PayLater by Grab now comes with even more rewards!🤩

New perks are here to give you greater value every time you shop⬇️

Here’s how you can earn more rewards with PayLater

Looking for better deals when shopping online?

Why PayLater?

Get what you want now, pay for it later

PayLater is here to bring you what you want when you want it, making payments for life’s pleasures easier, more rewarding and stress-free.

PayLater, the smart way to pay for life’s many pleasures

2 ways to PayLater

Pay in 4, 8 & 12 instalments

Enjoy the flexibility to choose the plan that works best for you and receive up to 2x back in GrabCoins

Pay the next month

Track your monthly spend and pay for it all in one bill and get GrabCoins at the same time!

*Available for use on Grab services too (e.g. Grab rides, GrabFood orders and more)

Brands you (will) love

Use PayLater for Grab services, online shopping and when you shop offline at our PayLater partner merchants, on brands you love like Secretlab, FashionValet, and many more.

It is completely transparent.

Know everything that happens

Get updates every step of the way. From when a transaction has been made to when a payment is successful. Made a refund in-store? We’ll let you know when you will get your money back.

No hidden charges

There’s only one charge if you miss a scheduled payment, and that’s a flat RM10 Late Payment Charges to reactivate your suspended PayLater account.

It prioritises your privacy and security.

Keep your credit card
number safe

Keying in sensitive credit/debit card details on multiple websites leaves you at risk of fraudulent transactions. With PayLater, you only need to check out with your mobile number no matter which store you are shopping at.

We confirm it's you who's shopping

We verify every of your transactions with a One-Time Password (OTP) sent to your mobile.

It's super simple to use.

Because the joy is in receiving your parcel, not paying.

Check out in 3 taps

There’s no need to memorise anything. Simply choose to checkout with Grab, key in the OTP sent to your mobile and select PayLater as your payment method. Done!

Pay seamlessly

You can automate deductions from your GrabPay balance or linked card, which makes it virtually impossible to miss a payment, and keeps you from incurring any admin fee.

Yours in 2 minutes

PayLater is designed for easy registration, so you won’t need to apply or send us more documentation to start using it. If you’re an existing Grab user, you’re most likely able to access PayLater almost immediately.

Here’s how to activate PayLater & start enjoying rewards!

Tap on the ‘Finance’ tab. Choose ‘PayLater’.

Verify your identity, set a Grab PIN, and link a card.

Frequently asked questions

Understanding PayLater Terminology

What does “Interest Rate” mean?

The term “Interest Rate” refers to the charge applied for using PayLater to split your payments into installments. This charge compensates for the cost of providing the PayLater service.

What are “Late Payment Charges”?

“Late Payment Charges” are fees incurred if you fail to pay your installment(s) on time. These charges encourage timely payments and cover administrative costs related to overdue accounts.

The terminology change does not affect the amount charged. The fees/rate remain the same; only the names are being updated for clarity. Your current PayLater plan and agreement remain unchanged. The updates only affect the terminology used to describe the charges.

Am I eligible for PayLater?

Grab users who are eligible for PayLater should be

You’re aged 21 years or over
Your account has been fully verified
Your Grab app has been updated to the latest version.

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 GrabCoins if I pay using PayLater?

Yes, you will get up to 1X GrabCoins per RM1 spent for every PayLater transaction (both Instalment and Postpaid).

Find out more about the GrabCoins you can earn here.

Look out for our various exciting promotions and merchant offers for great value at our merchant directory.

*With GrabUnlimited

Is there a cost to using PayLater?

PayLater Postpaid and PayLater Instalments in 4 monthly instalments have no upfront cost and no processing fee.

We have launched extended flexibility options of 8 and 12 monthly instalments for selected PayLater users starting from October 2024. There will be a Interest Rate of 1.5% of the total transaction amount per instalment for the 8 and 12 monthly instalments options.

Do note that if you do not pay any of your PayLater bills on time, a Late Payment Charges of RM10 will be charged for each missed payment.

PayLater fees and charges

PayLater by Grab offers several payment options with different fee structures (latest changes starting December 2025):

What are PayLater by Grab VIP Brands?

We have partnered with a select group of VIP brands who are dedicated to making your shopping experience the most rewarding it can be.

These top brands offer you our best available rewards and provide the most attractive shopping deals for you.

Pay in 4 instalments are interest-free for VIP brands so look out for that at your checkout page! Alternatively you can also find them easily in the “Shopping” tile on the home page of your Grab app.

I have more questions, where can I get help?

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

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

Terms and Conditions

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.