Best Credit Cards for Grab Rides 2019

People who love to use ride-sharing apps like Grab can save money by using a credit card that provides special discounts. Below, you can compare some of the best credit cards for Grab rides that we found in the Singapore marketplace.

Best Credit Cards for Grab Rides
Best for CashbackUOB OneUp to 5% flat rebate, up to S$300/quarter
No-FeeCIMB Platinum MC10% rebate on medical, transport & dining
OCBC 365Rebates on essentials, easy fee-waiver
Maybank Horizon3.2 miles per S$1 on food & transport
Grab & Welcome MilesAmex SIA KrisFlyerUp to 20,500 bonus miles & S$150 SIA credit in 6 mo
High SpendersUOB PRVIFee-Waiver & 20,000 bonus miles, 2.4 miles per $1 overseas
Low SpendersMB Family & FriendsRebates in Singapore & Malaysia, low S$500 minimum
Grab for Young AdultsUOB YOLOUp to 8% cashback on Grab & entertainment
OCBC Frank6% online, 5% entertainment rebate, low S$400 minimum

Best Flat Rebate Card for Stable Budgets: UOB One Card

Consider this if you want to maximise your cash rebate and spend about S$2,000 per month

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Earn an additional 5% rebate (up to 10%) on Grab rides, food & top-ups
  • Receive up to 6% rebate on Singapore Power utilities bill
  • Receive up to S$100 cashback with S$1,000 spend in 1st month

Consumers who consistently spend S$2,000/month can earn 5% cashback, up to S$300/quarter, with UOB One Card–the best flat rebate card on the market. UOB One Card is especially great for Grab because cardholders can earn an additional 5% rebate–adding up to 10%–on Grab rides, food and top-ups. The extra cashback is earned on top of the S$300/quarter limit. Lower spenders earn just 3.33% on general spend, but still receive an extra 5% rebate on Grab transactions.

Consumers also receive S$100 worth of free Grab rides when they apply for UOB One Card, plus S$5 off each of their first 2 Grab rides. Altogether, UOB One Card is not just a great way for average consumers to maximise earnings from all spend, it’s also one of the best cards on the market for rebates on Grab.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate, up to S$300/quarter (S$2,000 min spend)
  • 3.33% rebate, up to S$100/quarter (S$1,000 min spend)
  • 3.33% rebate, up to S$50/quarter (S$500 min spend)
  • UOB SMART$ Rebate Programme
  • Up to 24% fuel savings with SPC, 20.8% with Shell

Best No-Fee Credit Cards for Grab Rides

Some of the best credit cards on the market have no annual fees, or easy fee waivers. We’ve identified a few no-fee options below that also offer great rewards for spend on Grab.

Best No-Fee Cashback Card for Transport & Medical: CIMB Platinum MasterCard

Consider this if you want a specialised rebate credit card for health, transport and dining

Annual Income Requirement Singaporean & Singapore PR: S$30,000. Singaporean & Singapore PR, aged 55 years and above: S$15,000. Applicants who do not meet the minimum income requirement can submit a minimum Fixed Deposit Collateral of S$10,000
Foreigner Income Requirement N/A
Promotions:
  • Up to 10% off bookings with Expedia & Booking, 8% with Agoda

CIMB Platinum MasterCard is the best no-fee card available for transport–including Grab–because if offers 10% cashback on taxis, private hires, airlines, hotels, travel agencies, railways (& more) after just S$800 minimum spend. Cardholders also earn this rate for medical, dining, petrol, travel spend in foreign currency, and even transactions with select electronics/furnishings vendors.

In addition, with CIMB Platinum MasterCard, you can earn up to S$100/month, which is one of the highest earning potentials on the market. You’ll also enjoy perks like access to CIMB’s 0% Interest i.Pay Instalment plan, which allows you to earn cashback for purchases on the plan (extremely rare). Ultimately, CIMB Platinum MasterCard offers extraordinary cashback rates for Grab and transport without ever charging a fee.

Read Our Full Review

  • Annual fee: Free
  • 10% cashback on medical, transport & petrol, dining, overseas travel & select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
  • Annual fee: Free
  • 10% cashback on medical, transport & petrol, dining, overseas travel & select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan

Best No-Fee Rebate Card for Everyday Spend: OCBC 365 Card

Consider this if you are looking for a credit card for general day-to-day use

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • Receive S$40 cashback for sign-up w/ select electricity retailers

If you prefer using just one card to earn on all of your spend, OCBC 365 Card is the best option for Grab rides and everyday rebates. Cardholders earn 6% cashback on dining & online food delivery and 3% on groceries, online travel bookings, recurring bills, and land transport. Transport includes Grab (as well as Go-Jek, ComfortDelGro and others), and unlike with alternative cards, there is no category cap. Essentially, you can continue to spend on Grab and earn 3% cashback until your rebates from all of your spend reach the S$80 monthly cap.

