I’m a bit slow to learn about this, but by way of a PSA: GrabPay has added government services to its ever-growing exclusions list since 25 February 2022.
This means you’ll no longer earn GrabRewards points for things like renewing passports, paying for HDB season parking, or road tax. It’s a bummer, because GrabPay was one of the only options left on the market for earning rewards on these transactions
No more GrabRewards points for government services
From 25 February 2022, Grab has added the following MCCs to its exclusion list:
- MCC 9399 – Government Services (Not Elsewhere Classified)
- MCC 9402 – Postal Services-Government Only
- MCC 9405 – Intra-Government Purchases-Government Only
This covers pretty much every government agency you can think of: HDB, ICA, NEA, URA etc. SingPost will also fall within the ambit.
With the latest changes, here’s the full list of GrabRewards exclusions.
|❌ GrabPay Rewards Exclusions|
You can still earn up to 3% cashback
Even though you’ll no longer earn GrabRewards points for government services, GrabPay can still help you earn up to 3% cashback.
All you need to do is use one of the credit cards below to top-up your GrabPay balance, then pay with the GrabPay Mastercard or GrabPay via AXS (if you’re using AXS, remember to select credit card rather than debit card when paying, notwithstanding the fact the GrabPay Mastercard is a debit card).
|💳 Cards for GrabPay Top-Ups|
|AMEX SIA Business Card|
|1.8 mpd||Only for owners of SMEs|
|AMEX True Cashback Card|
|3% cashback (capped at S$5K spend in first 6 months)|
|UOB Absolute Cashback Card|
|1.7% cashback||No cap|
New AMEX customers who apply for an American Express True Cashback Card can choose one of the following gifts with S$500 spend in the first month of approval:
- ErgoTune Classic (worth S$399)
- Apple AirPods Pro (worth S$379)
- S$160 cash
|💳 Definition: New AMEX Customer|
|Those who do not hold an existing personal American Express card, and have not cancelled any American Express card in the last 12 months. Corporate cards and AMEX cards issued by DBS, Citibank and UOB do not count.|
Alternatively, new UOB customers who apply for a UOB Absolute Cashback Card will get S$30 cash via PayNow upon approval, with no minimum spend required.
|💳 Definition: New UOB Customer|
|Those who do not hold an existing principal UOB card, and have not cancelled any UOB cards in the last 6 months.|
GrabPay has added government services to its rewards exclusion list, which means you won’t be able to double dip on GrabRewards and credit card points/rebates when making such transactions.
On the bright side, it’s still possible to earn up to 3% cashback on these bills when using the right credit card to top up GrabPay.