Responsible Spending

Building responsible behaviours with you

Enjoy the flexibility to spend, with features that help keep you from overspending.

As PayLater empowers consumers with the freedom and flexibility to pay, we’ve also put important efforts in place to enable and encourage healthy spending habits.

We personalise your spend limit

So you can keep your spending under control

Looking at many factors—including how long you’ve been on the Grab platform and how much you’ve spent on Grab—we set an appropriate PayLater available amount for you to use.

Features to help you stay on top of your finances

Automatic repayments

Set up automatic deductions to enable repayments from your GrabPay balance or linked card, it’s virtually impossible to miss a bill this way. So you can continue to enjoy PayLater, completely free.

Track your spending at a glance

See your available amount, payments due, upcoming payments, and more at a glance on the PayLater home screen. Plus, if you use PayLater on Grab services, you’ll receive a consolidated monthly bill to help you track and manage your spending on Grab.

Transparent communication at every step

Receive updates each time you make a transaction, when a repayment is successful, when you can expect your refund, and more. We do this so you’re always in the know.

We prevent any snowballing debt

We don’t charge any interest or fees to use our service

You’ll only be charged a flat RM10 fee if you miss a repayment. Upon which, your account will also be temporarily deactivated to prevent you from spending more. This keeps you in control of how much you owe, which also means things won’t snowball.

Not on PayLater yet?

Activate PayLater in your Grab app now and embrace the freedom of having 2 ways to pay—either next month in one bill or in 4 monthly instalments.

Enjoy 9% (RM8) Rebate at
AEON

  • Valid from 15 Jan 2022 – 28 Feb 2022
  • Minimum spend: RM88
  • Limited to 62,500 redemptions 
  • TWO(2) redemptions per user throughout the campaign

1. Campaign period is from 15 January 2022 (12:00am) – 28 February 2022 (11.59pm).
2. GrabPay users are eligible for a “RM8 rebate” in your “My Rewards” when you spend a minimum of RM88 on a single receipt via GrabPay Wallet.
3. The offer of “RM8 rebate” is limited to a total of 62,500 redemptions throughout the campaign period.
4. Offer is valid for TWO (2) in-store redemptions with a cap of ONE(1) redemption per user per day throughout the campaign. Shared across AEON Co, AEON BiG, AEON MaxValu Prime, and AEON Wellness throughout the campaign period. 
5. The “RM8 rebate” will be awarded instantly with a minimum transaction of RM88 with GrabPay at all outlets of AEON Co, AEON BiG, AEON MaxValu Prime, AEON Wellness; The rebate can be found under “My Rewards”. Rebate must be redeemed by clicking “use now” under “My Rewards” 30 days from the date of issuance.
6. The campaign will cease once all redemptions have been fully awarded or at the expiration of the campaign period, whichever is earlier.
7. Offer is based on a first come first served and while stocks last basis only.
8. Grab and AEON Group shall not be under any obligation to inform users, on any communication channels once the offer has been fully redeemed.
9. Offer is only available for AEON Co, AEON BiG, AEON MaxValu Prime, and AEON Wellness physical stores purchases at cashier counter only via GrabPay Wallet; offer is not applicable for online or GrabMart purchases.
10. Offer is not exchangeable for cash or replacements.
11. Offer is not valid with any other voucher, discount or promotion.
12. Grab and AEON Group reserve the right to alter, extend or terminate the promotion, or amend the terms and conditions at its sole discretion at any time without prior notice. In case of any disputes directly or indirectly arising from the promotion, the decision of Grab and AEON Group shall be final.
13. These terms and conditions shall be governed by the laws of Malaysia and any dispute arising out of or in connection with promotion shall be referred to the exclusive jurisdiction of courts of Malaysia.
14. This rebate is non-transferable to any party.