OCBC 365 Card does require S$800 minimum spend, so it may be best for people buying in larger quantities or for families. However, the S$192.6 fee is waived 2 years, and subsequently with just S$10,000 annual spend. In general, if you’re looking for an everyday card and want to earn on Grab rides, OCBC 365 may be the best option for you.

Read Our Full Review

  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges
  • Annual fee: S$192.6, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on dining & online food delivery
  • 3% rebate on groceries, land transport, recurring bills & online travel
  • Up to 23% fuel savings with Caltex, 20.4% with Esso, 5% other stations
  • Free travel insurance, Visa Signature Privileges

Best No-Fee Card for Local Miles: Maybank Horizon Visa Signature Card

Consider this if you want to maximise miles earned on dining and petrol

Annual Income Requirement S$50,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive S$100 rebate w/ S$800 spend (req. 2 card applications + Creditable acct)

If you’re looking for a no-fee miles card that rewards Grab rides, consider Maybank Horizon Visa Signature Card–an option that stands out for its low minimum spend requirement and high local rewards rate. After just S$300 spend, cardholders earn 3.2 miles per S$1 spend on local dining, petrol, and taxi fares (including Grab). These rates are markedly high compared to those offered by other travel cards, which tend to offer 1.2 miles to 1.4 miles per S$1 local spend. Spend on air tickets, travel packages, and overseas also earns 2 miles per S$1.

As a result, Maybank Horizon Card is the best option for Grab if you’re interested in earning miles, but spend most of your time and budget locally. You can even avoid paying the S$180.0 fee with S$18,000 annual spend, making the card especially affordable.

Read Our Full Review

  • Annual fee: S$180.0, 3-year waiver, subsequently with S$18,000 annual spend
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance
  • 3.2 miles per S$1 local spend on dining, petrol, taxis, Grab & hotel bookings with Agoda
  • 2 miles per S$1 spend on air tickets, travel packages & foreign currency transactions
  • Up to 17.2% fuel savings on petrol in Singapore
  • Access to airport lounges & free travel insurance

Best Card for Grab Rides & Welcome Miles: American Express Singapore Airlines KrisFlyer Card

Consider this if you want to easily earn welcome bonus miles and fly mostly on Singapore Airlines’ various brands

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Spend S$5k within the 1st 3mo, receive 7,500 bonus miles
  • 1,500 KrisFlyer Miles each for the first two approved supplementary cards
  • S$150 Cashback for use with Singapore Airlines when you spend S$12,000

American Express Singapore Airlines KrisFlyer Card is not only one of the best cards for rewards on Grab rides, it’s also the best miles card for bonuses and promotions. Cardholders immediately earn 5,000 miles with their first spend, followed by up to 15,000 bonus miles with S$10,000 spend within the first 6 months. After S$12,000 spend, cardholders also receive $150 cash credit to Singapore Airlines. In terms of rewards, consumers earn 1.1 miles per S$1 general spend (2 miles overseas in June & December), 2 miles with SingaporeAir, SilkAir, and KrisShop, and 3.1 miles with select merchants (Deliveroo, Unity, The Coffee Bean & Tea Leaf and more).

Amex SIA KF Card is especially great for earning miles on Grab, however. Consumers receive 3.1 miles per S$1 spend on Grab rides, and even receive 500 bonus miles with their first Grab booking. It’s worth noting that earnings from Grab are capped at 620 miles/month, however, which is equivalent to about S$6 in rebate. Regardless, miles earned by Grab are a great complement to the broader opportunity provided by bonuses and loyalty to Singapore Airlines, making Amex SIA KF Card one of the best on the market.

Read Our Full Review

  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab, up to 620mi/mo
  • 3.1 miles per S$1 spend with select merchants (Starbucks, Unity, SISTIC & more), up to 620mi/mo
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 miles overseas in June & December only
  • 2 miles per S$1 spend on SingaporeAir online & app, SilkAir, KrisShop in-flight & online
  • 3.1 miles per S$1 spend on Grab, up to 620mi/mo
  • 3.1 miles per S$1 spend with select merchants (Starbucks, Unity, SISTIC & more), up to 620mi/mo
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges

Best for High Spenders: UOB PRVI Miles American Express Card

Consider this if you want to maximise mile rewards without paying an extravagant annual fee

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Earn up to 3 miles per S$1 spend on Grab (up to 320mi/mo)
  • Receive up to 12,000 welcome miles w/ S$4,000 spend in first 2 months
  • Enjoy S$5 off Grab when you activate Auto Top-Up w/ UOB Card (min. S$20)

UOB PRVI Miles American Express Card is the best air miles card for above-average spenders because of its top rewards rates and potential to avoid paying a fee. Cardholders earn 1.4 miles per S$1 spend, 2.4 miles overseas, and 10 miles with major airlines and hotels, and those with S$50,000 annual spend are exempt from the S$256.8 annual fee. In addition, spend at this level earns 20,000 bonus miles, worth S$200. While travel perks are somewhat limited–primarily free airport transfers and travel insurance–new cardmembers receive S$100 worth of free Grab rides, and existing cardmembers receive S$30 worth, which make this a great card for frequent riders. Ultimately, UOB PRVI Miles Card stands out for allowing cardholders to rapidly accrue miles without paying a fee.

