Best Credit Cards for Grab Rides 2020

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 identified after analysing 100+ credit cards in Singapore. Not only do these cards provide great Grab-specific rewards rates, they also provide market-leading value to consumers overall.

Best Miles Credit Cards for Grab Rides
Best Cashback Credit Cards for Grab Rides
Best Credit Cards for Grab Rides with No Annual Fee
  • OCBC 365: Rebates on essentials with easy fee-waiver
  • CIMB Platinum MC: 10% rebate on medical, transport, dining & more
Best Credit Cards for Young Adults & Grab Rides
  • OCBC Frank: Up to 6% rebate online, low S$400 min. spend requirement
  • UOB YOLO: Up to 8% rebate on weekend dining, entertainment, Grab & more
  • Citi Lazada: Up to 4 miles per S$1 spend on Lazada

Compare the Best Credit Cards for Grab in Singapore by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best credit cards for Grab rides on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

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
Best Miles Cards for Grab Rides Best Cashback Cards for Grab Rides Best Cards for Grab Rides with No Fee Best Cards for Young Adults & Grab Rides

Compare Best Credit Cards for Grab by Dollar Value

Based on an average monthly spend of S$2,000, we analysed the best credit cards on the market to estimate returned value-to-consumer after 2 years, accounting for rebates and netting out annual fees. As a note, dollar value is heavily dependent on spending habits; intangible benefits (like free travel insurance and airport lounge access) are valuable but difficult to quantify.

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

Best Miles Credit Cards for Grab Rides

Some travel cards reward transport spend, including Grab rides–here are a few of the best.

American Express Singapore Airlines Krisflyer: Welcome Miles + Grab Boost

  • Up to 21k+ bonus miles w/ S$10k spend in 6mo
  • Promotions: Spend S$10k w/in 1st 6mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 mi 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 transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
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 16,000 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) and 2 miles with SingaporeAir, SilkAir, and KrisShop.


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.

  • Stand-Out: Up to 21k+ bonus miles w/ S$10k spend in 6mo
  • Promotions: Spend S$10k w/in 1st 6mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • S$150 cash credit w/ Singapore Airlines after S$12k spend
  • Read Our Full Review
  • Annual fee: S$176.55, 1-year waiver
  • 1.1 miles per S$1 local & overseas spend, 2 mi 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 transactions (up to 620 mi/mo)
  • Free travel insurance
  • Hertz Gold Plus Rewards & Amex Selects Privileges
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 16,000 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) and 2 miles with SingaporeAir, SilkAir, and KrisShop.


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.

American Express Singapore Airlines Krisflyer Ascend Card: Luxury Perks for SIA Loyalists

  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Spend S$10k w/in 1st 3mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • 1,500 KrisFlyer Miles each for 1st 2 supplementary cards
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 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
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
Like Amex SIA KF Card, American Express Singapore Airlines KrisFlyer Ascend Card offers great welcome bonuses and competitive rewards rates–including for Grab. Cardholders earn 1.2 miles/S$1 general spend, 2 miles on SIA brands and overseas in June & December, and 3.2 miles on Grab transactions. However, Amex SIA KF Ascend Card stands out by offering perks like 4 free lounge visits/year, a free annual hotel night, free travel insurance and more. Cardholders can earn membership upgrades to Hilton Honors Silver, KrisFlyer Elite Gold, and Hertz Gold Plus Rewards. Each of these memberships come with unique privileges that make travel all the more comfortable and convenient. Even with all of these perks, Amex SIA KF Ascend Card's fee is just S$337.05, which is far lower than that of other luxury miles cards.
  • Stand-Out: Access to Hilton Honors Silver & Krisflyer Elite Gold status
  • Promotions: Spend S$10k w/in 1st 3mo, receive 16k bonus miles
  • 5,000 bonus miles w/ 1st spend
  • 1,500 KrisFlyer Miles each for 1st 2 supplementary cards
  • Read Our Full Review
  • Annual fee: S$337.05
  • 1.2 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
  • 3.2 miles per S$1 spend on Grab transactions (up to 640 mi/mo)
  • 4 free lounge visits/year, free annual hotel night, travel insurance
  • Access to Hilton Honors Silver & Krisflyer Elite Gold status
Like Amex SIA KF Card, American Express Singapore Airlines KrisFlyer Ascend Card offers great welcome bonuses and competitive rewards rates–including for Grab. Cardholders earn 1.2 miles/S$1 general spend, 2 miles on SIA brands and overseas in June & December, and 3.2 miles on Grab transactions. However, Amex SIA KF Ascend Card stands out by offering perks like 4 free lounge visits/year, a free annual hotel night, free travel insurance and more. Cardholders can earn membership upgrades to Hilton Honors Silver, KrisFlyer Elite Gold, and Hertz Gold Plus Rewards. Each of these memberships come with unique privileges that make travel all the more comfortable and convenient. Even with all of these perks, Amex SIA KF Ascend Card's fee is just S$337.05, which is far lower than that of other luxury miles cards.

