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
- Overview: Best credit cards for Grab rides
- Best credit card promo codes for Grab rides
- Should you still use GrabPay?
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.
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:
| 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
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.
SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$200 cash via PayNow or Samsonite Straren Spinner 67/24 (worth S$600) when you are one of the first 2 eligible applicants at 2pm and 10pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 30 September 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 30 September 2026. T&Cs apply.
OCBC 365 Credit Card: 3% cashback
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!
SingSaver Exclusive Offer: Receive the following rewards when you apply for an OCBC 365 Card:
Get S$400 Cash, S$440 Grab Voucher, 25,000 Max Miles by HeyMax (worth S$450), Dyson Airstrait (worth S$799), or Dyson V8 Cyclone cordless vacuum (worth S$559) when you apply and spend minimum S$400 in qualifying transactions within 30 days of card approval. Applicable to new OCBC credit card holders only. Valid until 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$80. Valid till 30 September 2026. T&Cs apply.
- S$80 for a Dyson Airwrap™ (worth S$799); or
- S$150 for a Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729); or
- S$200 for an Apple iPad A16 11-inch (worth S$649); or
- S$300 for Apple AirPods Max 2 (worth S$749); or
- S$570 for a MacBook Neo 256GB Magic Keyboard (worth S$999); or
- S$720 for an Apple iPad Air (M4) 11" Wi-Fi 128GB (worth S$1,149)
UOB EVOL Card: 8% cashback on Grab rides
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.
SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$200 cash via PayNow or Samsonite Straren Spinner 67/24 (worth S$600) when you are one of the first 2 eligible applicants at 2pm and 10pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 30 September 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 30 September 2026. T&Cs apply.
UOB Lady's Card: Earn up to 10 miles per dollar
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.
__IN%20ARTICLE%20BLOG%20BANNER_800x250-KV1.png?width=800&height=250&name=CCAUG_UOB%20(1%20Aug%20-%2031%20Aug)__IN%20ARTICLE%20BLOG%20BANNER_800x250-KV1.png)
SingSaver Exclusive Offer: Get rewarded when you apply for select UOB Credit Cards via SingSaver!
Get S$400 cash via PayNow or Dyson Airstrait (worth S$799) when you are one of the first 3 eligible applicants at 2pm daily to sucessfully apply for selected UOB credit cards and make a min. spend of S$500 within the first 30 days of card approval. Remaining applicants will get S$95 Cash via PayNow. Promotion is valid for new-to-UOB credit cardmembers only. Valid till 31 August 2026. T&Cs apply.
UOB Welcome Offer: Get S$100 Samsung e-vouchers or 10% discount on Samsung Singapore transactions via online store on top of SingSaver exclusive rewards when you apply for a UOB credit card and spend a min. of S$1,000 in the first month from the card’s approval. Valid till 31 August 2026. T&Cs apply.
Citi Rewards Card: Earn 4 miles per dollar
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.
📱Score a Super Smartphone Upgrade📱: Be the first eligible applicant at 3PM and 9PM to apply for Citi Credit Cards to score a reward upgrade to the latest smartphone worth over S$1,800! Valid till 28 September 2026. T&Cs apply.
💰Citi Credit Card + Banking Bundle Offer💰: Score upsized S$500 Cash via PayNow in place of exisiting rewards when you apply for a Citi Credit Card, make a minimum spend of S$500 and hold a valid Citi banking account (existing or newly opened) by the end of the month following card approval. Valid till 30 September 2026. T&Cs apply.
SingSaver Exclusive Offer: Receive the following rewards when you sign up for a Citi Rewards Card:
Receive S$400 Cash via PayNow, The Morning Coffee Machine + 20 Capsules Bundle (worth S$660), 25,000 Max Miles by HeyMax (worth S$450), Dyson Airstrait™ straightener (worth S$799), or Dyson V8 Cyclone Vacuum Cleaner (worth S$559) upon activating and spending a minimum of S$500 within 30 days of card approval. This card offer is exclusively available on SingSaver. Valid till 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$100. Valid till 30 September 2026. T&Cs apply.
- S$100 for a Dyson Airwrap™ multi-styler and dryer (worth S$799); or
- S$150 for a Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729); or
- S$200 for an Apple iPad (A16) 11" 128GB WiFi (worth S$649); or
- S$340 for Apple AirPods Max 2 (worth S$749); or
- S$580 for an Apple MacBook Neo (A18 Pro) 256GB w/ Magic Keyboard (worth S$999); or
- S$740 for an Apple iPad Air (M4) 11" 128GB WiFi (worth S$1,149)
HSBC Revolution Card: Earn 4 miles per dollar
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.
SingSaver Exclusive Offer: Enjoy the following rewards when you sign up for an HSBC Revolution Card:
Get S$450 Upsized Cash, Dyson Airstrait (worth S$799), Dyson V8 Cyclone cordless vacuum (worth S$559), 28,000 Max Miles by HeyMax (worth S$504), or an ECOVACS DEEBOT MINI 2 (worth S$499) upon activating and spending min. S$500 by end of the following calendar month from the card account opening date. Valid until 30 September 2026. T&Cs apply.
Or, upgrade your rewards when you top up as low as S$50. Valid till 30 September 2026. T&Cs apply.
- S$50 for a Dyson Airwrap™ (worth S$799); or
- S$150 for a Dyson Clean+Wash Hygiene hard floor cleaner (worth S$729); or
- S$150 for an Apple iPad A16 11-inch (worth S$649); or
- S$280 for Apple AirPods Max 2 (worth S$749); or
- S$540 for a MacBook Neo 256GB Magic Keyboard (worth S$999); or
- S$680 for an Apple iPad Air (M4) 11" Wi-Fi 128GB (worth S$1,149)
American Express Singapore Airlines KrisFlyer Ascend Credit Card: Earn 3.2 miles per dollar
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.
|
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 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 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.
Read these next:
EZ-Link vs EZ-Reload vs SimplyGo: Best App + Card To Pay For Public Transport in Singapore
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
Back to Blog 
