Which is better, topping up grabpay with credit card or paying directly with credit card?

Does your credit card 'recognises' or awards you the usual credit card incentives for grabpay wallet top up?

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If answer is Yes, stacking with grabpay is a no-brainer (eg Citi True Cashback +)

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If answer is No, depends whether grabpoints gained from transaction is worth more than your credit cards incentives.

Hi, there is actually an answer to your specific question and similar questions like these. Basically, you can key in the merchant "Grabpay" in the search field in www.whatcard.sg. In that site, you can see the rewards offered by the various credit cards, to optimize your cashback/rewards! I did this for your question, and the result is: Amex Ascend has the best miles reward (3.2mpd), and HSBC Advance has the best cashback (2.5%, subject to you hitting S$2k spending that month) for Grabpay.