Correct, best value for effort!Capitastar points is better as it rewards in terms of points, not cash value .....
The "normal rate" is 5000 Capstar points = $5 voucher, but if you are Passion Card holder and registered with Capitastar as such, you can use 4500 pts to redeem $5 worth of e-voucher (max of 2 per month) ....
So for the Grab current sale, 2125 Grab pts = 5000 Capstar pts is already 15% off the "regular rate" of 2500 Grab == $5 .... and if are Passion member, 4500 Capstart pts to get $5 e-voucher, that's another 10% off the non-member rate ...... that is why I always for for Capstar pts .....
Whatever balance, just continue using at places that only accept SG-QR or Grab-QR, you can probably earn enough for another 5000 Capstar pts within a few months .....
Today I tried to earn another 2k pts from the new challenge but failed to get "free" money! Bye bye, no last chance at grabpay card liao! No last capitastar voucher with my balance of 130pts!