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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.

Editor's note: Card offers and rates are subject to change by the issuing bank at any moment. This article was last updated in November 2023.

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.


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Below is a chart comparing the best 7 credit cards on the market for Grab rebates or rewards.

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

$800/month

$1,600/ month

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

3% Cashback on Grab rides (weekdays)
$600/month $60
Air miles UOB Lady's 6 miles per dollar None S$1,000
Air miles Citi Rewards 4 miles per dollar None S$1,000
Air miles HSBC Revolution 4 miles per dollar None S$1,000
Air miles Amex Singapore Airlines KrisFlyer Ascend 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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⚡Flash Deal⚡: Get an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 Vouchers on top of welcome rewards when you are one of the first 200 new UOB cardmember and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Applicants 201st and onwards get S$60 worth of vouchers. Valid from 22 Mar - 31 Mar 2024. T&Cs apply.

Plus, receive 5x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144) in our March Mardness Grand Lucky Draw. Valid till 31 Mar 2024 only. T&Cs apply.

UOB ONE Card Welcome Offer: Get S$350 Cash Credit if you are the first 200 new-to-UOB credit cardmember and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 March 2024. T&Cs apply.

Also, get up to 15% cashback on quarterly spend from selected merchants and services if you sign up within the promotional period. Valid till 31 March 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 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.

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⚡Flash Deal⚡: Get an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 Vouchers on top of welcome rewards when you are one of the first 200 new UOB cardmember and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Applicants 201st and onwards get S$60 worth of vouchers. Valid from 22 Mar - 31 Mar 2024. T&Cs apply.

Plus, receive 5x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144) in our March Mardness Grand Lucky Draw. Valid till 31 Mar 2024 only. T&Cs apply.

UOB EVOL Card Welcome Offer: Receive S$350 Cash Credit as the first 200 new-to-UOB credit cardmembers monthly, with a minimum spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 March 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.


UOB Lady's Card: Earn 6 miles per dollar

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The UOB Lady's card allows you to earn a whooping 6 miles per dollar (15 UNI$) on Grab rides, provided Transport is selected as your bonus category at the start of every quarter. 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 earned in blocks of S$5.

UOB_SS_LIGHTNING_BLOGARTICLE_KV1_800x250

⚡Flash Deal⚡: Get an Apple iPad 10th Gen 10.9 wifi 64GB (worth S$691.60) or Dyson Airwrap (worth S$859) or S$350 Vouchers on top of welcome rewards when you are one of the first 200 new UOB cardmember and make a min. spend of S$1,000 for 2 consecutive months from card approval date. Applicants 201st and onwards get S$60 worth of vouchers. Valid from 22 Mar - 31 Mar 2024. T&Cs apply.

Plus, receive 5x chances to win a pair of Round Trip Business Class tickets to Tokyo (worth S$13,144) in our March Mardness Grand Lucky Draw. Valid till 31 Mar 2024 only. T&Cs apply.

UOB Lady's Card Welcome Offer: Get S$350 Cash Credit if you are the first 200 new-to-UOB credit cardmembers and make a min. spend of S$1,000 per month for 2 consecutive months from card approval date. Valid till 31 March 2024. T&Cs apply.

Our Best Deal Guarantee promises you the best deal only with SingSaver. If you find a better offer elsewhere, submit a claim, and we'll reward you with double the difference. Valid till 31 March 2024. T&Cs apply.


Citi Rewards Card: Earn 4 miles per dollar

CitiRewardsMC

The Citi Rewards card earns you 10X Rewards (4 miles per dollar) 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 10X Rewards (4 miles) 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.

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🎉SingSaver's March Madness Grand Lucky Draw🎉: Get 3x chances to win a pair of Round Trip Business Class plane tickets to Tokyo (worth S$13,144) when you successfully apply for a Citibank Credit Card. Promo runs from 6 Mar 2024, 5pm, to 31 Mar 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:

Get a Dyson Supersonic (worth S$699) or Apple iPad 9th Gen 10.2 Wifi 64GB (worth S$508.30) or Dyson V8 Slim Fluffy (worth S$509) or S$400 eCapitaVoucher or S$300 cash via PayNow upon activating and spending a minimum of S$500 within 30 days of card approval. Valid until 31 March 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 (10 HSBC 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 10 HSBC Points are capped at S$1,000 per month and bonuses only apply to contactless and online transactions.

MM_BLOGARTICLE_800x250@2x (1)

🎉SingSaver's March Madness Grand Lucky Draw🎉: Get 2x chances to win a pair of Round Trip Business Class plane tickets to Tokyo (worth S$13,144) when you successfully apply for an HSBC Credit Card. Promo runs from 6 Mar 2024, 5pm, to 31 Mar 2024. T&Cs apply.

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SingSaver's Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC Revolution Card:

Receive a Dyson Supersonic™ hair dryer (worth S$699) or Nintendo Switch OLED (worth S$549) or an Apple iPad 9th 10.2" WiFi 64GB (worth S$508.30) or S$350 eCapitaVoucher upon activating and spending min. S$500 by the end of the following calendar month from the card account opening date. Valid till 31 March 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 e-CapitaVouchers and up to 17,000 KrisFlyer Miles (enough to redeem a return trip to Bali) with annual fee payment and min. S$1,000 spend within first month of card approval. Valid till 31 March 2024. T&Cs apply.

For Existing American Express Card Members: Receive S$150 e-CapitaVouchers and up to 17,000 KrisFlyer Miles (enough to redeem a return trip to Bali) with annual fee payment and min. S$1,000 spend within first month of card approval. Valid till 31 March 2024. T&Cs apply.


 

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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