Chalk this up as unconfirmed, but it seems very likely that GrabPay topups no longer receive 10X points (4 mpd) with the DBS Woman’s World Mastercard.
Milelion community members started reporting this a few days ago, after the bonus 9X points for December 2018 were credited on 16 January 2019. Based on data points provided so far, here’s the preliminary conclusion:
- Grab top ups made before 24 December still earn 10X points
- Grab top ups made on or after 24 December do not earn 10X points
- Ad-hoc Grab payments for rides or food still continue to earn 10X points
This matches my personal experience for the month of December. The DBS CSO told me that all my Grab transactions had earned 10X, but it just so happened that my top ups were done before 24 December.
You could argue that this isn’t a new exclusion by DBS per se, just the enforcement of an existing one. The September 2018 version of the WWMC’s T&Cs excludes top ups to prepaid accounts, which one would assume GrabPay falls under.
Still, it’s going to sting for those who have been faithfully using their WWMC for GrabPay topups from 24 December (me included). These transactions will earn you only the 1X base points, or 0.4 mpd.
What cards continue to earn 10X on GrabPay topups?
Fortunately, there are other ways to continue earning bonus points on GrabPay topups.
The KrisFlyer cobrand AMEX cards will earn a bonus 2 mpd on the first $200 of Grab transactions each month, including GrabPay top ups. This means you’ll earn a total of:
- 3.1 mpd with the KrisFlyer Credit Card (Blue)
- 3.2 mpd with the KrisFlyer Ascend
- 3.3 mpd with the KrisFlyer PPS/Solitaire PPS
If you don’t have one of these cards yet, you can get up to $200 of Grab/NTUC/Taka vouchers or $150 of cash by applying through the SingSaver January sign up offers. You can also win $888 of cash by taking part in the ongoing Air Miles vs Cashback competition- more details about that here.
The increasing adoption of GrabPay means that it’s a potential route to 10X everywhere– top up your balance with a 10X earning card, and use your credits at merchants which would normally only attract regular general spending rates.
DBS’s move will put a dent in some people’s strategies, but it’s worth noting that there are (for the moment) other ways to skin a cat.