Hey Anon, after VISA revised the MCC for Grab a few months back, I've completely stopped using the Grabpay card. The reason being that the cashback earned from my student credit card outweigh the grab points/value of rewards. After Grab revised their rewards scheme at the start of this year, you will either earn 2 points (Member/Silver), 3 points (Gold), or 4 points (Platinum) for every dollar spent. Looking at the rewards store, the average amount of points needed to exchange for a $5 voucher is 2,500. Assuming that you're a platinum member, you'll have to spend $625 in order to accumulate sufficient points for a $5 voucher. 4 points - $1 spent 2500 points - $625 In my case, I'm using the Maybank eVibes and DBS Live Fresh student credit card which offers 1% and 0.3% (default) cashback respectively. With the eVibes card, I just need to spend $500 to get $5 cashback, as compared to $625. Not to mention, DBS occasionally has some promotions which offer higher cashback. For instance, I was getting 8% cashback on my DBS Live Fresh card for the past 2-3 months because of their "Go Online Go Contactless" Promotion. Basically, if the perks of a student credit card outweigh the grab points, I suppose an adult credit card would far outweigh the grab points even more. TL;DR Yes, CC cashback outweighs the grab points and I suggest you use your CC instead.