Quick answer: If you take Grab often, a card that rewards transport spend can quietly put dollars or miles back in your pocket. The UOB One Card leads with up to 10% cashback on Grab if you meet the monthly spend tiers, while the Citi Rewards Card hands out 4 miles per dollar with no cap on base points. For a no-fuss, fee-free miles play, the HSBC Revolution Card is a solid bet.
You tap Grab a few times a week and want every ride to work harder. The decision splits into two clear tracks: cashback cards that trim your bill, or miles cards that fuel the next trip. Your task is to match the earn rate, caps and quarterly rhythms to the way you actually ride—weekday commuter, weekend socialite, or overseas user.
This sits inside Best Credit Cards in Singapore, alongside 32 related guides.
UOB One Card
The UOB One Card gives you an additional 5% cashback on Grab rides on top of its regular tiered rebates, adding up to a possible 10% total rebate when you hit the quarterly spend thresholds. It is one of those cards where you get back more the more you use it—Grab, dining, groceries, all counted.
Rebates are paid out quarterly, so you see a lump sum every three months rather than tiny dribs and drabs. That can feel like a small bonus arriving just when you need a little pick-me-up. United Overseas Bank runs this one, and you can reach them at 1800 222 2121 or stop by the branch at 80 Raffles Place, UOB Plaza, weekdays 9:30 AM to 4:30 PM.
This card suits the person who already puts a fair bit on plastic each month—think S$500 to S$2,000 consistently—and wants cash back they can actually use, not points that need a spreadsheet to decipher. If your Grab rides are a non-negotiable part of daily life, the math adds up fast.
This card suits the disciplined consolidator who already channels dining and groceries through one account. Your Grab rides then become a multiplier on top of a base rebate you are hitting anyway. The quarterly payout rhythm rewards patience—perfect for someone who treats personal finance like a three-month campaign.
OCBC 365 Card
The OCBC 365 Card pays 3% cashback on Grab rides, both here and when you are overseas, which is a rare detail. No need to toggle between cards when you touch down in Bangkok and book a ride to the hotel. It also comes with complimentary travel insurance up to S$500,000 for round-trip air tickets, which adds a layer of quiet reassurance.
Beyond transport, you get 5% on dining and food delivery—think Friday night dinners and lazy Sunday Deliveroo orders. OCBC Bank branches are all over the island, so use their online locator; for enquiries, call 1800 363 3333.
This is the card for someone who wants one reliable workhorse that rewards eating out, travelling, and ride-hailing without needing to track rotating bonus categories. If your life feels like a gentle blend of work meals, weekend errands, and the occasional getaway, the 365 covers your ground without much fuss.
If food is a larger slice of your spend, our Dining Credit Cards in Singapore guide might pair well with this one.
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For the traveller who values simplicity, this card keeps earning steady on Grab whether you are hailing a ride at home or on a Bangkok street. The travel insurance sits quietly in the background, removing one more thing to worry about. It is the set-and-forget choice for anyone whose Grab habit spans borders.
UOB EVOL Card
The UOB EVOL Card tilts its rewards toward weekends: up to 8% cashback on Grab rides on Saturdays and Sundays, and 3% on weekdays. If your social life ramps up from Friday evening onward and you are constantly zipping between brunch, movies, and a friend’s place, the EVOL almost feels designed around that rhythm.
It also covers online shopping and entertainment, so your Shopee haul or Netflix subscription earns something back too. The bank is the same UOB network—hotline 1800 222 2121, main branch at 80 Raffles Place—and the caps reward consistent, moderate usage rather than mega spending.
It is a natural fit for the young working adult whose bigger days out happen when the office is closed. You still get something on weekday rides, but the real shiok comes on a Saturday night Grab home when the 8% clocks in.
If your Grab demand spikes Friday evening through Sunday, this card aligns perfectly with that rhythm. Weekend rides earn at a noticeably higher rate, and the same card covers your online shopping and streaming, so you are not switching payment methods mid-weekend. It is built for the social calendar that runs on brunch plans and late-night rides home.
UOB Lady’s Card
Despite the name, the UOB Lady’s Card is open to anyone. It earns up to 10 miles per dollar on Grab rides when you pair it with the UOB Lady’s Savings Account, making it one of the fastest ways to stack KrisFlyer miles from everyday transport. The bonuses are capped, so it is more about strategic use than unlimited earning.
You can pick your preferred rewards category—transport, beauty, dining—which means you are not locked into Grab if your spending habits shift. UOB’s contact details and Raffles Place address apply here too; the miles game is where this card truly shines.
