Application wise not the easiest. Grab has a very obscure way/algorithim to determine their selection of cliente for their different services; be it paylater, grabpay or even for the grabpay physical card (yes, you read that right, grab pay & the physical card doesnt go hand in hand in case you don't know it yet..)
So the USP for the GP digital card was that it's supposedly more secure because you don't have a physical card to lose + you can only access the detail on the grab app itself. Which is cool; except when you express your interest, platinium members don't get to try first.
Yes, I've got non-platinium members who were granted access first and it just creates confusion like who's the supporter here and what's the logic here? When they mention to express interest for the physical card, I applied almost immediately once the notice is out and again, it has been months and nope, I haven't got any card in my mail yet.
So what has Grab been doing? IDK. Because it seems even their own employees sometimes have misinformation about their own internal policies (regarding paylater which is another separate story altogether in which I contacted Grab to ask why and how to gain access and they couldn't answer the criteria to get invited.)
So that's a 3 for application and a 2 for CS.
The user experience for Grabpay has been positive so far, I've been able to use it for online purchases and to gain reward points in the process. However, given that Grab has drastically devalued their reward point system and the fact that they are exercising their influence by monopolizing the industry; one can say for certainty that the rewards point is no longer valuable and therefore, you have very little incentive to apply for grabpay. Especially the fact that it is not linked with grabpay later but rather a debit card sortof; where you need to have sufficient value in your grabpay wallet in order to get the transaction approved.
I've put 4 star for user experience but if you ask about overall value; it'd be a 3. There's no point agonizing whether or not to apply for grabpay if you haven't since it doesn't gives much value these days.