Best credit cards for Grab in Singapore
Whether you commute by GrabCar or order dinner on GrabFood, the right card can turn everyday spend into meaningful rewards. Here are the cards worth comparing and how to pick the one that fits your spending.
Top cards at a glance
| Card | Grab reward | Cap | Annual fee |
|---|---|---|---|
| Everyday Cashback CardBank A | 8% cashback on Grab | Up to S$25/month | S$120 (first year waived) |
| Travel Miles CardBank B | 4 miles per S$1 on Grab | No monthly cap | S$196.20 (waivable) |
| Lifestyle Rewards CardBank C | 6% cashback on transport & food delivery | Up to S$20/month | S$0 |
How to choose the right card for you
- Decide miles vs. cashback. Frequent travellers get more value from miles; everyone else usually prefers the certainty of cashback.
- Check the bonus cap. Most elevated rates apply only up to a monthly or statement spend cap — make sure your Grab spend fits within it.
- Mind the payment method. Some cards require contactless or mobile-wallet payment to earn the top rate.
- Factor in the annual fee. A fee is worth it only if your rewards comfortably exceed it after any waiver.
Frequently asked questions
Do Grab rides and GrabFood earn the same rewards?
Not always. Some cards reward only transport (rides) while others include food delivery and GrabMart. Check the merchant categories your card counts toward the bonus rate.
Does paying with GrabPay affect my rewards?
It can. Topping up a GrabPay wallet is sometimes treated as a different category than paying a merchant directly, so you may not earn the elevated Grab rate. Paying the card directly at checkout is usually safer.
Are the elevated reward rates permanent?
No. Issuers adjust bonus categories, caps, and fees regularly. Always confirm the current terms before you apply or rely on a particular rate.
Sources
- Grab Singapore — GrabCar & Transport Services (official Grab product page for ride-hailing and GrabPay payment options)
- MoneySense — Understanding Credit Cards (Singapore government's national financial education programme, covering reward structures, fees, and responsible card use)