KrisFlyer UOB Credit Card: Best Miles Card for Young SIA Flyers

  • Boosted everyday miles w/ SIA perks & privileges
  • Promotions: S$150 cashback with S$1.5k spend in 1st month via our partnership with SGSaver
  • Receive 3,000 KF miles w/ 1st transaction (S$5 min.)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
If you're a young adult willing to commit to one airline, consider KrisFlyer UOB Card. Cardholders earn 3 miles per S$1 with SIA, SilkAir, Scoot and KrisShop and 1.2 miles per S$1 on general local and overseas spend. This general rate is boosted to 3 miles per S$1 on dining, online shopping & travel bookings and transport–including Grab rides–with just S$500 min. SIA spend per year. This minimum can typically be achieved by taking 2-3 regional trips, and is therefore quite reasonable.


In addition to its impressive rates, KrisFlyer UOB Card also offers great perks, especially for those who typically fly on a budget. Cardholders can enjoy convenient perks with Scoot airlines (SIA's low cost carrier), such as free priority check-in & boarding, baggage allowance upgrades, complimentary standard seat selection, and booking flexibility waivers. Even more, consumers receive a S$20 rebate with S$100 nett KrisShop spend, S$15 voucher for ChangiWiFi, and free Grab rides to and from Changi Airport up to S$15 in value. These perks, paired with the card's 10,000 annual bonus miles (worth about S$100), make KrisFlyer UOB Card an excellent affordable option for young travellers willing to fly exclusively with SIA.

  • Stand-Out: Boosted everyday miles w/ SIA perks & privileges
  • Promotions: S$150 cashback with S$1.5k spend in 1st month via our partnership with SGSaver
  • Receive 3,000 KF miles w/ 1st transaction (S$5 min.)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 3 mi/S$1 spend on SIA brands (SIA, SilkAir, Scoot, KrisShop)
  • 3 mi/S$1 on dining, transport, online shopping & travel bookings w/ S$500 min. SIA spend/yr
  • 1.2 mi/S$1 on general spend
  • 10,000 annual renewal miles
  • Scoot privileges, KrisShop rebate, fast-track to KF Elite Silver & more
If you're a young adult willing to commit to one airline, consider KrisFlyer UOB Card. Cardholders earn 3 miles per S$1 with SIA, SilkAir, Scoot and KrisShop and 1.2 miles per S$1 on general local and overseas spend. This general rate is boosted to 3 miles per S$1 on dining, online shopping & travel bookings and transport–including Grab rides–with just S$500 min. SIA spend per year. This minimum can typically be achieved by taking 2-3 regional trips, and is therefore quite reasonable.


In addition to its impressive rates, KrisFlyer UOB Card also offers great perks, especially for those who typically fly on a budget. Cardholders can enjoy convenient perks with Scoot airlines (SIA's low cost carrier), such as free priority check-in & boarding, baggage allowance upgrades, complimentary standard seat selection, and booking flexibility waivers. Even more, consumers receive a S$20 rebate with S$100 nett KrisShop spend, S$15 voucher for ChangiWiFi, and free Grab rides to and from Changi Airport up to S$15 in value. These perks, paired with the card's 10,000 annual bonus miles (worth about S$100), make KrisFlyer UOB Card an excellent affordable option for young travellers willing to fly exclusively with SIA.

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

  • Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • 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
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.

  • Stand-Out: Market-leading 3.2 mi/S$1 local dining & transport spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • 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
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.

UOB PRVI Miles American Express Card: Rapid Miles for High Spenders

  • Up to 20k bonus miles & fee waiver w/ S$50k annual spend
  • Promotions: Receive S$100 cash credit w/ 5 transactions in 1st mo (via our partnership w/ SGSaver)
  • Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Earn 3mi/S$1 on 1st S$5k spend online & on groceries, w/ S$2.5k min. spend
  • 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, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
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 6 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.
  • Stand-Out: Up to 20k bonus miles & fee waiver w/ S$50k annual spend
  • Promotions: Receive S$100 cash credit w/ 5 transactions in 1st mo (via our partnership w/ SGSaver)
  • Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Earn 3mi/S$1 on 1st S$5k spend online & on groceries, w/ S$2.5k min. spend
  • 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, 6 miles at major airlines & airports
  • 8 free limo transfers & free travel insurance
  • UOB PRVI Travel Butler & Amex Essentials
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 6 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.

