GXS Credit Card – The Highest Unlimited Cashback Card in Singapore

The card rewards spending in two main ways: Up to 10% instant unlimited cashback in GrabCoins for eligible Grab transactions, and 1.75% unlimited cashback for eligible everyday purchases. Here’s how each works.

Up to 10% instant unlimited cashback for Grab spends

Booking a ride when you’re running late, ordering dinner after work or getting groceries delivered? Eligible payments for Grab rides, Grab Dine Out, GrabFood, GrabMart and GrabExpress earn rewards when charged to your GXS Credit Card. You can earn up to 10% instant cashback in GrabCoins.

For local Grab spending, you start at 3% cashback in GrabCoins without a minimum spend. Higher rates become available as you meet both Grab and eligible non-Grab spending requirements within the same billing cycle. See the table below for a detailed look at the conditions. Other card rewards are also included. 

T&Cs apply. Rewards are credited upon eligible transactions made from your personal Grab account. That means you must link the GXS Credit Card, and pay with it, when booking Grab services. Cashback for Grab spends is credited instantly in GrabCoins after each transaction. Common exclusions apply across both card types, including insurance premiums, government payments, and education fees. Always check your card's eligible spend list for a full picture of what earns cashback.

Using Grab overseas? Earn a flat 10% instant unlimited cashback

For overseas Grab transactions, the arrangement is simpler: earn a flat 10% instant cashback in GrabCoins without a minimum spend. 

Another traveller friendly-feature: There’s zero foreign exchange fees, so you get more bang for your buck when you use Grab on holiday. 

GrabPay wallet top-ups and PayLater payments are excluded from these Grab rewards. 

How do you use GrabCoins?

GrabCoins are Grab’s loyalty rewards, so the savings go towards future redemptions rather than arriving as cash in your bank account.

You can redeem 500 GrabCoins for S$1 in savings, so 5,000 GrabCoins can offset S$10. You can use them towards eligible Grab rides, GrabFood and GrabMart orders, or browse the catalogue for ride, food and partner vouchers. Available redemptions and their terms can vary.

Using GrabCoins is just as simple as earning them – you can view and redeem your GrabCoins right on your Grab mobile app. Use the GrabCoins toggle at GrabFood and GrabMart checkouts, or redeem them for in-app offers. 

Note that GrabCoins come with an expiry date of six months. So it’s advisable to use your GrabCoins often, rather than trying to accumulate them and risk losing them to a forgotten expiry date. You can check for expiring GrabCoins in the Grab mobile app. 

1.75% unlimited cashback on local spends

Outside of Grab spends, the GXS Credit Card earns 1.75% unlimited cashback on eligible local spending once you hit S$500 in eligible non-Grab purchases per billing cycle. That’s an easy threshold to clear; for most everyday spenders, groceries, dining, transport, online shopping and subscriptions naturally get them there. 

Lighter spending months still earn rewards. You will earn 3% instant cashback in GrabCoins – no minimum spend required. Also, Singtel customers get an extra perk: Earn 1.75% cashback on all Singtel bills with no cashback cap when paying with the GXS Credit Card – regardless whether the S$500 minimum monthly spend is met or not.