Why did I not receive my rewards?

There are a few common reasons why your rewards might not have been credited:

Minimum Spend Not Met: To unlock your Base Cashback, you need to meet a minimum aggregate spend of S$500 on eligible transactions within your monthly billing cycle

Excluded Categories: Certain transactions, such as wallet top-ups, remittances, and gambling, are excluded from earning rewards and do not count toward your minimum spend. Do refer to the Rewards T&Cs for the full list of exclusions. 

Using Third-Party Payment Apps on Grab: To earn GrabCoins, your card must be linked directly to your Grab account. If you add your GXS Credit Card to a third-party account like PayPal or Alipay and use that to pay on Grab, the transaction will not qualify for GrabCoins. It will be treated as general off-platform spend, meaning you will still earn Cashback on it, provided you meet the S$500 minimum spend condition.

Please note that cancelled, refunded, or disputed transactions will reduce your monthly spend total. If your total falls below the minimum requirement, you may lose your eligibility for higher tiers or off-Grab cashback.