Read Our Full Review

  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
  • Annual fee: S$256.8, 1-year waiver, subsequently with S$50,000 annual spend
  • 20,000 bonus annual renewal miles (worth S$200) with S$50,000 annual spend
  • 1.4 miles per S$1 local spend, 2.4 miles overseas, 10 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials

Best for Low Spenders: Maybank Family & Friends Card

Consider this if you spend a lot of time in both Singapore and Malaysia

Annual Income Requirement S$30,000
Foreigner Income Requirement S$60,000
Promotions:
  • Receive S$100 rebate w/ S$800 spend (req. 2 card applications + Creditable acct)

Maybank Family & Friends Card is one of the best options for consumers seeking cashback on Grab–especially for very frequent riders. Consumers can earn up to 8% cashback on spend in both Singapore and Malaysia after S$1,000 minimum spend (or 5% with S$500). Spend categories are limited (as are eligible merchants), but include groceries, petrol, fast food, health & wellness, leisure, and transport–including bus, train, taxi and Grab rides.

It’s worth pointing out that earnings are capped at S$50/month, but there aren’t category-specific restrictions. If you meet the S$1,000 minimum, you can continue earning 8% on Grab rides beyond the caps offered by most competitors (S$25, S$30). In addition, cardholders can earn a fee waiver with just S$12,000 annual spend–or S$1,000/month–allowing you to maximise cashback on Grab while also avoiding a fee. Ultimately, few cards offer a Grab rate and potential cap this high–let alone offer a fee waiver–which is why Maybank F&F Card is one of the best Grab cards on the market.

Read Our Full Review

  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • 8% rebate on groceries, transport, fast food, health & wellness with select merchants in Singapore & Malaysia, after S$1,000 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)
  • Annual fee: S$180.0, 3-year waiver, subsequently with S$12,000 annual spend
  • 8% rebate on groceries, transport, fast food, health & wellness with select merchants in Singapore & Malaysia, after S$1,000 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
  • Fuel savings up to 20.88% with select petrol merchants (inc. 8% rebate)

Best Credit Card for Grab Rides for Young Adults

Grab is a great way to get around for young adults, so we’ve detailed a few cards that reward spend on rides–and also provide great value in terms of rebates and social privileges.

Best Cashback Card for Young Social Spenders: UOB YOLO Card

Consider this if you are a young adult looking for discounts and perks on dining, entertainment and travel spending

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive up to S$100 cashback with S$1,000 spend in 1st month
  • Enjoy S$5 off Grab when you activate Auto Top-Up w/ UOB Card (min. S$20)

If you want rewards for social and online spend–including on Grab rides–consider UOB YOLO Card, which offers the one of the highest total earning potentials for Grab on the market. Cardholders earn up to 8% cashback on weekend dining, entertainment, online spend and Grab rides (3% on weekdays) after just S$600 minimum spend. Earnings are capped at S$60/month, but are not category-specific, so consumers can keep earning on Grab rides until the total cap is reached.

UOB YOLO Card also stands out for its many youth-oriented promotions and events, including 1-for-1 dining deals, freebies at nightclubs, cinema discounts and more. Essentially, you can take Grab to a restaurant, then spend the night at a club, and finally ride home, earning rewards every step of the way. Because you can easily earn high rates on your social adventures, UOB YOLO Card is a great card for young adults seeking Grab benefits.

Read Our Full Review

  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, online travel & fashion (3% weekdays)
  • Free travel insurance
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, online travel & fashion (3% weekdays)
  • Free travel insurance

Best No-Fee Rebate Card for Social & Online Spend: OCBC Frank Card

Consider this if you frequently spend money shopping for luxury goods and entertainment

Annual Income Requirement S$30,000
Foreigner Income Requirement S$45,000
Promotions:
  • Earn S$50 rebate w/ card approval
  • Receive 1 free night stay at M Social Singapore after S$400 min. spend

OCBC Frank Card is the most accessible young adult card with Grab rebates, as cardholders begin earning cashback after just S$400 minimum offline spend. Consumers are rewarded with 5% rebate for weekend entertainment and spend at select cafes (3% on weekdays) and 3% on NETS FlashPay Auto Top-Ups. Even more, cardholders earn 6% for online shopping–including for booking Grab rides. Total earnings are capped at S$60/month, and the S$80.0 fee is waived with S$10,000 annual spend (which is not offered by competitors). Overall, OCBC Frank Card is great because young adults can access high earning rates with a fairly low minimum spend and earn substantial cashback on Grab.

