The Amaze card has gone through multiple nerfs in the past 3 years. Despite the endless turbulence, I still see it as a must-have card in Singapore.
Let’s have a look at the best miles and cashback cards that are made better by Amaze in 2025.

Key points to note about the Amaze card
- Link up to 5 Mastercards (no Visa cards!) in the Instarem mobile app
- Choose 1 of those cards before your next Amaze transaction
- All Amaze transactions will be charged in SGD, directly to the linked card
- All Amaze transactions will be seen as online transactions by the linked card
- All Amaze transactions will retain the actual Merchant Category Code (MCC) and will be seen by the linked card
- UOB, DBS/POSB and DCS cards do not award miles/points for Amaze transactions
- Amaze avoids Dynamic Currency Conversion (DCC) fees
- Amazes foreign currency spread currently stands at around 2%, resulting in an FX loss that is ~1% lower than Singapore credit cards
- When Amaze is linked to a card, all SGD spending in excess of S$1,000 per month will incur a 1% fee
Best Miles cards to pair with Amaze
Let’s start with miles/rewards cards.
1) Citi Rewards
The Amaze card has been supercharging the Citi Rewards card since it first launched in 2021. The biggest benefit of using this card through Amaze is that all in-person transactions are seen as “online”, earning the cardholder 4 miles per dollar (mpd).
Usual benefit without Amaze
โข Earn 4 mpd for online spending (except travel-related)
Benefits with Amaze
โข Earn 4 mpd for online spending (except travel-related)
โข Earn 4 mpd for in-person spending (except travel-related) like dining, groceries, fuel and shopping
โข Save about 1% in foreign currency loss (2% vs 3.25%)
โข Avoid 1% DCC fee (e.g. Spotify)
โ๏ธ What is DCC?
In a nutshell, Singapore credit cards charge a 1% Dynamic Currency Conversion (DCC) fee whenever a transaction is charged in Singapore Dollars, through a payment gateway that is located overseas. Yes, this is very much a junk fee.
2) OCBC Rewards
An Amaze linkage improves the OCBC Rewards card, though not as significantly as the Citi Rewards card.
Usual benefit
โข Earn 4 mpd for online/offline shopping
Benefit with Amaze
โข Earn 4 mpd for online/offline shopping
โข Save about 1% in foreign currency loss (2% vs 3.25%)
โข Avoid 1% DCC fee
Best Cashback cards to pair with Amaze
Now, let’s have a look at the best cashback cards that can be paired with Amaze.
3) Citi Cash Back
An Amaze linkage improves the Citi Cash Back card when spending on the bonus categories, in a foreign currency.
Usual benefit without Amaze
โข Earn 8% cashback on petrol & ride-hailing, 6% cashback on dining & groceries
Benefits with Amaze
โข Earn 8% cashback on petrol, 6% cashback on dining & groceries*
โข Save about 1% in foreign currency loss (2% vs 3.25%)
โข Avoid 1% DCC fee
*Using the Amaze card for ride-hailing will not earn 8% cashback on this card, as the system looks for exact transaction description instead of MCC.

Citi Cash Back
Get 8% cashback on ride-hailing & petrol, 6% cashback on dining & groceries
๐ Sign-up bonus
4) Maybank Family & Friends
An Amaze linkage improves the Maybank Family & Friends card when spending on the chosen categories, in a foreign currency (other than MYR and IDR).
Usual benefit without Amaze
โข Earn 8% cashback on 5 bonus categories
Benefits with Amaze
โข Earn 8% cashback on 5 bonus categories
โข Save about 1% in foreign currency loss (2% vs 3.25%)
โข Avoid 1% DCC fee