transport
MCC 4121
By Spiddy Ng
Best credit card for Grab Singapore
Ride-hailing / GrabFood via Grab app. GrabPay wallet top-ups are widely excluded (UOB One, DBS descriptors, etc.). Modelled on S$300 spend. Miles and cashback ranked equally (miles at illustrative S$0.014). Author: Spiddy Ng.
Estimates only. We never invent rates — figures come from
cards.json (dataset 2026-10-22).
Affiliate links use rel="sponsored". See Disclosure and Methodology.
Named / MCC boosts we apply
- amex-krisflyer Grab 2 mpd
- uob-one Grab additional %
- hsbc-revolution MCC 4121 bonus
- ocbc-365 land transport 6%
Modelling assumptions
S$300 Grab app spend (rides/food), not GrabPay top-up. Amex KF Grab bonus capped at S$200/mo at 2 mpd; remainder at 1.1 mpd.
- Modelled as S$300 spend at this merchant in one calendar/statement month (unless noted).
- Miles valued at illustrative S$0.014 each for ranking only (same as calculator).
- UOB One: assume qualifying Tier ≥ S$1,000/mo + ≥10 txns (additional Grab/McD/Shopee/SimplyGo 5%, grocery add-on 2.67%) unless the merchant needs Tier 3 (Shell).
- HSBC Revolution: standard bonus-points cap (9,000/mo), not Everyday Global ADB boost.
- UOB Lady's: preferred-category bonus only when the merchant plausibly maps to Dining or Shopping; otherwise base 0.4 mpd.
- SC Smart: when merchant is a listed bonus merchant, assume monthly eligible spend ≥ S$800 (8% bonus tier); otherwise other-eligible rate.
- Transaction-block rounding (per S$5 / S$10) ignored. Caps applied where verified.
- MCC codes are typical industry codes — issuers may code a merchant differently; always check your statement.
Ranked cards for Grab
| Card | Modelled rate | On S$300 | Caps | Caveats & sources | Links |
|---|---|---|---|---|---|
| 6% land transport | S$18.00 est. cashback S$
≈ S$18.00 rank value
|
S$160/mo cap; excl. EZ-Link/TransitLink top-up |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply | |
| 4 mpd contactless/online bonus MCC (modelled) | 1,200 est. miles
≈ S$16.80 rank value
|
Bonus points capped 9,000/mo (≈ S$1,000 bonus spend at 9 pts/S$) |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply | |
| Additional 5% on this merchant | S$15.00 est. additional cashback S$
≈ S$15.00 rank value
|
Additional cashback capped S$120/statement month |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply | |
|
#4
AXKrisFlyerAmex
American Express Singapore Airlines KrisFlyer Credit Card
Partial data miles Merchant boost
|
2 mpd Grab (first S$200/mo) then 1.1 mpd | 510 est. miles
≈ S$7.14 rank value
|
Grab bonus on first S$200/calendar month |
Source: bank T&Cs · last checked 2026-10-22 |
Card No Creatory link |
| 1.4 mpd local SGD | 420 est. miles
≈ S$5.88 rank value
|
No cap on base miles | Source: bank T&Cs · last checked 2026-10-22 |
Card Apply Apply | |
| 1.3 mpd local SGD | 390 est. miles
≈ S$5.46 rank value
|
No cap stated for base earn |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply Apply | |
| 1.3 mpd (miles mode) / cashback mode varies by age | 390 est. miles (miles mode)
≈ S$5.46 rank value
|
Miles mode uncapped; cashback mode has category caps |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply | |
| 1.2 mpd local SGD | 360 est. miles
≈ S$5.04 rank value
|
Uncapped base miles (bank page) |
Source: bank T&Cs · last checked 2026-10-24 |
Card Apply | |
| 1.5% unlimited eligible | S$4.50 est. cashback S$
≈ S$4.50 rank value
|
Unlimited |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply | |
| 0.4 mpd base (not assumed preferred) | 120 est. miles
≈ S$1.68 rank value
|
Preferred-category bonus not applied for this merchant |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply | |
| 0.5% other eligible (not a listed bonus merchant) | S$1.50 est. cashback S$
≈ S$1.50 rank value
|
No cap |
Source: bank T&Cs · last checked 2026-10-22 |
Card No Creatory link | |
| 1 Point/S$ (not in 10X MCC / online list for this merchant) | 300 est. ThankYou Points
≈ S$1.20 rank value
|
Base uncapped |
Source: bank T&Cs · last checked 2026-10-22 |
Card Apply |