Read Our Full Review

  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
  • 3% rebate on first 2 NETS FlashPay Auto Top-Ups
  • Up to 16% fuel savings with Caltex, 14% with Esso
  • Annual fee: S$80.0, 2-year waiver, subsequently with S$10,000 annual spend
  • 6% rebate on online spend
  • 5% weekend rebate on local entertainment & select cafes (3% weekdays)
  • 3% rebate on first 2 NETS FlashPay Auto Top-Ups
  • Up to 16% fuel savings with Caltex, 14% with Esso

Best Cashback Card for Grab & Groceries: UOB Delight Card

UOB Delight Card
UOB Delight Card

Consider this if you want maximum savings on groceries

Annual Income Requirement S$30,000
Foreigner Income Requirement S$40,000
Promotions:
  • Receive up to S$100 cashback with S$1,000 spend in 1st month
  • Enjoy S$5 off Grab when you activate Auto Top-Up w/ UOB Card (min. S$20)

UOB Delight Card is a great match if you spend a big part of your budget on groceries and don’t mind shopping with specific merchants. Cardholders earn 8% rebate at Cold Storage, Market Place, Jasons, GIant and Guardian, plus 10% discounts on house brands at these locations. Consumers also earn 3% rebate on recurring bills and contactless transactions, and have access to UOB SMART$ Programme which offers deals with over 400 merchants. There’s a S$800 minimum requirement to access this grocery rate, but cardholders can earn at 3% after just S$400 minimum spend, allowing for some flexibility. Finally, UOB Delight Card has a low fee of just S$85.6, making it especially affordable to the average shopper.

Read Our Full Review

  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian with S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell
  • Annual fee: S$85.6, 1-year waiver
  • 8% rebate at Cold Storage, Market Place, Jasons, Giant & Guardian with S$800 min (3% with S$400 min)
  • Up to 10% discount on house brands at Cold Storage, Giant & Guardian stores
  • 3% rebate on contactless transactions & select recurring bills
  • UOB SMART$ Rebate Programme
  • Up to 20% fuel savings with SPC, 13.6% with Shell

Summary of Best Credit Cards for Grab Rides 2019

Below, we've prepared a summary of our picks for the best credit cards for Grab rides for 2019.

CardBest for...Annual Fee
UOB OneGrab & Flat RateS$192.6
OCBC 365Grab, No-Fee & EverydayS$192.6 (waiver)
Maybank Horizon VisaGrab, No-Fee & MilesS$180.0 (waiver)
Maybank F&FGrab, No-Fee & MalaysiaS$180.0 (waiver)
UOB PRVI MilesGrab & Rapid MilesS$256.8 (waiver)
Amex SIA KrisFlyerGrab & Bonus MilesS$176.55
UOB YOLOGrab & Young AdultsS$192.6
OCBC FrankGrab & Young AdultsS$80.0 (waiver)
CardBest for...Annual Fee
UOB OneGrab & Flat RateS$192.6
OCBC 365Grab, No-Fee & EverydayS$192.6 (waiver)
Maybank Horizon VisaGrab, No-Fee & MilesS$180.0 (waiver)
Maybank F&FGrab, No-Fee & MalaysiaS$180.0 (waiver)
UOB PRVI MilesGrab & Rapid MilesS$256.8 (waiver)
Amex SIA KrisFlyerGrab & Bonus MilesS$176.55
UOB YOLOGrab & Young AdultsS$192.6
OCBC FrankGrab & Young AdultsS$80.0 (waiver)

Compare the Best Grab Credit Cards by Dollar Value

To help you find the best credit card for Grab rides, we have prepared a chart below organizing credit cards by 2-year dollar value. We have estimated an average Singaporean's monthly expenditure patterns through research to model out likely savings from credit cards. You should note that the dollar value can heavily depending on your spending habits, so make sure to read through each card's review and see if it fits your monthly budget.

A graph displaying how best credit cards for Grab rides compare to one another in terms of their rewards
Best Credit Cards for Grab Rides By Estimated 2-Year Dollar Value

Footnotes

*ValueChampion calculates the dollar value of rewards based on S$2,000 of monthly spending. We sum the value of points, miles and cashback in dollar terms and subtract the annual fee over a 24-month period. The estimates here are ValueChampion's alone, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Carrie Arndt

Carrie is a Senior Analyst at ValueChampion, specialising in credit cards in Singapore. She previously led consumer studies worldwide as a Senior Research Executive at MMR Research.

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