GrabFood is SG's other major food delivery app (alongside foodpanda). It bills as a separate merchant from Grab rides — Grab rides use MCC 4121, GrabFood uses MCC 5814 — so a transport-only bonus card won't match. Food-delivery / dining-category cards do match, and a few selectable-category cards stretch higher if you commit Food Delivery as your locked tier.
HSBC
8 mpd (20 RP per S$1) on Eligible Transactions for HSBC Everyday Global accountholders with ≥ S$50K balance (Mar 2026 restoration per Milelion 2026 strategy). Categories and S$1,000 cap mirror hsbc-11-bonus-1; relationship gate enforced by engine filterRatesMapByRelationship — rate is dropped when userProfile.bank_relationships doesn't include 'hsbc_ega_50k'.
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.
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 — freeDifferent MCC. Grab rides use MCC 4121 (Taxis/Ride-hailing). GrabFood uses MCC 5814 (Food Service). Cards with a Transport bonus match the first but not the second. Cards with a Dining or Food Delivery bonus match GrabFood.
The monthly Subscriber fee usually charges under a generic service MCC and earns only base rate on most cards. Per-order food charges earn the dining/food-delivery rate.
Yes. Paying for GrabFood via GrabPay wallet typically pays only base rate (since GrabPay top-ups are stored-value). Paying with credit card directly at checkout earns the full food-delivery bonus.