New GrabPay Power Up Challenge: Up to 20,000 bonus GrabRewards points

Last Updated:

Register for the latest GrabPay Power Up Challenge and earn bonus points for topping-up and spending via your GrabPay wallet.

Grab has launched its latest set of GrabPay Power Up Challenges, which award users with bonus GrabRewards points for completing a certain set of tasks. 

The latest challenge runs from 15 June to 14 July 2021, or until all rewards are redeemed (which usually happens first). You must opt-in for these challenges, which can be found on the home page of the Grab app- just scroll down until you see the Power Up box. 

New GrabPay Power Up Challenge

This month’s GrabPay Power Up challenge involves topping-up the GrabPay wallet and making a certain number (and volume) of transactions. 

Offers are targeted, and you’ll be able to see yours at the point of registration. Here’s the four different permutations I’m aware of: 

 Offer 1Offer 2Offer 3Offer 4
Top-up GrabPay WalletS$100S$300S$800S$1,600
GrabPay Wallet/ GrabPay Card Transactions5101520
GrabPay Wallet/ GrabPay Card SpendingS$100S$250S$750S$1,500
Reward3K pts7.5K pts15K pts20K pts
AvailabilityFirst 8KFirst 5KFirst 4KFirst 3K

The reward is given on top of the base points you normally earn, i.e. 3 pts/S$1 for Member/Silver, 4.5 pts/S$1 for Gold and 6 pts/S$1 for Platinum. 

Given a value of 0.2 cents per GrabRewards point, your effective rebate (including the base points) for completing the challenge looks like this:

 Offer 1Offer 2Offer 3Offer 4
Total SpendS$100S$250S$750S$1,500
Member/ Silver Rebate6.6%6.6%4.6%3.3%
Gold Rebate6.9%6.9%4.9%3.6%
Platinum Rebate7.2%7.2%5.2%3.9%

Offer 1 & 2 are definitely the most attractive of them all, although one needs to remember the rebate is capped at S$250 of spend. Offer 4 is probably not worth your time, given how much spend you’d have to divert away from 4 mpd cards.

I was targeted with Offer 3, which I’m on the fence about. Meeting the minimum top-up isn’t the problem, since I need a GrabPay balance to settle my AXS bills. However, meeting the spend requirement will be tricky, because AXS payments do not count towards Power Up campaigns. I’ve registered just in case, but we’ll see. 

What’s nice about the Grab interface is that it shows (in real time) exactly how many rewards are left, so you don’t go spending to attain something that’s already not available (ahem UOB ahem). 

The T&Cs of the GrabPay Power Up challenge can be found below:

