New GrabPay Power Up Challenge: Up to 20K bonus points


Earn up to 20,000 bonus GrabRewards points from 15 October to 14 November when you top-up your GrabWallet and spend with GrabPay.

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 October to 14 November 2021, or until all rewards are redeemed (which usually happens first). You must opt-in to participate, either via the banner on the homepage of the Grab app or under Account ➔ Challenges

New GrabPay Power Up Challenge

GrabPay Power Up challenges involve topping-up the GrabPay wallet and making a certain number (and volume) of transactions. 

Each user will be targeted for a different promotion; these are the permutations I’m aware of so far (thanks to Sethisfy for compiling them):

Top-UpNo. of TrxnsMin. SpendReward
S$100 5 S$100 2,500 pts.
S$30010S$2505,000 pts.
S$60015S$5007,500 pts.
S$80015S$75010,000 pts.
S$1,10020S$1,00012,000 pts.
S$1,60020S$1,50015,000 pts.
S$2,10025S$2,00020,000 pts.

The bonus GrabRewards points are awarded on top of the base points you normally earn, as summarised below:

TierCredit/Debit CardGrabPay Wallet/Card

Given a value of 0.2 cents per GrabRewards point, your incremental rebate for completing this challenge ranges from 2-5%.

Ironically, the more you spend, the lower your rebate. I received the 20,000 points offer, which requires me to spend S$2,000 for S$40 worth of points (2% rebate). Someone with the 2,500 points offer spends just S$100 for S$5 worth of points (5% rebate).

One nice thing about the GrabRewards 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.

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 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.

If you’re thinking of using your GrabPay card for transactions outside of Singapore, do note that such transactions won’t count towards the challenge. 

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 those of banks. For example, charitable donations, education, and insurance transactions do not count towards the Power Up challenge, leaving a very narrow range of possibilities. 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?

For the purposes of this challenge, GrabPay top-ups must be done through a linked UOB bank account, other bank accounts via PayNow VPA, or credit/debit cards. P2P transfers do not count.

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
1.8 mpd
AMEX True Cashback Card
1.5% cashback
UOB Absolute Cashback Card
1.7% cashback

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


While I may very well top up S$2,100 to my GrabPay wallet (I’ve got insurance premiums incoming), I just don’t see myself making S$2,000 of eligible transactions (insurance premiums don’t count). So this month’s GrabPay Power Up is basically a non-event for me.

If you were targeted for a smaller challenge, however, it could be a nice little bonus if you don’t need to go out of your way to meet it. There’s no harm registering just in case. 

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

Correction. There is “harm” in registering if you don’t intend to meet it. Grab’s algorithm is designed that if you register, you’d always get the same or more stringent challenge the next round. If you don’t, then the challenge drops to an easier level next time, which is easier for you to meet.


this is pure hearsay. The spending matters more than whether you register or not.


Tried doing that, it will not make the challenge easier .. maybe if u try stop using Grab for x months, perhaps the challenge drops to an easier level


Does anyone know if it’s possible to pair Amaze card with GPMC which is topped up with TCB?


No, can’t be done.


What’s the best use of grab points? Miles or voucher?

Gerald Tham

Does grab paylater installment move the powerup? Tia

Last edited 11 months ago by Gerald Tham



Featured Deals


Follow us