Best Credit Cards for Grab Rides 2024

American Express Singapore Airlines KrisFlyer Card is one of the best miles-earning cards for rewards on Grab rides. To begin with, 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 loyalty to Singapore Airlines, making Amex SIA KF Card especially competitive.

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.

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.

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 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.

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 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 fast food & food delivery, 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.

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 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.

OCBC Frank Card is the most accessible young adult card with Grab rebates, as cardholders begin earning cashback after just S$600 minimum offline spend. Consumers are rewarded with 6% on their FX spend & mobile contactless purchases. Even more, cardholders earn 6% for online transactions–including for booking Grab rides. Each category has an earnings limit of S$25 (S$25/FX & mobile contactless, S$25/online), 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.

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.

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.