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 1 mile per dollar on almost everything, up to S$1,000 per calendar month.

1 mpd can be earned on the following transactions, but capped at just S$100 worth of spending per month (collectively):

• Medical & Health
• Government Services
• Utilities
• Real Estate & Property Management
• Insurance
• Business Services (incl. points.com transactions)

Cardholders also enjoy great foreign exchange rates and no foreign currency fees. Transactions beyond $1,000 per month earn 0.4 mpd.

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, many useful transfer partners and miles that never expire is great, but earning 1 mpd with a S$1,000 monthly cap gives you a maximum of 1,000 Max Miles per month, and only 12,000 per year. This is NOT a meaningful amount of miles to accumulate for flight redemptions.

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💸 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!

💯 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