Grab is the dominant transport spend for most Singapore wallets. Several SG cards target the ride-hailing MCC (4121) directly with elevated cashback or miles tiers, but the headline rate isn't always what you actually earn — tier minimums, monthly caps, and "transport vs food delivery" MCC quirks all matter. Here's how the leading options stack up at typical spend.
Trust
Applies only to ONE category you select (locked per quarter). Requires S$2,000/mo eligible spend to unlock.
15% on user-selected preferred category at S$2,000/month min for 3 consecutive months. Quarterly cap S$250 (~S$83/cycle). Quarterly category lockup. From 1 Mar 2026: $1k/10% tier removed.
Citibank
8% on Private Commute / Ride-hailing (Grab, Gojek, TADA — MCC 4121). NEW tier added 1 Apr 2024. Requires S$800/mo min, $80/mo total bonus cap.
UOB
Requires S$2,000/mo eligible spend to unlock.
Additional 6.67% on Grab (excl top-ups), McDonald's, Shopee, SimplyGo at Tier 3 ($2,000/mo + 10 txns). Tier 1 ($600/mo + 10 txns) gives 5%. Tier 2 ($1k/mo) does NOT get this bonus. Total monthly additional cashback cap S$120 across all bonus categories.
These are the objective top picks. Perqa narrows them to the cards in your wallet and tracks your spend so you always use the right one.
Try Perqa — freeBanks classify Grab under MCC 4121 (Taxis & Limos) — the same as taxis and ComfortDelGro. Cards with a Transport / Ride-hailing bonus category match Grab automatically. SimplyGo and MRT/bus transactions are a separate MCC (4111) and may earn differently.
Most banks classify GrabPay top-ups as "stored-value top-ups" and pay only base rate (or nothing). UOB Absolute is one of the few cards that pays anything on stored-value top-ups. Direct Grab ride payments (not via GrabPay wallet) earn the normal transport bonus.
No — GrabFood is classified as Food Delivery (MCC 5814 typically), not transport. Use a food-delivery or dining bonus card for GrabFood; use a transport card only for Grab rides.