If you always reload your GrabPay eWallet account via credit card, take note that a new fee will be introduced very soon. According to Grab, they are imposing a 1% fee for GrabPay top-ups via credit card from 11th September 2024. However, their co-branded Maybank Grab Mastercard Credit Card will be exempted from the top-up fees for now.
Grab charges 1% top-up fee for credit card reloads
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The latest announcement shouldn’t come as a surprise as other eWallets have introduced similar charges for credit card reloads. In 2022, BigPay started charging a 1% fee for reloads made with locally-issued credit cards and a 3% fee for reloads made with foreign-issued credit cards. Early this year, Touch ‘n Go eWallet followed suit by imposing a 1% convenience fee for all credit card reloads.
So if you reload RM100 via credit card, you will be charged RM101 inclusive of the 1% top-up fee.
How to reload GrabPay Wallet without top-up fees
However, there are still other options for GrabPay Wallet users to reload their eWallet without incurring any top-up fees. This includes Debit Cards, Bank Transfers and GX Accounts. As mentioned earlier, reloads with Grab Mastercard Credit Card are still exempted from the 1% fee after 10th September 2024.
In case you didn’t know, eWallet providers have been absorbing the transaction fees for credit card reloads. There are only a handful of eWallets in Malaysia that can accept credit cards as a reload channel and the feature has been abused for easy cashout without incurring cash advance charges from their credit cards.
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The other eWallet provider that still accepts credit card reloads is Boost. Since 15th March 2024, Boost eWallet users can reload via credit card for free up to a limit of RM1,000 per month. Once you’ve exceeded the limit, Boost will impose a 1% Convenience Fee for any credit card reload transaction exceeding RM1,000 for the period.