Compare the Best Grab Credit Cards in Singapore 2021

Looking for the best Grab credit cards in Singapore? Compare and find your ideal card with MoneySmart’s easy-to-use credit card comparison tool. Read More
We found 1 Grab Credit Card for you!
Grab logo
Simple and Instant Application
Annual Principal Fee
None
Singaporean/PR Minimum Income
No Minimum Income Required
Samsung Pay
Available
Read More

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GrabPay Card

What is GrabPay Card?

GrabPay Card is neither a credit card nor debit card. Instead, GrabPay Card is a prepaid Mastercard. That means, you will have to first top up your GrabPay wallet before you will be able to spend on your GrabPay Card.

What can I use my GrabPay Card for?

You will be able to use your GrabPay Card at all your usual restaurants, online shops, supermarkets overseas or in Singapore – basically anywhere that accepts Mastercard.

Key Features of GrabPay Card

#1

Accessibility

Use your GrabPay Card at all online and offline stores that accept Mastercard. Also, enjoy GrabPay promos and deals.

#2

GrabRewards Points

When you spend on your GrabPay Card, you will be able to collect GrabRewards Points – up to 6 points per $1 spent.

#3

Track Spending

You'll be able to automate your GrabPay wallet top up and track your spending on your GrabPay account.

GrabPay vs Credit Cards

BenefitGrabPay CardCredit Cards
Reward PointsIncreases with your Grab membership status – 3 points for normal and Silver, 4.5 points for Gold, 6 points for PlatinumUsually fixed with conditions such as 5 points per dollar spent at dining establishments or 10X, with a cap of 20,000 points per year etc.
PromotionsOn top of the Grab membership rewards tier, there are GrabPay and Mastercard promos and deals that you can keep track of to enjoy more savings.Similarly, usual credit cards come with seasonal promotions and privileges that you will get to enjoy – such as 1-for-1 deals, vouchers, or additional discounts
BillingPrepaid – meaning you will need to first top up your GrabPay wallet with sufficient value before you can spend on your GrabPay CardCredit – meaning you will be able to spend up to a stated maximum amount (e.g. S$5,000) per month and pay it off afterwards at the end of the month
Where To UseYou will be able to use your Grab card at all shops that accept MastercardSimilarly, depending if your credit card is associated with Visa, Mastercard, AMEX, or UnionPay etc., you will be able to use your card at merchants that accept these cards
FeesNo annual fees. However, you'll be charged a S$10 fee if you request for a physical GrabPay card to be delivered to you, a S$10 replacement fee, overseas ATM, foreign currency fees.Most credit cards will charge you an annual fee (which you should call in to waive), replacement, overseas ATM, foreign currency, late payment fees.
PayWaveThe GrabPay Tap & Pay function is still under testing for select android users – after which you will be able to enable the function via your GrabPay Card appMost (of the new) credit cards will automatically come with the PayWave function

Summary of GrabPay Card Fees

FEESCOST
Application FeeS$0
Physical Card FeeS$10 or 5,000 GrabRewards points (refundable deposit)
Card Replacement FeeS$10 (waived for fraud cases)
Card Renewal FeeS$0
Overseas ATM Withdrawal FeeS$5
Foreign Currency Transaction Fee2%
Cross Border Processing Fee1% (for overseas transactions charged in SGD)

GrabPay Card Benefits

#1 Security

Your GrabPay Card number and details will not be printed on the physcial card. Instead, only you will be able to see your card details in your Grab app

#2 Mobile Phone Protection

If you pay your monthly phone bills with your GrabPay Card, you will get to enjoy free Mobile Phone Protection coverage

#3 Real-Time Budgeting

Set a spending budget and strictly top up that amount to your GrabPay Card. Then, receive real-time notifications on your expenditure and balance

Grab Pay Rewards System

You'll be able to earn GrabRewards points based on your current GrabRewards tier –  3 points per S$1 spent for normal or Silver members, 4.5 points per S$1 for Gold members, and 6 points per S$1 for Platinum members. You can then track and redeem your points with ease within the Grab app.

Grab Pay Card Exchange Rate

If you're travelling abroad and using your GrabPay Card overseas or if you're shopping online on an overseas website, do note that you will be charged 3 things – the actual amount you spent, a 2% foreign currency conversion fee, and a 1% processing fee. You'll be able to view the currency conversion rate after you've made the transaction

Apply for Physical and Digital Grab Pay Card

Digital GrabPay Card

To register for a digital GrabPay Card, you will need to first have a Grab account. Then, access the Grab app to apply for the digital GrabPay card.

