GrabPay Card Review 2025 [Cards & Rewards Program Review]

GrabPay cards are a great way to shop, travel, and pay bills without worrying about the hassle of carrying cash or writing checks. With GrabPay prepaid cards, you can save money on shopping and travel expenses with prepaid card discounts and rewards.

We recently checked out the latest version from GrabPay – their prepaid Mastercard to see how it stacked up to the competition. In this GrabPay Card review, we’ll go over all the features of this prepaid card and how it can help you take control of your finances.

About GrabPay

Grab is changing the method by which individuals make ordinary transactions. The company was established in Malaysia in 2012, and its current headquarters are located in Kuala Lumpur.

Since its inception, the business has expanded to four other countries, including Indonesia, the Philippines, Vietnam, and Malaysia. GrabPay gives users the option to purchase either a physical or digital Mastercard prepaid card, both of which are accepted at thousands of locations across the world.

Grab's app, which has already been downloaded more than two million times, aims to encourage the transition away from cash-based societies.

In addition to the wallet service that it provides, Grab enables you to utilize all of Grab's other services, such as GrabFood, GrabTaxi/GrabCar, GrabBike, and GrabAssist. These services combine to offer the simplest payment experience currently available!

Highlight Of GrabPay Card

In the GrabPay card review, we looked at the features that make GrabPay's prepaid card particularly appealing. Here are some of the key features:

Cashless Service:

GrabPay Card makes it easier than ever to access cashless services, allowing you to pay for goods and services without having to bring physical money or cards.

High Rewards:

Whenever you use your GrabPay Card for purchases and payments, you can look forward to high rewards which will make future transactions even more convenient and rewarding.

Easy To Use:

The GrabPay Card is as easy to use as it is secure; simply tap your card on a compatible reader to make a payment and receive your reward in seconds!

Seamless Transaction:

With GrabPay Card, enjoy fast, smooth, and seamless transactions with no need for manual calculations or signatures needed after each transaction – just pay and go!

Mobile Protection Insurence:

Mobile Protection Insurance provides further security and peace of mind to GrabPay Card users. GrabPay Card users can pay their monthly cell phone bills and receive AIG insurance.

If a phone is lost or destroyed, the user can file a claim and obtain compensation from the insurance company. If the monthly premium is not paid on time, coverage will be canceled.

It will continue to cover those who pay their bills on time in 15 days. The feature of the GrabPay Card demonstrates the company's commitment to user advantages.

E-Commerce Protection:

E-commerce security is its hallmark. GrabPay Mastercard holders are protected against incomplete or defective online purchases. This prevents users from losing or receiving damaged products.

Note that cash, gold, tickets, food, and other consumables are not protected. Notwithstanding these restrictions, the GrabPay Card's e-commerce protection makes it a convenient and secure online shopping option.

How To Get a GrabPay Card?

The following procedures are what you need to take in order to obtain a digital GrabPay Card:

• Open the Grab app on your smartphone.
• Tap on the "Payment" icon at the bottom of the screen.
• Click on the "Get your GrabPay card now" option.
• Enter the necessary details as requested by the onscreen prompts, such as your name, date of birth, and address.
• Once you have entered all the details, click on "Submit."
• After your information is verified, your digital GrabPay Card will be generated and displayed in the app.

In order to obtain a physical GrabPay card:

• Open the Grab app and go to the "Payment" section.
• Tap on the "Request physical card" option.
• Confirm your payment method and adjust the delivery address as needed.
• Review the delivery details and tap on "Confirm".
• Your GrabPay physical card will be delivered to your address within 7-10 days after confirmation.

How Do GrabPay Cards Work?

GrabPay is a digital wallet service provided by Grab, a Southeast Asian ride-hailing and delivery company. GrabPay enables customers to save monies in their digital wallets and use them to pay for Grab services and merchants that accept GrabPay.

GrabPay Cards are prepaid Mastercards that are linked to a user's GrabPay wallet. The card can be used at any Mastercard-accepting merchant, both online and offline, worldwide.

A user must first load monies into their GrabPay wallet before using a GrabPay Card. The card can then be used to make purchases up to the available balance in the wallet. The monies will be deducted from the user's GrabPay wallet and shown in their transaction history.

The GrabPay Card is available in both digital and physical formats. The digital card is accessible via the Grab app, while the actual card can be ordered and sent to the user's address.

Notably, GrabPay Cards are not designed to compete with banks in the credit card industry. Rather, they are intended to provide existing GrabPay users with greater payment options and convenience.

While existing GrabPay customers may profit from the use of GrabPay Cards, there may not be much reason for people who are not already GrabPay users to use the service just for the card.

