Grow your money with GXS Credit Card.
Scan this QR code with your mobile phone camera to download the GXS Bank app now.
Everything counts.
The highest unlimited cashback credit card for daily spending.
We’ve revolutionised saving and borrowing. Now, we’re rewriting the rules on how you spend. Get ready for a credit card experience that’s built for you.
Because this is a beta launch, we would love your feedback as we continue to improve the experience.
Spot something odd? Let us know at feedback@gxs.com.sg.
Every
GrabFood order
grocery run
bus ride
Singtel bill
Grab ride
date night
retail therapy
movie night
fitness membership
counts for cashback.
The card that rewards
every spend, every day.
Unlimited cashback on local spends. Low minimum spend of S$500 required.
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in GrabCoins
Unlimited instant cashback in GrabCoins on Grab spends.
Unlimited cashback on Singtel bills. No minimum spend.
On all your Grab spend.
No minimum spend required. No caps.
Frequent Grab user? Earn more with every spend.
Monthly Grab spend
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off-Grab
off-Grab
*Cashback is awarded in the form of GrabCoins, which are part of Grab’s loyalty program and not a digital payment token, e-money, or legal tender. GrabCoins have no cash value, are non-refundable, and cannot be exchanged for currency or transferred for value. Excludes Grab Wallet Top-up and Paylater.
Cashback Calculator
A card that's built to power your travels.
Spend overseas like you're at home. Keep more of your money where it belongs — in your wallet.
Zero FX fees
No foreign exchange fees on overseas spend. Unlimited transactions.
10% cashback on overseas Grab spends
Earn 10% cashback in GrabCoins on all Grab rides, GrabFood orders or any Grab spends overseas with no minimum spend required.
Cashback that keeps stacking up.
No caps to the cashback you earn, so you're earning more everyday. Stack offers on the Grab app to earn even more GrabCoins.
Gain access to a flexible credit limit for everything you need.
Gain access to a flexible credit limit for everything you need.
Your card is backed by a flexibile credit limit you control. Use it for your credit card spends, or to get fast cash with GXS FlexiLoan.
Flexible credit limit
Total limit
S$15,000
GXS Credit Card spend
S$5,000
GXS Credit Card spend
S$5,000
GXS Credit Card spend
S$5,000
Gain access to a flexible credit limit for everything you need.
Your card is backed by a flexibile credit limit you control. Use it for your credit card spends, or to get fast cash with GXS FlexiLoan.
Flexible credit limit
Total limit
S$15,000
GXS Credit Card spend
S$5,000
GXS Credit Card spend
S$5,000
GXS Credit Card spend
S$5,000
Rewards for you.
Eligibility and fees
S$100 Late Fee will only apply if the minimum payment is not met.
READY?
Get started with a GXS Savings Account on the GXS Bank app today.
Got questions?
We got answers.
Visit our Help Centre for GXS Credit Card FAQs or chat with us on the GXS Bank app.
We’re online all day, every day.
What is a GXS Credit Card?
GXS Credit Card offers the highest unlimited cashback credit card rate for everyday spending at 1.75% base cashback on eligible non-Grab spending with no monthly cap with a S$500 minimum spending per billing cycle, up to 10% unlimited instant cashback in GrabCoins on eligible Grab spending, plus 1.75% unlimited cashback on all Singtel bills, all with no monthly cap. With no earning ceiling on all eligible spend, it is designed to deliver the highest unlimited cashback on every eligible spend in Singapore.
Save more when you travel with zero FX fees! You will pay absolutely nothing in foreign transaction fees, administrative markups, or currency fees when shopping abroad.
Stay in control with your finances by managing your card and your rewards, all within the GXS Bank app. You can track real-time purchases, see your rewards progress, and temporarily freeze your card if it is misplaced.
Is there a minimum spend or monthly cap on GXS Credit Card cashback?
There is no monthly earning cap on the cashback you can earn or GrabCoins rewards. You need a low minimum spend of S$500 per month on eligible non-Grab spending to earn the base cashback of 1.75%, apart from Singtel bills where there is no minimum spend is required. For Grab spending, you start earning 3% cashback in GrabCoins from your very first transaction with no minimum spend required.
What do I earn on my everyday spending with GXS Credit Card?
With GXS Credit Card, you earn unlimited cashback across most categories on every eligible spend, making it one of the easiest credit cards to earn cashback in Singapore.
For eligible everyday spending including groceries, dining, transport, shopping, online purchases, digital subscriptions and phone bills, you earn 1.75% base cashback with no monthly cap with a low minimum spend of S$500 per billing cycle.
For eligible Grab transactions including Grab rides, GrabFood, GrabMart, Grab DineOut and Grab Express, you earn unlimited instant cashback in GrabCoins of up to 10% with no monthly cap.