Physical GrabPay Card

If you've successfully applied for your digital card you will then be able to request for a physcial GrabPay Card. However, you may be put on waiting list for Grab is still rolling out its physical GrabPay Card in batches.

How to apply for a GrabPay Card?

Step 1

If you're not a Grab user yet, download the Grab ride-hailing app on your iOS or Android mobile device. Then, sign up and register for a Grab account.

Step 2

If you're already a Grab user, open your Grab app, click on "Payment" from the bottom menu. Then, go to your GrabPay wallet and select "Get your GrabPay Card now".

Step 3

Follow the instructions on the app to complete your digital GrabPay Card application. Afterwards, do remember to top up your Grab wallet to start using the GrabPay Card.

Step 4

Now that you've activated your digital GrabPay Card, you can then request for a physical GrabPay Card via your Grab app You will have to pay a S$10 or 5,000 GrabRewards points as deposit.

Step 5

You will then have to verify your mailing address, and you will receive your physical GrabPay card between 7 and 10 working days.

Step 6

If you can't seem to find the option to "Request Physical Card" in your Grab app, fret not. The physical GrabPay Card function is still in the midst of launch and not everyone has access to this option just yet.

Grab Pay Top Up

How to top up your GrabPay wallet so you can use your GrabPay card? You can top up your GrabPay wallet via a transfer from your bank account, via your Visa credit card (at S$1 per transaction, free for S$400 and up), Visa debit card (free), Mastercard or American Express cards (free).

Frequently Asked Questions

Does GrabPay Card have fees?

There are 7 types of fees associated with GrabPay Card, but you should be aware of 5 of them – namely the Physical Card Fee (S$10 or 5,000 GrabRewards points - refundable deposit), Card Replacement Fee (S$10, waived for fraud cases), Overseas ATM Withdrawal Fee (S$5), Foreign Currency Transaction Fee (2%), and Cross Border Processing Fee (1% for overseas transactions charged in SGD).

Can GrabPay card earn points?

Yes, you can earn GrabRewards points when paying with GrabPay Card. However, the number of points you receive per S$1 transaction is dependent on your GrabRewards tier – 3 points per S$1 spent for normal or Silver members, 4.5 points per S$1 for Gold members, and 6 points per S$1 for Platinum members.

How to check my GrabPay Card application status?

If you've applied for your digital GrabPay Card but are waiting for your application to be approved, you can check your application's status on your Grab app. Open your Grab mobile app, click on the "GrabPay" page, and you will be able to see your application status there.

How do I activate my GrabPay card?

After you have received the notification that your digital GrabPay Card has been approved, you will need to activate the card before you can use it. To activate your card for use, go to the "GrabPay" section on your Grab app. You will need to key in your Grab PIN number to activate the card.

How to use digital GrabPay Card?

Once your digital GrabPay Card application has been approved, you will immediately be able to see the digital card on your Grab app. Open you Grab mobile app, select "GrabPay Wallet". Then, click on "GrabPay Card" and you will be able to see and access your digital GrabPay card.

How to activate GrabPay Card?

Now that you have received your physical GrabPay Card, you will need to activate it before use. Open you Grab mobile app, click on the "Payment" tab, followed by "View GrabPay Card details". Once you're in the GrabPay Card section, you'll see the option to "Activate Physical Card". A QR scanner will pop up. Scan the QR code on your GrabPay Card's packaging. Once that's done, your card activation is completed.

What is Grab's Hotline?

If you have a GrabPay Card issue or question and are looking for a Grab customer service hotline to call, you will need to do so through the Grab app between 8am to 12 midnight. To contact a GrabPay customer service officer, open the Grab app, click on "Account". Scroll all the way down, click on "Help Centre", then scroll down again, click on "GrabPay Card". Then, scroll down again and click on "Call Us". If your GrabPay digital card has been compromised, call (+65) 6902 1036 (24-hour).

What is a physical GrabPay card deposit?

If you have requested for a physical GrabPay Card, you will need to first pay either S$10 or 5,000 Grab Rewards points as deposit. You will, however, be refunded this deposit if you spend S$1,000 within 180 days (from the day you activate your card, doesn't include Grab Taxi, Food, Express, QR, or transfer payments). Why charge this deposit? According to Grab, this is to help Grab alleviate the implementation and delivery costs that comes with the physical card.