Fees Associated With GrabPay Card

Before you make the decision to get your GrabPay Card, it's essential to understand the associated fees. Take a look below at the fee structure of this remarkable service:

Account Application Fee:

The good news is that there is no account application fee when you apply for a GrabPay Card. It indicates that there are no upfront fees involved with applying for the card and that applying is free.

Physical Card Fee:

A cost of 10 SGD or 5,000 GrabPay Reward points is required for a physical card. This is a refundable deposit contingent upon card usage levels. It means that you can obtain your deposit back if you use your card regularly enough.

Card Replacement Fee:

If your card is lost, stolen, or destroyed, you must pay a replacement fee of 10 Singapore dollars (SGD). However, if the card is replaced due to fraud, the fee is waived.

Card Replacement Fee After Expiry:

If your card expires, you can acquire a replacement card at no cost. Nevertheless, if you lose or damage the expired card, you must pay 10 SGD to replace it.

Overseas ATM Withdrawl Fees:

If you use your GrabPay Card outside of Singapore to withdraw cash from an ATM, you will be charged 5 SGD plus 2% of the transaction amount in foreign currency transaction costs.

Cross Border Processing Fee:

Using your GrabPay Card for SGD transactions processed outside of Singapore incurs a 1% cross-border processing fee.

Security of GrabPay Card

GrabPay stresses transaction and data security. GrabPay Cards are protected by EMV chip technology. Also, Grab users can monitor their transactions and set spending limits to safeguard their accounts.

Numberless Card: 

The GrabPay Mastercard is numberless, meaning no card number is printed on the physical card. This makes it more difficult for fraudsters to access and use your card details for fraudulent transactions.

Useful for Travelers:

The GrabPay Card is extremely convenient for tourists, especially those who are traveling to countries with high credit card fraud rates. By using this card instead of a conventional credit card, you can reduce the likelihood of your financial information being stolen.

Access to Card Number:

Access to Card Number Despite the absence of a number on the card, the card number is still available via the Grab app. This feature enables you to reveal the card number during online transactions while keeping the security benefits of a numberless card.

Instant Card Blocking: 

If you lose or have your GrabPay Card stolen, you can quickly block it through the Grab app. Even if the physical card falls into the wrong hands, this feature protects your financial data from unauthorized purchases.

Rewards Offered By GrabPay

The GrabPay Card provides a number of incentives and bonuses, making it a fantastic option for consumers who enjoy earning rewards while making purchases. With exclusive perks, travel incentives, and a variety of Grab services in Singapore, the card provides its members with substantial value.

Grab Rewards:

The GrabPay Card enables users to earn Grab Rewards points at a rate of six points per dollar for members and ten points per dollar for Platinum Members while making transactions. These points can be redeemed for a number of benefits, including Grab ride discounts, restaurant coupons, and more.

Exclusive Benefits:

The GrabPay Card offers additional, distinctive benefits, such as mobile phone insurance and protection for e-commerce transactions. These benefits boost the card's value to cardholders, making it a more appealing payment method than alternatives.

Range of Services:

Grab offers numerous services in Singapore, including transportation, restaurant delivery, shopping delivery, and mobile payments. By employing the GrabPay Card for these services, users are able to earn rewards and enjoy exclusive perks.

Travel Perks:

Both the physical and digital GrabPay Cards can be used to receive international travel perks. These advantages may include discounts on airfare, hotel reservations, and other travel-related charges, making this card a great option for frequent travelers.

Advantages Of GrabPay Card

The GrabPay Card offers consumers a payment option that is not only convenient but also safe and rewards-eligible. The GrabPay Card is a popular alternative for customers wanting a quicker payment process because it does not impose any additional costs, enables cashless payment options, and allows customers to earn rewards points.

Convenience:

The GrabPay Card can be used to pay for transportation, food delivery, and mobile payments, among other services. This makes it a useful payment option for customers who want to utilize a single way for all of their daily costs.

Security:

The numberless nature of the GrabPay Card makes it more difficult for thieves to get and use the information. With the app, consumers may easily disable lost or stolen cards, thereby enhancing their security.

No Extra Fees:

The fees associated with using a GrabPay Card are the same as the standard transaction fees that are applicable to all Grab services. This indicates that cardholders will not be subject to any additional taxes or fees that are not disclosed.

Disadvantages of GrabPay Card

Limited Acceptance:

Because it is not accepted everywhere, it is possible that some establishments will be unaware that the GrabPay Card is a valid payment option. Due to this, its applicability may be limited in some circumstances.

Fees for Non-Grab Transactions:

Even though there are no extra fees for using the GrabPay Card for Grab services, there may be fees for other purchases, such as using an ATM in a foreign country or exchanging foreign currency.

