You can use Show
with gridlines specs combined with Method -> {"GridLinesInFront" -> True}
:
img = ExampleData[{"TestImage", "Lena"}];
Show[img, GridLines -> {Range[0, #, #/10], Range[0, #2, #2/5]} & @@
ImageDimensions[img], GridLinesStyle -> Directive[Thick, Red],
Method -> {"GridLinesInFront" -> True}]

You can also use PlotStyle->Texture[img]
with, say, RegionPlot
:
RegionPlot[0 <= x <= 1 && 0 <= y <= 1, {x, 0, 1}, {y, 0, 1},
PlotStyle -> Texture[img], PlotRangePadding->0,
GridLines -> {Range[0, 1, .1], Range[0, 1, .2]},
GridLinesStyle -> Directive[Thick, Red], Frame -> False,
Method -> { "GridLinesInFront" -> True}]

Finally, you can use Mesh
instead of GridLines
:
RegionPlot[0 <= x <= 1 && 0 <= y <= 1, {x, 0, 1}, {y, 0, 1},
PlotStyle -> Texture[img], Mesh -> {9, 4},
MeshStyle -> Directive[Thick, Red], Frame -> False]