Best Cashback Credit Cards for Grab Rides

With the right card, it's easy to earn rebates both on your Grab rides and your daily spend.

UOB One Credit Card: Top Rebates for Stable Spenders

  • Up to 5% rebate on all spend, S$300/quarter
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Bonus +1% rebate (up to 6%) on Singapore Power utilities bill
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 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
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. Spend on utilities also earns a +1% boost to 6% rebate total. Lower spenders earn just 3.33% on general spend, but still receive an extra 5% rebate on Grab transactions. 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.
  • Stand-Out: Up to 5% rebate on all spend, S$300/quarter
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Bonus +5% rebate (up to 10%) on Grab & UOB Travel Planner
  • Bonus +1% rebate (up to 6%) on Singapore Power utilities bill
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 5% rebate on general spend, up to S$300/quarter (S$2,000 min spend)
  • Up to 10% on Grab & select UOB travel, 6% on utilities bills
  • 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
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. Spend on utilities also earns a +1% boost to 6% rebate total. Lower spenders earn just 3.33% on general spend, but still receive an extra 5% rebate on Grab transactions. 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.

Maybank Family & Friends MasterCard: Best Rebates for Spend in SG & MY

  • Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
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 just S$800 minimum spend (or 5% with S$500). Spend categories include dining, groceries, petrol, data communications/online TV streaming and transport–including bus, train, taxi and Grab rides. Even better, there are no merchant restrictions, though rewards are limited to local and regional spend.


Earnings are capped at a lofty S$80/month, which can be maxed out with just S$1,000/month spend. At this spend level, cardholders are also eligible for a fee waiver, which is earned with just S$12,000 annual spend. The S$180.0 fee is actually waived for the 1st 3 years regardless of spend level. Overall, Maybank F&F Card offers one of the best ways on the market to maximise rewards for Grab spend–as well as on any essentials in Singapore and Malaysia.

  • Stand-Out: Best for rebates in SG & MY w/ S$500 min. spend
  • Promotions: Receive free American Tourister Luggage w/ S$300 monthly spend for 2mo (req. both card + Creditable applications)
  • Read Our Full Review
  • Annual fee: S$180.0, 3-year waiver then w/ S$12k annual spend
  • Up to 8% rebate on dining, groceries, transport, petrol & online TV streaming in Singapore & Malaysia, after S$800 min spend (5% rebate with S$500 min spend)
  • 0.3% rebate all other spend
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 just S$800 minimum spend (or 5% with S$500). Spend categories include dining, groceries, petrol, data communications/online TV streaming and transport–including bus, train, taxi and Grab rides. Even better, there are no merchant restrictions, though rewards are limited to local and regional spend.


Earnings are capped at a lofty S$80/month, which can be maxed out with just S$1,000/month spend. At this spend level, cardholders are also eligible for a fee waiver, which is earned with just S$12,000 annual spend. The S$180.0 fee is actually waived for the 1st 3 years regardless of spend level. Overall, Maybank F&F Card offers one of the best ways on the market to maximise rewards for Grab spend–as well as on any essentials in Singapore and Malaysia.

Best Credit Cards for Grab Rides with No Annual Fee

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.

OCBC 365 Card: No-Fee Rebates on Everyday Spend

  • Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo
  • Boost to 6% cashback on groceries & at convenience stores
  • 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
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.

  • Stand-Out: Up to 6% rebate on dining, groceries, transport & more
  • Promotions: Free S$100 cash via PayNow (new customers) via our partnership with SGSaver
  • Free S$50 cash w/ S$300 min. spend in 1st mo
  • Boost to 6% cashback on groceries & at convenience stores
  • 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
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.

CIMB Platinum MasterCard: No Fee Cashback on Dining & Transport

  • Up to 10% cashback on transport, dining, medical & more
  • Promotions: Pay for Grab w/ linked card & enjoy up to S$20 Grab Promo Codes
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard is the best no-fee card available for transport–including Grab–because it 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.

  • Stand-Out: Up to 10% cashback on transport, dining, medical & more
  • Promotions: Pay for Grab w/ linked card & enjoy up to S$20 Grab Promo Codes
  • Read Our Full Review
  • Annual fee: Free
  • 10% cashback on medical, transport, dining & overseas travel
  • 10% cashback on select electronics/furnishings vendors
  • CIMB 0% Interest i.Pay Instalment Plan
CIMB Platinum MasterCard is the best no-fee card available for transport–including Grab–because it 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.