  • Each Challenge is specially designed for every individual user and each user may receive different Challenges, limited to the user who has access to the Challenge in their app. Grab reserves the right to limit accessibility of participants to the Challenge in their app.
  • Users need to opt-in to this challenge (Click on the ‘Accept Challenge’ button) before spending or topping up, in order for all their actions to qualify towards this Challenge.
  • GrabPay Wallet top up methods that are valid for this Challenge include through linked UOB bank account, other bank accounts via PayNow VPA, and all credit/debit cards. Transfers via peer-to-peer do not count towards GrabPay top ups for this Challenge.
  • Spends which are valid for this Challenge include online and in-person payments to GrabPay-enabled merchants, online and in-person payments using GrabPay Card, and online payments using PayLater to GrabPay-enabled merchants.
  • Spends which are not valid for this Challenge include all transactions on Grab rides, GrabFood and GrabMart orders, GrabExpress deliveries, GrabPay peer-to-peer transactions, and refunded spends.
  • Other spends which are not valid for this Challenge include online/offline spends on the following Merchant Category Codes – MCC 6540 – POI Funding Transactions, MCC 7299 – Miscellaneous personal services, MCC 6012 – Financial Services, MCC 7399 – Business services not elsewhere classified, MCC 6536 – Money Send, MCC 6537 – Money Send intercountry, MCC 6011 – Financial Institutions Manual Cash Disbursements, MCC 6300 – Insurance Sales, Underwriting and Premiums, MCC 5960 – Direct Marketing Insurance Services, MCC 8398 – Charities, MCC 8220 – Colleges, Junior Colleges, Universities, and Professional Schools, MCC 8299 – Schools and Educational Services ( Not Elsewhere Classified), MCC 8661 – Religious Organizations, MCC 8211 – Elementary and Secondary Schools, MCC 8244 – Business and Secretarial Schools, MCC 8249 – Vocational Schools and Trade Schools, MCC 8241 – Correspondence Schools, MCC 8062 – Hospitals.
  • Discounts and promo codes do not count towards campaign period spend. For example, if an e-Commerce order costs $20 and a $3 promo code is used, only $17 final spend will count.
  • Challenge is only valid when you are in Singapore. Any GrabPay transaction made outside Singapore will not contribute towards this Challenge.
  • This Challenge cannot be replayed once it is completed or the period has ended.
  • Challenge will end when the time runs out, or when the available reward inventory runs out, whichever earlier.
  • GrabRewards points rewarded in this challenge will not count towards tier qualification.
  • Grab reserves the sole and absolute right to alter or end this promotion, without giving prior notice, or compensation in cash or in kind.
  • Grab reserves the sole and absolute right to disqualify or reject any participant deemed ineligible for the campaign, be it under these terms and conditions or having engaged in conduct that Grab considers inappropriate or unacceptable.

What card should I use for GrabPay top-ups?

While the vast majority of credit cards no longer offer rewards for GrabPay top-ups, there are three exceptions I’m aware of:

CardEarn Rate
AMEX SIA Business Card
6.8 mpd
(if registered for AMEX Offer, otherwise 1.8 mpd)*
AMEX True Cashback Card
1.5% cashback
UOB Absolute Cashback Card
1.7% cashback
*From 13 July 2021, when the conversion rate between HighFlyer and KrisFlyer becomes 1:1 (currently 1:0.5)

Using any other credit card to top-up your GrabPay balance is pointless (literally). 

Grab had originally intended to add a S$1 admin fee to all top-ups of less than S$400 made with a Visa credit card, but is temporarily suspending this until further notice. 

What should I use my GrabPay balance on?

In an ideal world, you’ll minimize the opportunity cost of using GrabPay by spending on transactions that do not earn points with credit cards. 

However, GrabPay has its own set of rewards exclusions, many of which overlap with those of banks. For example, charitable donations, education, and insurance transactions will not be eligible for GrabRewards points.  

This leaves a very narrow range of transactions where using GrabPay entails no opportunity cost. MCC 9399 Government Services is one of them, so you could pay off your road tax or some other bill on a government portal that accepts the GrabPay Mastercard. MCC 4900 Utilities would be another, but keep in mind there are still some credit cards (e.g SCB and UOB) which reward this category.

Once again, AXS transactions do not earn any GrabPay points, nor will they count towards the Power Up tracker. 


If you were targeted with Offer 1 & 2, I wouldn’t worry too much about opportunity cost. The effective rebate is high enough, and you’re only spending S$250 anyway.

It’s Offer 3 and 4 that become a bit more tricky, and while I’ll certainly keep the Power Up promo at the back of my mind, I wouldn’t go out of my way to meet it. 

Any other GrabPay Power Up offers you received?

Aaron Wong
Aaron Wong
Aaron founded The Milelion to help people travel better for less and impress chiobu. He was 50% successful.

Similar Articles


Notify of

Inline Feedbacks
View all comments

Another offer:- Top Up $100. Make 5 transactions. Spend $100. Get 3000 points. Looks like for the first 8,000 redemptions.


Targeted for the $800 top up offer.
Swept the last $300 top up, but this round like you pointed out, wont go purposely to meet the $750 spending amount.

Wei Yang

Those who are doing this…. might be worthwhile to get the rewards multiplier for 10 bucks too?



Featured Deals


Follow us