Take Note: Chocolate Card usage temporarily limited to S$250 per transaction

Suitesmile rating:

✍️ Short summary
In collaboration with HeyMax, this card gives you an earn rate of 2 miles per dollar on almost everything, up to $1,000 per calendar month. Cardholders also enjoy great foreign exchange rates and no foreign currency fees. Transactions beyond $1,000 per month earn 0.4 mpd.

As a Debit card, it has no income requirement, making it perfect for students (above 18 yrs) and retirees who are looking to accumulate miles. This card also does not have an annual fee.

This is a great card for all foreign currency spending, as well as transactions that are commonly-excluded from earning miles/cashback on other cards. This includes:

• Insurance
• Hospitals
• Utilities
• Road Tax, Season Parking, Traffic Fines
• Public Transport
• School Fees

Link to HeyMax: To earn miles on the Chocolate Card, you need to sign up for a free HeyMax account and link your card to your HeyMax account (in the HeyMax app or website).

Limitations of the Chocolate Card: As this is a Debit card, all spending on the card will be deducted directly from your Chocolate Account balance. Yes, you need to have sufficient money in your account before spending on the card. There are transaction limits of S$5k per transaction, S$20k per day. The Chocolate Card is protected by Visa’s Zero Liability Policy, which guarantees that you won’t be held responsible for unauthorized charges made with your card or card details. For better peace of mind, you may freeze the Chocolate Card in the app when not using.

Having no annual fee, no income requirement, no foreign currency fee, no transfer fee and miles that never expire makes this a great card for miles chasers in Singapore; but only those who are aware of the benefits of Frequent Flyer Programs other than KrisFlyer.

Due to the low earn rate, this is not a good card for SGD spending on common categories like dining, groceries, online shopping, food delivery etc.

Read our detailed article on the Chocolate Card.

---

💸 Annual fee
No annual fee, ever

💼 Income requirement
No income requirement

🤑 Foreign currency fee
No foreign currency fee

⏰ Miles expiry
Max miles don’t expire

🫱‍🫲 Transfer partners
Executive Club, Aeroplan, Accor, Hyatt and more!
^{(Note: Max miles cannot be transferred to KrisFlyer)}

💯 Transfer ratio
1 Max mile = 1 mile/point

🧮 Transfer block
1,000 miles or 10,000 miles

💲Transfer fee
Free

❓How/When miles are credited
Miles are credited immediately when the transaction is posted.

📜 Chocolate Card FAQs