On Singtel spending, you earn 1.75% unlimited cashback with no minimum spend and no monthly cap.
How is my rewards/cashback calculated?
For eligible Grab transactions (such as Grab Food, Transport, Mart, and Express in Singapore), you earn rewards in the form of GrabCoins. The earn rate is tiered based on your total spend in a monthly billing cycle:
Base Tier (3% back in GrabCoins): Awarded on your eligible Grab transactions without any minimum spend requirements. You will fall into this tier regardless of your Grab spend if you do not hit the S$500 minimum on off-Grab spends.
Mid Tier (5% back in GrabCoins): Awarded when you spend between S$500 and S$999 on eligible Grab transactions AND have at least S$500 in eligible off-Grab spend charged in a billing cycle.
High Tier (10% back in GrabCoins): Awarded when you spend S$1,000 or more on eligible Grab transactions AND have at least S$500 in eligible off-Grab spend charged in a billing cycle.
Overseas Grab Spend: A flat 10% back in GrabCoins is awarded for all eligible Grab transactions made outside Singapore, regardless of your current spending tier. The final reward is calculated based on the transaction value converted into GrabCoins at Grab's prevailing rate.
Note: Wallet top-ups (including GrabPay) and instalment payment plans are excluded from earning rewards.
For general local spends (off-Grab), you earn a 1.75% Base Cashback on all eligible transactions. There is a minimum spend requirement of S$500 in eligible off-Grab transactions during your monthly billing cycle to qualify. For Eligible Singtel Transactions, you earn a 1.75% Singtel Cashback. Unlike the Base Cashback, there is no minimum spend requirement and no cap on the amount of Singtel Cashback you can earn each billing cycle.
GrabCoins are calculated based on tiered spending limits, while off-Grab cashback is calculated at 1.75% of your total eligible transactions, rounded up to the nearest cent. Additionally, Singtel Cashback is calculated at 1.75% of your total Eligible Singtel Transactions, rounded up to the nearest cent.
Scenario A: Hit S$500 in eligible off-Grab transactions:
A customer spends S$600 on eligible off-Grab transactions in a billing cycle, meeting the S$500 minimum. They earn 1.75% of S$600, resulting in S$10.50 Base Cashback credited to their account. If they also spend S$100 on Grab transactions, they fall into the Base Tier and receive a 3% reward back in GrabCoins on that S$100 spend.
Scenario B: Did not hit S$500 in eligible off-Grab transactions:
A customer spends S$400 on eligible off-Grab transactions in a billing cycle, failing to meet the S$500 minimum. They do not earn any cashback, and only qualify for the Base Tier (3% back in GrabCoins) for their eligible Grab transactions.
Scenario C: Singtel Cashback Independence: A customer spends S$100 on general eligible off-Grab transactions and S$150 on an Eligible Singtel Transaction during their billing cycle. They will not earn Base Cashback on the S$100 off-Grab spend because they failed to meet the S$500 minimum. However, they will successfully earn S$2.63 in Singtel Cashback (1.75% of S$150) because the Singtel Cashback does not require meeting any minimum spend milestone.
How do I pay my GXS Credit Card bill?
From your GXS Savings Account: Go to your FlexiCredit dashboard, tap 'Repay', input your amount, select 'GXS Savings Account', and confirm to clear balances instantly.
From an External Bank Account: Select 'Other bank' under your repayment options to see your unique card clearing account details, then complete a FAST transfer from your alternative banking app.
GXS Credit Card Rewards Terms
GXS Credit Card Beta Terms
GXS FlexiCredit Terms
Grab Ecosystem Terms
Market comparison and 1.75% rate are accurate as of 6 August 2026 and subject to change without prior notice. Comparison based on publicly available unlimited cashback credit cards in Singapore.
By applying for the GXS Credit Card, you confirm that you are between 21 and 65 years old (inclusive) and you consent to GXS Bank reporting to, or conducting checks with, Credit Bureau (Singapore) Pte Ltd for the purposes of your card application. At the moment, each applicant can only be eligible for a GXS Credit Card or GXS FlexiCard.
Approval of all GXS Credit Card applications is subject to receipt of all supporting documents and further review. GXS Bank reserves the right to approve or reject your application without providing any reasons. Late fees apply in the event of late repayment. Your GXS Credit Card account is subject to review from time to time, and may be cancelled by GXS Bank at its discretion.
Click here for the FlexiCredit Terms and click here for the Rewards Terms that apply to the GXS Credit Card. GXS Bank is a separate entity and is not associated with the businesses of Grab Holdings, Singtel and their entities. The GXS Credit Card is provided by GXS Bank. GXS Bank holds a banking licence and is regulated by the Monetary Authority of Singapore.