Limited Rewards Redemption Options:

The GrabPay Card does provide rewards points for every dollar spent, however, users have limited options for redeeming these points, thus the points may not be as advantageous as customers had thought.

Dependence on Grab: 

To use the GrabPay Card, you will need to have the Grab app and platform installed. It's possible that customers who favor alternative payment methods or platforms will view this as a negative aspect of the service.

Security Concerns:

Despite the fact that GrabPay Card is designed with security in mind, any payment mechanism is susceptible to hacking and other security breaches. Users may be at risk if they do not take the appropriate precautions to protect their accounts and personal information.

Alternatives Of GrabPay Card

In the GrabPay Card review, the alternatives to GrabPay Card are possible. Some of these options include:

AMEX SIA Business Card

The AMEX SIA Business Card is available in Singapore and offers a range of benefits, including air miles, cashback, and discounts. This card may be an attractive option for frequent travelers who are looking to maximize their savings.

Key Benefits

Here are some of the key benefits that come with the AMEX SIA Business Card:

• Complimentary night's stay every year worth S$418.
• Earn 5,000 HighFlyer points when you spend S$500 within the first 12 months.
• Earn 15,000 HighFlyer points when you spend S$10,000 annually with Singapore Airlines Group.
• Interest-free transactions from the transaction date.
• Earn rewards for spending both on eligible Singapore Airlines Group flights and all other eligible spendings, where every S$1 spent is worth one KrisFlyer mile.
• Priority Pass membership with two complimentary visits per year at participating lounges for you and a guest worth S$221.
• Fast-track to KrisFlyer Elite Gold Status when you spend S$15,000 with Singapore Airlines Group in the first 12 months.
• Complimentary Hertz Gold Status with 10% off standard rates, one car class upgrade, and the additional driver fee waived.

Fees

Here are the fees associated with the AMEX SIA Business Card:

Primary Card: S$301.79 (inclusive of 8% GST)

Supplementary Card: S$99.93 each (inclusive of 8% GST)

Rewards

With the AMEX SIA Business Card, you can earn HighFlyer points and KrisFlyer miles for your spending. You earn 5,000 HighFlyer points when you spend S$500 within the first 12 months, and 15,000 HighFlyer points when you spend S$10,000 annually with Singapore Airlines Group.

For every S$1 spent on eligible Singapore Airlines Group flights and all other eligible spendings, you earn one KrisFlyer mile.

Priority Pass Membership

The AMEX SIA Business Card also comes with a Priority Pass membership that provides you with access to over 1,200 airport lounges worldwide. With this membership, you can enjoy two complimentary visits per year at participating lounges for you and a guest worth S$221.

Fast-track to KrisFlyer Elite Gold Status

Cardholders can also enjoy a fast track to KrisFlyer Elite Gold Status when they spend S$15,000 with Singapore Airlines Group in the first 12 months. This status provides benefits such as priority check-in, boarding, and baggage handling, as well as lounge access.

Complimentary Hertz Gold Status

The AMEX SIA Business Card also comes with complimentary Hertz Gold Status, which provides you with 10% off standard rates, one car class upgrade, and the additional driver fee waived.

AMEX True Cashback (TCB) Card

The AMEX TCB Card is a credit card with an annual fee of S$172.80 (incl. of 8% GST) which is waived for the first year. The first two supplementary cards are free, and subsequent cards cost S$86.40 (incl. of 8% GST ).

Rewards and Benefits

The AMEX TCB Card offers a welcome cashback bonus, immediate cashback in the same month's statement, and no cap on cashback rewards. There is also no need to track spending categories or meet minimum spending requirements to earn cashback.

Membership Benefits

• Cardholders of the AMEX TCB Card can enjoy additional savings on wedding packages and services with participating partners through True Love Weddings. They can also benefit from curated offers and additional savings on home improvement purchases and selected family expenses with American Express True Cashback Card Offers.
• The card also provides travel inconvenience and travel accident insurance, which can give peace of mind while traveling. Moreover, cardholders can access world-class services such as 24-hour customer care professionals, global assistance, and fraud protection.

Drawbacks

One of the major drawbacks of the AMEX TCB Card is that it has a high annual fee compared to other cashback credit cards available in the market. Additionally, the cashback rate of 1.5% is lower than some other cards in its category.

FAQ

Conclusion

As you can see from our of GrabPay Card review, the benefits it offers are unmatched. With unparalleled convenience and security, this card will give you the power to make payments quickly and easily, no matter where you are.

With its highly competitive rewards and sign-up bonuses, it's a great choice for anyone looking to streamline their payment experience. In conclusion, if you're looking to make all your payments in one place, the GrabPay Card is your best bet!