Grab PayLater

Am I eligible for PayLater?

Grab users who are eligible for PayLater should be

1. 21 years and older
2. Platinum, Gold or Silver GrabRewards tier member, and
3. Have used either cash, credit or debit card for at least 3 Grab transactions in the recent month.

If you’re eligible for PayLater, you’ll be able to activate it in-app, or simply launch your Grab app, tap on Payments, tap on Enjoy Now and Pay Later under Explore GrabPay.

If you don’t see the PayLater option, we’re unfortunately unable to offer this service to you just yet. All approvals are subject to our internal review.

We are working towards providing the PayLater service to more users soon. Stay tuned!

Will I get GrabReward points if I pay using PayLater?

An easy way to track if you’re earning GrabRewards points for your selected Grab payment method is to check it during the checkout flow. GrabRewards points is awarded for every PayLater Postpaid transaction.

While PayLater Instalments does not currently award any GrabRewards points, you can look out for our various exciting promotions and merchant offers for great value at our merchant directory.

Is there a cost to using PayLater?

PayLater is a free service offered by retailers to you – there are no upfront fees charged or any interest accrued.

The only fee that may be incurred is admin fee to reactivate your suspended account. Your PayLater account may be suspended if you have overdue PayLater bill and you do not make any payments after being notified by us.

How is PayLater different from banks’ IPP/EPPs and credit cards?

PayLater is an alternative to traditional financial services as it provides consumers with interest-free payments over 4 instalments or at the end of the month. No interest means consumers will never pay more than the amount of their purchase as long as payments are made on time.

Rolling interests on late payments can run up a hefty sum. As a financial provider focused on sustainable services for our consumers, PayLater only charges a flat admin fee to reactivate PayLater account which has been suspended due to non-payment of PayLater bill(s)

What is the full Term and Conditions?

PayLater is offered to consumers pursuant to a tie-up between Grab and merchants. As part of such tie-up, the merchants will grant the consumers deferred payment terms and Grab will purchase the sums that the consumers owe to the merchants.

See full Terms and Conditions here. 

What can I find more help?

We have a comprehensive library of help articles here to cover any questions you may have.

How does PayLater work for consumers?

Find out more here.

I have more questions, where can I get help?

Find a comprehensive library of help articles in our Help Center.