Best Credit Cards for Young Adults & Grab Rides

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

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

  • Up to 6% rebate online after just S$400 offline spend
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • 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)
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). 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.
  • Stand-Out: Up to 6% rebate online after just S$400 offline spend
  • Promotions: Receive & use card instantly when you apply via MyInfo
  • 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)
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). 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.

UOB YOLO Card: Weekend Cashback for Young Social Spenders

  • Top weekend rebates of up to 8% for social spenders
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
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, Grab rides & select UOB Travel (3% on weekdays), plus 3% rebate on online fashion & travel bookings, 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.

  • Stand-Out: Top weekend rebates of up to 8% for social spenders
  • Promotions: Receive S$150 cash credit w/ S$1.5k spend in 1st mo (first 800 sign-ups)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • 8% cashback on weekend dining, entertainment, Grab, select UOB Travel (3% weekdays)
  • 3% online travel & fashion
  • Free travel insurance
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, Grab rides & select UOB Travel (3% on weekdays), plus 3% rebate on online fashion & travel bookings, 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.

Citi Lazada Card: Miles for Social Spenders & Lazada Loyalists

  • Miles & discounts w/ Lazada + dining, entertainment & Grab
  • Promotions: Receive S$150 Lazada Voucher w/ S$1.2k spend in 1st 3 mo
  • Receive free 1-Year LiveUp Membership (worth S$59.90)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4 miles (10pts) per S$1 spend w/ Lazada
  • Up to 2 miles (5pts) per S$1 on dining, travel, entertainment & transport
  • Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
  • Exclusive offers & discounts with Lazada
  • Free travel insurance
If you're a young adult who wants to maximise miles for online shopping as well as your social spend, consider Citi Lazada Card. Cardholders earn an impressive 4 miles (10pts) per S$1 spend with Lazada, and can also earn S$1.99 shipping rebates on purchases of S$50+ up to 4 times per month. Beyond these perks for frequent shoppers (which are further complimented by exclusive Lazada offers & discounts), consumers can also enjoy 2 miles (5pts) per S$1 spend on their local dining, entertainment, travel and even transport. Transport includes everything from taxis and limousines to private hires like Gojek and Grab, making Citi Lazada ideal for young adults who want to earn rewards just for getting around town.


It's worth mentioning that rewards are capped at 4,000 miles (10,000pts) per month, which can be maxed out with as little as S$1k shopping spend with Lazada. However, those with shopping budgets of about this much are a great match for Citi Lazada's rewards structure. And, while there's a S$192.6 annual fee, it's waived the 1st year, making it a bit more accessible for young adults.

  • Stand-Out: Miles & discounts w/ Lazada + dining, entertainment & Grab
  • Promotions: Receive S$150 Lazada Voucher w/ S$1.2k spend in 1st 3 mo
  • Receive free 1-Year LiveUp Membership (worth S$59.90)
  • Read Our Full Review
  • Annual fee: S$192.6, 1-year waiver
  • Up to 4 miles (10pts) per S$1 spend w/ Lazada
  • Up to 2 miles (5pts) per S$1 on dining, travel, entertainment & transport
  • Receive S$1.99 shipping rebate for Lazada purchases of S$50+ (up to 4x/mo)
  • Exclusive offers & discounts with Lazada
If you're a young adult who wants to maximise miles for online shopping as well as your social spend, consider Citi Lazada Card. Cardholders earn an impressive 4 miles (10pts) per S$1 spend with Lazada, and can also earn S$1.99 shipping rebates on purchases of S$50+ up to 4 times per month. Beyond these perks for frequent shoppers (which are further complimented by exclusive Lazada offers & discounts), consumers can also enjoy 2 miles (5pts) per S$1 spend on their local dining, entertainment, travel and even transport. Transport includes everything from taxis and limousines to private hires like Gojek and Grab, making Citi Lazada ideal for young adults who want to earn rewards just for getting around town.


It's worth mentioning that rewards are capped at 4,000 miles (10,000pts) per month, which can be maxed out with as little as S$1k shopping spend with Lazada. However, those with shopping budgets of about this much are a great match for Citi Lazada's rewards structure. And, while there's a S$192.6 annual fee, it's waived the 1st year, making it a bit more accessible for young adults.

Learn More About How to Find the Best Credit Card for You

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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