If you are already saving toward a holiday and you clock regular Grab rides, the miles can stack surprisingly quickly. It is for someone who likes the idea of turning the daily commute into a future escape—without needing to carry a separate miles card for every category. For more on building miles, have a look at our write-up on Ways To Earn Airline Miles With Credit Cards in Singapore.
This card rewards the strategic planner who pairs it with a UOB Lady’s Savings Account to unlock a steep miles earning rate. You select transport as your bonus category, and every Grab ride pushes your KrisFlyer balance closer to the next redemption. The cap means you treat it as a precision tool, not a blunt instrument.
Citi Rewards Card
The Citi Rewards Card earns 4 miles per dollar on Grab, ComfortDelGro, and Gojek rides, and there is no cap on base points. Bonuses go up to 9,000 per month, which covers a fair number of trips. It also earns on online and retail spend, so your miles keep flowing long after you step out of the car.
Working with miles rather than cashback means you need a bit of planning—transfer them to KrisFlyer or other partners and redeem for flights. Citibank’s main branch is at Asia Square Tower 1, 8 Marina View, open 9:30 AM to 3:30 PM weekdays, and you can ring 6225 5225 for questions.
This card earns its keep if you bounce between Grab and other land transport and you are building toward a redemption flight. No cap on the base earn is a big deal for heavy riders who don’t want to hit a ceiling halfway through the month.
Earning the same strong mile rate across Grab, ComfortDelGro and Gojek, this card is the multi-app rider’s ally. With no cap on base points, your daily commute just keeps stacking miles. The monthly bonus cap encourages you to plan your bulk rides within a calendar month, then let the rest tick along at base rate.
HSBC Revolution Card
The HSBC Revolution Card hands out 4 miles per dollar on online and contactless Grab transactions, capped at S$1,000 per month. It charges no annual fee, so you are not doing mental math about whether the rewards cover the cost of keeping the card in your wallet. It also throws in complimentary ENTERTAINER subscriptions for dining and leisure deals.
HSBC has branches around the island—use their locator—and you can call 1800 4722 669 for help. The monthly cap means it suits someone who takes a handful of rides and tops up on other contactless spending rather than someone whose entire life runs through Grab.
Visit HSBC Revolution Card page
If you hate paying annual fees and you want a card that quietly earns miles without you needing to remember rotating categories, the Revolution does that. The ENTERTAINER freebie is a nice bonus—one fewer subscription to think about. For a broader look at OCBC’s lineup, see our OCBC Credit Cards in Singapore guide.
A card that asks for no annual fee while still paying 4 miles per dollar on contactless Grab transactions removes the usual cost-benefit tension. The monthly cap is generous enough for regular users, and the bundled ENTERTAINER perks add a little leisure on the side. Ideal for the fee-averse rider who still wants to earn miles at a respectable clip.
AMEX Singapore Airlines KrisFlyer Ascend Card
The AMEX KrisFlyer Ascend Card earns 3.2 KrisFlyer miles per dollar on Grab rides, capped at the first S$200 spent each month. It is a smaller cap, but the miles go directly into your KrisFlyer account with no conversion needed, and the card comes with perks like lounge access and travel benefits that feel a little more atas.
American Express operates from 16 Collyer Quay, #29-00, and you can reach them at 1800 396 9666 for new applications. The focus here is less about maximising everyday Grab spend and more about layering a small, reliable monthly miles push onto a card you already hold for the travel privileges.
Visit AMEX KrisFlyer Ascend Card page
It fits someone who flies Singapore Airlines at least once or twice a year and values lounge access, annual travel credits, and the direct miles syphoning from Grab. The cap is modest, so think of it as a boost rather than the main engine. If you are considering a premium card beyond just ride rewards, our Premium Credit Cards for Young Adults in Singapore for Sophisticated Starter guide might be useful.
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How to choose
The big fork in the road is cashback versus miles. Cashback cards (UOB One, OCBC 365, UOB EVOL) put dollars back into your statement, easy to understand, no need to plan a redemption. Miles cards (Citi Rewards, HSBC Revolution, UOB Lady’s, AMEX Ascend) accumulate points you can convert to flights, which can be worth more than the equivalent cashback if you use them well—but they require a bit of patience and a KrisFlyer account.
Next, check the spend cap or tier. The UOB One Card needs a consistent monthly spend to unlock the full 10%. The HSBC Revolution caps at S$1,000 per month for the 4 miles rate. The AMEX Ascend caps at just S$200 a month on Grab. Match the numbers to your typical monthly Grab outlay—if you are swiping S$300 a month on rides, a low cap might leave a chunk unrewarded.
