Latest GrabPay Power Up Challenge: Up to 20K bonus GrabRewards points


The latest GrabPay Power Up Challenges are out, and although they're less generous than last month's, it doesn't hurt to register.

Grab has launched its latest set of GrabPay Power Up Challenges, which award bonus GrabRewards points to users who complete a certain set of tasks.

The latest challenges run from 15 July to 14 August 2021, or until all rewards are redeemed (which usually happens first). You must opt-in to participate, either via the banner on the home page of the Grab app or under Account ➔ Challenges

New GrabPay Power Up Challenge

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

Offers are targeted, and different people will see different permutations. Here’s the ones I’m aware of: 

 Offer 1Offer 2Offer 3Offer 4Offer 5
Top-up GrabPay WalletS$100S$300S$800S$1.1KS$2.1K
GrabPay Wallet/ Card Trxn.510152025
GrabPay Wallet/ Card SpendS$100S$250S$750S$1KS$2K
Reward2.5K pts5K pts10K pts12K pts20K pts

The bonus GrabRewards points are 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 base points) for completing the challenge looks like this:

 Offer 1Offer 2Offer 3Offer 4Offer 5
Total SpendS$100S$250S$750S$1KS$2K
Member/ Silver Rebate5.6%4.6%3.3%3.0%2.6%
Gold Rebate5.9%4.9%3.6%3.3%2.9%
Platinum Rebate6.2%5.2%3.9%3.6%3.2%

It’s about 1-2% less generous than what we had last month, simply because Grab has reduced the bonus points while keeping the spending requirement the same. For example, Offer 1 last month paid out 3,000 rewards points (versus 2,500 now), and Offer 2 last month paid out 7,500 rewards points (versus 5,000 now). 

I was targeted with Offer 1 this time round, which looks fairly easy to finish. As a general rule, the higher your spending requirement, the less attractive the offer not just in terms of rebates, but the opportunity cost of diverting spend away from 4 mpd cards.

At least the Grab interface 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). 

What spending counts towards the challenge?

Qualifying transactions are defined as online and in-person payments to GrabPay-enabled merchants using the Grab wallet or GrabPay card, excluding Grab rides, GrabFood, GrabMart, and GrabExpress. 

The following MCCs are also excluded:

  • 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
💡 FAQ: Does AXS spend count?
While GrabPay can be used to settle bills on AXS, AXS transactions not count towards Power Up campaigns.

In an ideal world, you’ll minimize the opportunity cost of using GrabPay by clocking your minimum spend with transactions that don’t earn points with credit cards. 

However, many GrabRewards exclusions now overlap with banks’. For example, charitable donations, education, and insurance transactions will not be eligible for GrabRewards points or the Power Up Challenge. This leaves a very narrow range of transactions where using GrabPay entails no opportunity cost. The two I can think of are:

  • MCC 9399 Government Services, so you could pay off your road tax or some other bill on a government portal (not AXS) that accepts the GrabPay Mastercard
  • MCC 4900 Utilities, but keep in mind there are still some credit cards (e.g SCB and UOB) which reward this category

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 four 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
CIMB World Mastercard
1.5% cashback
UOB Absolute Cashback Card
1.7% cashback

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

FYI: 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. 


If you were targeted with Offer 1 & 2, I wouldn’t worry too much about opportunity cost since the effective rebate is high enough (especially when you factor in the double dip from selected credit cards). 

The other offers are much harder to justify going out of your way to accomplish, and I wouldn’t bother. 

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.

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Top up 1.6k, min 20 txns, Spend 1.5k, recv 15k pts


I rec this too.


Do payments on Fave via GrabPay credits count?


also have top up 600, spend 500 tier, 7.5K points

Last edited 2 years ago by freedom

I think there’s a top up $600, spend $500



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