Grab Power Up Challenge December 2021
December represents the last Grab Power Up Challenge for the year!
I did not receive a Challenge this time, and it’s ostensibly because my annual spending limit is almost reached:
I’m not alone on this as quite a few people have reported not receiving a Challenge this month, although others have said they did even when their spending limit is almost reached. It’s rather unfortunate as I had planned to clock my challenge across this month and January of the new year once my spend limit is reset.
Reward tiers
Changes: no discernible change
| Top-up Amount | Number of Transactions | Spend Amount | Reward | Spots |
| $100 | 5 | $100 | 2,500 points | 12,000 |
| $300 | 10 | $250 | 5,000 points | 7,000 |
| $600 | 15 | $500 | 7,500 points | 3,000 |
| $800 | 15 | $750 | 10,000 points | 1,500 |
| $1,100 | 20 | $1,000 | 12,000 points | 1,500 |
| $1,600 | 20 | $1,500 | 15,000 points | 1,500 |
| $2,100 | 25 | $2,000 | 20,000 points | 4,500 |
Tap here on your phone to opt in your Challenge, and let me know if you have any info that is not reflected in the above table.
Little has changed since last month, and the reward tiers are seemingly unchanged from November’s challenge.
Exclusions
Changes: no discernible change
Note that the terms and conditions exclude transactions of the following merchant 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
Earn rates
Changes: no discernible change
| Spend Amount | Reward | Rebate Amount | Rebate Percent |
| $100 | 2,500 points | $5 | 5% |
| $250 | 5,000 points | $10 | 4% |
| $500 | 7,500 points | $15 | 3% |
| $750 | 10,000 points | $20 | 2.67% |
| $1,000 | 12,000 points | $24 | 2.4% |
| $1,500 | 15,000 points | $30 | 2% |
| $2,000 | 20,000 points | $40 | 2% |
These are on top of your base Grab earn rate, which range from between 3 to 6 points per dollar spent (0.6 to 1.2% rebate). Grab points can be boosted with things like SP GreenUP and waiting for sales.
You also get 1.5% or 1.7% cashback when you top up with certain cards (see below).
This means your total earn rate can be as high as 7.9% (5% Power Up rebate + 1.2% base rebate + 1.7% top-up cashback).
Stacking with other promos
You can, as with previous months, stack this promo with GrabPay Accelerator that gives bonus 4 points per dollar spent on groceries, fitness memberships, streaming services, software, app, e-book purchases, dining/takeaway meals, and telcos.
More notably, if your transaction is online, you can stack it with the rather generous Christmas Booster Grab is giving daily until Christmas Day itself which gives as much as 50 bonus points per dollar spent. This month’s Grab challenge is particularly rewarding because of these additional points represent at least 10% rebate on top of the earn rates above.
Cards to top up Grab
Get 0.3% cashback on Grab top-ups with the UOB Absolute credit card.
Last promos of 2021?
Grab’s email in October forecasted the boosters for the rest of 2021, and it seems likely that this Power Up Challenge and Christmas Booster would be the last couple of promos for this year.
Here’s hoping that the Challenges and Boosters continue into the new year!
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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