Think about when you ride. The UOB EVOL heavily favours weekends. If your weekdays are packed with Grab trips, a flat-rate card like Citi Rewards or OCBC 365 might return more over time.
Also consider whether you want a card that rewards both local and overseas Grab rides—the OCBC 365 is the only one here that explicitly covers overseas Grab transactions. If you travel often and use Grab in other cities, that alone could tip the scales.
Annual fees matter. The HSBC Revolution has none. Others may waive for a year or two. If you are likely to hold the card for a long time, factor that in. Ask yourself: after the first year, will the rewards still beat the fee? Some banks waive fees if you meet a spending threshold, but after the waiver period you need to do the math.
Redemption simplicity is another layer. Cashback lands in your account without you lifting a finger. Miles require you to track expiry dates and transfer points, often in blocks of 10,000. If you are not the sort who enjoys managing reward programmes, cashback may save you a headache.
For heavy users who take Grab multiple times a day, the Citi Rewards Card’s uncapped base miles is a powerful feature. Even after hitting the bonus cap, you still earn base miles on every ride, which can eventually outweigh competing cards with tight monthly caps.
If you already hold a UOB Lady’s Savings Account, the UOB Lady’s Card becomes significantly more attractive—the 10 miles per dollar rate turns every S$10 Grab ride into a mile, adding up quickly for short trips. And because you can shift the bonus category to transport, dining, or beauty each quarter, the card adapts to your lifestyle instead of the other way round.
Finally, remember that some of these cards pull double duty. The OCBC 365 and UOB EVOL reward dining and online shopping too, which can consolidate your spend onto one card and make hitting the monthly tiers easier.
| Card | Grab earn rate | Cap or condition | Type | Annual fee |
|---|---|---|---|---|
| UOB One Card | Up to 10% cashback | Quarterly spend tiers | Cashback | Check with the business |
| OCBC 365 Card | 3% cashback | No specified cap | Cashback | Check with the business |
| UOB EVOL Card | Up to 8% (weekends), 3% (weekdays) | Caps apply | Cashback | Check with the business |
| UOB Lady’s Card | Up to 10 miles per dollar | With Lady’s Savings Account; bonuses capped | Miles | Check with the business |
| Citi Rewards Card | 4 miles per dollar | No cap on base; bonus up to 9,000/month | Miles | Check with the business |
| HSBC Revolution Card | 4 miles per dollar | S$1,000 monthly cap | Miles | No annual fee |
| AMEX KrisFlyer Ascend | 3.2 KrisFlyer miles per dollar | S$200 monthly cap | Miles | Check with the business |
Summary
Cashback fans who hit monthly spend tiers will find the UOB One Card hard to beat for pure dollar returns on Grab. If miles are what you are after and you ride frequently, the Citi Rewards Card offers 4 miles per dollar without a base cap, while the HSBC Revolution Card gives the same rate with no annual fee. Pick the one whose rhythm matches your own—weekend-heavy, capped, or uncapped—and every Grab trip starts paying you back. Whether you’re after the simplicity of cash back or the allure of a free flight, there’s a card here that aligns with how you ride.
Details can change, confirm with the business.
Frequently asked questions
Miles are credited directly to KrisFlyer with no conversion step on this card, keeping things streamlined for the rider who wants exactly that. The monthly cap on Grab spend is modest, but pairing it with lounge access and travel benefits creates a package that feels more like a travel companion than a pure earnings tool. It rewards those who fly as often as they ride.
Which card gives the highest cashback on Grab?
The UOB One Card can return up to 10% total rebate on Grab when you meet the quarterly spend requirements. For simpler flat rates, OCBC 365 gives 3% and UOB EVOL gives up to 8% on weekends.
Can I earn KrisFlyer miles directly from Grab rides?
Yes, the AMEX KrisFlyer Ascend Card credits 3.2 KrisFlyer miles per dollar directly, capped at S$200 a month. Other cards let you transfer points to KrisFlyer later.
Do any cards have no annual fee and still reward Grab rides?
The HSBC Revolution Card has no annual fee and earns 4 miles per dollar on contactless Grab transactions, capped at S$1,000 per month.
Is there a card that rewards Grab rides overseas too?
The OCBC 365 Card pays 3% cashback on Grab rides whether you are in Singapore or abroad.
I mostly take Grab on weekends. Which card suits me?
The UOB EVOL Card is made for that: up to 8% cashback on weekends versus 3% on weekdays.
Do miles cards have spending caps I should know about?
Yes. The Citi Rewards Card has no cap on base points but bonuses cap at 9,000 monthly. HSBC Revolution caps at S$1,000 monthly. UOB Lady’s Card bonuses are capped. AMEX Ascend caps at S$200 monthly.
