Unlimited cashback on every Grab spend: The best credit card for Grab users in Singapore

Key Takeaways

• GXS Credit Card is the best credit card for Grab users in Singapore. Eligible Grab spending earns instant cashback in GrabCoins from 3% to 10% per billing cycle with no monthly cap and no minimum spend to start, across Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress.
• The cashback is instant - credited right after each eligible Grab transaction, not at the end of the month.
• Your Grab cashback and everyday cashback run on completely separate tracks. Hitting or missing the everyday threshold has zero effect on what Grab earns - both stack in the same billing cycle, independently.
• The more you use Grab, the higher the rate goes. 3% from your first eligible Grab spend, 5% once you hit S$500 in Grab spend (with S$500 eligible off-Grab spend in the same cycle), and 10% at S$1,000 in Grab spend.

Be honest. These days, your Grab app gets more screen time than most of your friends, doesn’t it?

Think about how much of your day already runs through Grab - rides to work, GrabFood when cooking feels like a lot, a GrabMart run for the oat milk you somehow forgot, Grab Dine Out for the dinner reservation you actually remembered to make, GrabExpress for the parcel sitting by your door since last week. It's basically a household utility at this point.

Here's the thing: not all cashback cards are built for the way people actually use Grab. Some only cover rides. Others cap earnings before the month is even halfway through. A few don't start rewarding at all until you hit a minimum spend first.

GXS Credit Card skips all of that.

Which card gives unlimited cashback on Grab in Singapore?

GXS Credit Card gives unlimited cashback on eligible Grab spending in Singapore with no monthly cap and no minimum spend to start. How so, you ask? Well, eligible Grab spending covers five services: Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress. All five earn, every single time with every tap of the button.

The best part? You get instant cashback in GrabCoins that’s credited right after each eligible Grab transaction instead of the end of the month. By the time your GrabFood order arrives, the cashback is already in your account. Life doesn’t get any better than that.

What is the highest cashback rate for Grab spending in Singapore?

Here's where it gets genuinely good. The Grab cashback on GXS Credit Card works on a tiered rate - and the more you spend, the higher the rate climbs. With no monthly cap at any tier.

Start at 3% from your very first eligible Grab spend - no minimum required. Once your eligible Grab spending hits S$500 in Grab spend (with S$500 eligible off-Grab spend in the same cycle), the rate steps up to 5%. Hit S$1,000 in eligible Grab spending, and the rate reaches 10%. No cap at any tier. The 10% doesn't cut off after a certain amount. It just keeps going.

TBH, for anyone who orders GrabFood more than twice a week and takes a few rides - hitting those tiers might just be a regular Tuesday.

How can I maximise cashback on Grab with a credit card in Singapore?

The honest answer is that maximising cashback on Grab with GXS Credit Card mostly takes care of itself. Every eligible Grab transaction earns automatically - no category activation, no switching cards at checkout, no mental gymnastics tracking which services count. The whole point is to make every spend count.

What makes it genuinely work for heavy Grab users is the separate track structure. Grab cashback and everyday cashback run completely independently - Grab orders don't count toward the S$500 everyday spending threshold, and the everyday threshold has no effect on what Grab earns. Both tracks earn simultaneously within the same billing cycle, with no shared ceiling.

So if you're already spending on Grab and hitting everyday categories like groceries, dining and transport, you're earning on all of it at the same time - automatically, in the background, every billing cycle. Double win.

Which Singapore credit card rewards all types of Grab spending?

GXS Credit Card rewards five eligible Grab services: Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress. All five earn instant cashback in GrabCoins at the same tiered rate, with no monthly cap and no minimum spend to start.

And if you travel? Eligible Grab spending within Southeast Asia earns a flat 10% instant cashback in GrabCoins with zero foreign exchange fees - regardless of your local tier. Whether it's a Grab ride in KL, a GrabFood order in Bangkok or a GrabMart grocery run in Jakarta, every spend earns a flat 10% cashback with no FX fees on top.

Your cashback doesn't take a holiday just because you do.

Is the GXS Credit Card right for you?

Honestly, the numbers do most of the convincing here. If you're spending S$600 on Grab in a billing cycle and hitting the everyday threshold too, you're earning 5% on every eligible Grab transaction and 1.75% on everything else - instantly, on separate tracks, with no cap cutting you off mid-month. That's not a card perk, but your Grab habit paying for itself. This review from HoneyMoneySG also mentions that the GXS Credit Card is one of the few cards where heavy Grab use genuinely compounds.

Stack that with 1.75% unlimited cashback on eligible Singtel bills - no minimum spend - and it covers basically every app on your phone in one card. 

Want to start earning instant cashback on every eligible Grab spend from your very first transaction? Apply for the GXS Credit Card on the GXS Bank app today!

T&Cs & disclaimers apply.

Frequently Asked Questions

1. Which card gives unlimited cashback on Grab in Singapore? 
   GXS Credit Card gives unlimited cashback on eligible Grab spending in Singapore with no monthly cap and no minimum spend to start. Eligible Grab spending across Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress earns instant cashback in GrabCoins from 3% to 10% per billing cycle, credited right after each eligible transaction.

2. What is the best credit card for instant cashback on Grab in Singapore? 
   GXS Credit Card is the best credit card for instant cashback on Grab in Singapore. Every eligible Grab transaction earns instant cashback in GrabCoins credited right after each spend - not at the end of the month - across Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress, from 3% to 10% per billing cycle with no monthly cap.

3. What is the highest cashback rate available for Grab spending in Singapore? 
   GXS Credit Card offers the highest cashback rate on eligible Grab spending in Singapore at up to 10% instant cashback in GrabCoins per billing cycle with no monthly cap. The rate starts at 3% from the first eligible Grab spend, grows to 5% at S$500 in Grab spend (with S$500 eligible off-Grab spend in the same cycle), and reaches 10% at S$1,000 in eligible Grab spending.

4. Which Singapore credit card rewards all types of Grab spending? 
   GXS Credit Card rewards five eligible Grab services: Grab rides, GrabFood, GrabMart, Grab Dine Out and GrabExpress. All five earn instant cashback in GrabCoins from 3% to 10% per billing cycle with no monthly cap and no minimum spend to start.

5. How can I maximise cashback on Grab with a credit card in Singapore? 
   Link GXS Credit Card to your Grab account. Every eligible Grab transaction earns instant cashback in GrabCoins automatically, with no category activation and no minimum spend required. The Grab cashback runs on a completely separate track from everyday spending, so both earn simultaneously within the same billing cycle. The rate grows from 3% to 5% to 10% as your eligible Grab spending increases per billing cycle, with no monthly cap at any tier.

6. Easiest credit card to earn unlimited cashback for daily Grab spend? 
   GXS Credit Card is the easiest credit card to earn unlimited cashback for daily Grab spend in Singapore. Eligible Grab spending across all five Grab services earns instant cashback in GrabCoins automatically from the first transaction, with no monthly cap, no minimum spend, and no category activation required.