150 applicants every month during the promo period and make a min. spend of S$1,500 per month for 2 consecutive months from card approval date. Valid till 30 June 2024. T&Cs apply.


Citi Rewards Card: Earn 4 miles per dollar

CitiRewardsMC

The Citi Rewards card earns you 4 miles per S$1 (10X Rewards Points) spend on rides with Grab, ComfortDelGro and Gojek. This makes it a handy miles card to have in your wallet to pay for all your cab rides.

Besides using the Citi Rewards Card for your Grab rides, you can also earn 4 mpd on online and retail purchases. These include popular e-commerce stores such as Shopee, Lazada, and Qoo10, department stores like TANGS, and physical clothing/shoes/accessory stores like ShopSassyDream, Beyond The Vines, and more.

Do note that 10X Rewards is capped at 9,000 Bonus Points per statement month on Qualifying charges made at eligible merchants, while the Base Points have no cap. Thus, you can stand to earn more than 10,000 Rewards Points per month provided that the remaining > 1,000 Points earned are Base Points.

CASHBACKAIRMILES_BLOGARTICLE_800x250@2x

🆚SingSaver's Cashback vs Miles Campaign (Round 1) 🆚: Are you Team Cashback or Team AirMiles?

Receive rewards of up to S$370 Voucher or up to 34K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Switzerland, Zurich (worth 320K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

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SingSaver's Exclusive Offer: Receive the following rewards when you sign up for a Citi Rewards Card (Team AirMiles):

Get a Dyson Supersonic (worth S$699) or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Sony Portable Theatre System HT-AX7 (worth S$759) or S$350 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 2 June 2024. T&Cs apply.

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Plus, upgrade your rewards when you top up S$999 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Alternatively, top up S$1,488 for a Samsung Galaxy S24 Ultra Titanium Gray 12+512GB 5G (worth S$2,128). Valid till 2 June 2024. T&Cs apply.


HSBC Revolution Card: Earn 4 miles per dollar

HSBC-revolution

Similar to the Citi Rewards card, the HSBC Revolution card allows you to earn 4 miles per dollar (10X Rewards Points) on online and mobile contactless transactions.

Obviously, this includes Grab, Comfort, Gojek and other ride-hailing platforms.

Other plus points for the HSBC Revolution card include zero annual fees and a free subscription to ENTERTAINMENT with HSBC.

Do note that the bonus 10X Rewards Points are capped at S$1,000 per month and bonuses only apply to contactless and online transactions.

CASHBACKAIRMILES_BLOGARTICLE_800x250@2x

🆚SingSaver's Cashback vs Miles Campaign (Round 1) 🆚: Are you Team Cashback or Team AirMiles?

Receive rewards of up to S$370 Voucher or up to 34K Miles when you sign up for any participating Cashback or Miles Credit Card, respectively, within the promo period. The team with the most applications wins the rewards! Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Plus, get up to 31x chances to win a Pair of RETURN Business Class Tickets to Switzerland, Zurich (worth 320K Max Miles) in the Grand Lucky Draw when you successfully apply for participating products. Promo runs from 8 May, 5pm - 21 May 2024. T&Cs apply.

Enjoy the following rewards when you sign up for an HSBC Revolution Card (Team AirMiles):

HSBC CC_KV2_BLOGARTICLE_800x250

⚡Flash Deal⚡: Get a PlayStation 5 Disc Version (worth S$799) or a Dyson Airwrap (worth S$859) or S$500 e-capita Vouchers when you are one of the first 500 to apply and spend a minimum of S$500 by the end of the following calendar month from the card account opening date. Remaining applicants will enjoy SingSaver Exclusive rewards. Valid till 4 June 2024. T&Cs apply

SingSaver's Exclusive Offer: Receive a Dyson Supersonic™ hair dryer (worth S$699) or an Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher or 21K Max Miles upon activating and spending min. S$500 by the end of the following calendar month from the card account opening date. Valid till 4 June 2024. T&Cs apply.

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Plus, upgrade your rewards when you top up S$200 to get a Xiaomi Robot Vacuum X20 (worth S$699) or Sony Portable Theatre System HT-AX7 (worth $$759). Alternatively, top up S$1,099 for an Apple MacBook Air 13” (M3 chip) 256GB (worth S$1,599) or an Apple iPhone 15 Pro 128GB (worth S$1,664.25). Valid till 4 June 2024. T&Cs apply.


American Express Singapore Airlines KrisFlyer Ascend Credit Card: Earn 3.2 miles per dollar

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Beef up your air miles account with every Grab ride with the AMEX Singapore Airlines KrisFlyer Ascend Credit Card.

Pay for your commutes using this card and earn a cool 3.2 KrisFlyer miles per S$1. Offer is capped at the first S$200 spend in each calendar month, but that’s still 660 miles earned per month.

Amex Singapore Airlines KrisFlyer Ascend Credit Card Welcome Gift:

For New-to-American Express Card Members: Receive S$300 eCapitaVouchers and up to 17,000 KrisFlyer Miles (enough to redeem a return trip to Bali) when you pay the annual fee and make a minimum spend of S$1,000 within the first month of card approval. Valid till 29 May 2024.  T&Cs apply.

For Existing American Express Card Members: Receive up to 34,000 KrisFlyer Miles (enough to redeem a return trip to Bali) when you pay the annual fee and make a minimum spend of S$1,000 within the first month of card approval. Valid till 29 May 2024. T&Cs apply.


Best credit card promo codes to use for Grab rides

User type
Promo code
Promo mechanics
Expiry
Mastercard users
MCGRAB
S$5 off transport with no min. spend
31 Dec 2024
UnionPay users
UPISG
S$3 off with min. S$15 spend
31 Oct 2024
UOB_Logo 1
UOB card users
KFUOB
S$10 off to/from Changi Airport/CIP Terminal (excluding GrabShuttle, GrabHitch)
1 Jun 2024
KFUOBCC
S$15 off to/from Changi Airport/CIP Terminal (excluding GrabShuttle, GrabHitch)
 
Limited to first 1,000 redemptions
1 Jun 2024
UOBGRAB5
S$5 off with min. S$15 spend
31 Dec 2024
Maybank-logo
Maybank card users
MBXXX
(where XXX refers to first 3 letters of the month e.g. MBAPR)
S$1 off with min. S$8 spend
31 Dec 2024

Is it still worth it to use GrabPay?

If you were part of the GrabPay hype train when Grab seemingly took over our online marketplace ecosystem by storm, virtually (no pun intended) every transaction could be paid with using the GrabPay wallet

In fact, Grab was so successful in expanding its business prospects that they even unveiled their own GrabPay Mastercard that works just like a debit card. It's connected to users' GrabPay wallet and enables you to tap and pay without relying on scanning QR codes.

But with all the nerfs in the recent years, Grab's monopoly on the market has since loosened its grip. From the GrabPay Card only earning 0.3% point rebate on F&B to insurance premiums being rejected, it's been a rollercoaster of a ride. So if you ask us, you're better off using one of these credit cards – along with their credit card promo code – on your next Grab ride to earn more cashback or miles on your commutes.

 

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11 Credit Cards You Can Use As Your EZ-Link Card For Bus/MRT Via SimplyGo
How To Earn Miles On MRT And Bus Rides With SimplyGo
Bus Lane Timings in Singapore

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.

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