Best Cashback and Miles Cards to Use For Ride-Hailing
Booking a ride on Grab, GoJek, Comfort or other ride-hailing apps? Read on for the best cards to pay for your rides for maximum cashback or miles, as well as apps that can give you extra rewards.
Partner-specific Cards
Here are cards that tie up with specific ride-hailing services:
| Card | Ride-hailing Service | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|---|
 DBS yuu |  GoJek | 17.5% rebate or 9.72 miles per dollar | 28,800 points (S$822.86 spend) | 💲 Minimum spend of S$800 per month |
 UOB One |  Grab | Tier 1: bonus 5% cashback Tier 2: bonus 6.67% cashback¹ | S$120 bonus cashback Tier 1: S$2,400 spend Tier 2: S$1,799.10 spend | 💲 Quarterly mechanic: minimum spend of S$600 / S$1,000 / S$2,000 per month for a quarter 💳 Bonus cashback is on top of quarterly cashback |
 GXS Credit Card | Grab | No min spend: 3% coins S$500 to S$999 spend: 5% coins² >S$1,000 spend: 10% coins² Foreign Grab spend: 10% coins | None | 💲 Min spend of S$500 outside of Grab required for 5% and 10% coins 💱 No min spend required for foreign Grab spend |
- Advertised rate can be quite misleading. A high cashback rate can be watered down due to a low sub-limit and minimum spend.
- Tiered cashback (e.g. a spend of S$700 on Grab gets 3% coins on the first S$500, then 5% coins on the remaining S$200)
Cashback Cards
Here are cashback cards that work with ride-hailing service with MCC 4121:
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 Citi Cash Back | 8% cashback | S$80 (S$1,000 spend) | 💲 Minimum spend of S$800 per month |
 Maybank Family and Friends | Tier 1: 6% cashback Tier 2: 8% cashback | Tier 1: S$20 cap (S$333.33 spend) Tier 2: S$30 cap (S$375 spend) | 1️⃣ Tier 1: min. spend of S$800 per month 2️⃣ Tier 2: min. spend of S$1,600 per month 💳 Commute category selected |
 UOB EVOL | 10% cashback¹ | S$30 cashback (S$300 spend) per category | 💲 Minimum spend of S$800 per month 📲 Local mobile contactless payment 🌐 App/online |
 OCBC FRANK | 8% cashback¹ | S$25 cashback (S$312.50 spend) per category | 💲 Minimum spend of S$800 per month 📲 Mobile contactless payment 🌐 App/online |
 DCS Flex | 6% cashback | S$25 cashback (S$416.67 spend) per category | 💲 Minimum spend of S$600 per month 📲 Contactless payment 🌐 App/online |
 DBS LiveFresh | 6% cashback¹ | S$20 cashback (S$350.88 spend) | 💲 Minimum spend of S$800 per month |
 Citi SMRT | 5% cashback | S$600 cashback annually (S$12,000 spend) | 💲 Minimum spend of S$500 per month 🌐 App/online ❌ Travel and mobile wallet excluded |
 DBS Chromo | 5% cashback | S$37.50 cashback (S$750 spend) | 💲 Minimum spend of S$500 per month |
UOB One | 3.33% cashback (with bonus on Grab) | S$200 cashback quarterly S$120 cashback per month for selected partners | 💲 Quarterly mechanic: minimum spend of S$600 / S$1,000 / S$2,000 per month for a quarter |
 Maybank Platinum Visa | 3.33% cashback | Quarterly cap of S$30, S$100 or S$200 | 💲Quarterly mechanic: spend S$300, S$1,000 or $2,000 per month for a quarter |
 SAFRA DBS | 3% cashback | S$50 cashback per month (S$1,666.67 spend) | 💲 Minimum spend of S$500 per month 🫡 Must be SAFRA member 📲 Contactless payment 🌐 App/online |
 OCBC 365 | 3% cashback | Tier 1: S$80 cashback Tier 2: S$160 cashback | 1️⃣ Tier 1: min. spend of S$800 per month 2️⃣ Tier 2: min. spend of S$1,600 per month |
 Bank of China NVMO | 3% cashback | S$25 cashback (S$833.34 spend) | 💲 Minimum spend of S$800 per month |
- Advertised rate can be quite misleading. A high cashback rate can be watered down due to a low sub-limit and minimum spend.
Miles Cards
Here are miles cards that work with ride-hailing service with MCC 4121:
| Card | Advertised Earn Rate | Monthly Cap | Conditions |
|---|---|---|---|
 HSBC Revolution | Tier 1: 4 miles per dollar¹ Tier 2: 8 miles per dollar¹ | S$1,200 spend (4,800 miles) | 💰 Tier 2 requires S$50,000 MAB in HSBC EGA |
 UOB Lady’s | 4 to 10 miles per dollar² | S$1,000 spend (4,000 to 10,000 miles) | 💳 Transport category selected |
 UOB Lady’s Solitaire | 4 to 10 miles per dollar² | S$750 spend (3,000 to 7,500 miles) | 💳 Transport category selected |
 Citi Rewards | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online ❌ Mobile wallet excluded (Apple Pay or Google Pay, even online ones, do not work) |
 DBS Woman’s World Mastercard | 4 miles per dollar | S$1,000 spend (4,000 miles) | 🌐 App/online |
 StanChart Journey | 3 miles per dollar | S$1,000 spend (3,000 miles) | 🌐 App/online |
 KrisFlyer UOB | 1.2 to 3 miles per dollar³ | Uncapped | 🌐 App/online 💲Minimum spend of S$1,000 per year on Singapore Airlines Group 🚕 CDG ZIG booking with Kris+: 3 miles per dollar with no min spend |
- HSBC Points convert sub-optimally to KrisFlyer miles; see transfer calculator for details
- Earn rate depends on account balance in UOB Lady’s Account
- 2.4 miles per dollar with min. spend of S$1,000 on Singapore Airlines Group transactions within membership year; 3 miles per dollar on CDG ZIG bookings via Kris+ (with no min. spend required)
Get extra rewards with these apps
Here are a few apps that can give you extra rewards. Note that some of them may have a different MCC, so change your card accordingly.
| App | Ride-hailing Service | Bonus Rewards | Remarks |
|---|---|---|---|
 yuu App | GoJek | 1 yuu Point per dollar | 📲 Add yuu ID in GoJek app |
 Kris+ |  CDG Zig | 0.5 KrisPay miles per dollar | 📲 Book ride through Kris+ app |
 ShopBack |  Tada | 1.2% cashback | 💲 Buy vouchers through Tada’s Shopee page 💳 MCC is 5262 |
 HeyMax |  Ryde Grab Tada | 2.7 to 4 Max Miles per dollar | 💲 Buy vouchers/gift cards for use in ride-hailing service app 💳 MCC is 5311 |
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Seth Wee was a licensed financial adviser representative from 2009 to 2025, with over 16 years of experience in Singapore’s financial advisory industry.
He started Sethisfy.com in 2019 to share practical insights on credit cards, banking products, and miles strategies, helping readers identify financial products that deliver the best value. Seth has been featured in CNA, Channel 8, Today, and a host of other publications. In 2025, he was also part of a panel at CPF’s Ready For Life festival.
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