You will earn 1 Max Mile per SGD spent on your first S$1,000 spent each calendar month, and 0.4 Max Miles per SGD thereafter on relevant MCCs.
(Note: Bill payments earn miles too, but are capped at 100 miles per month)
Max Miles earned on valid transactions will be calculated on a transaction basis and rounded up to the nearest 1 decimal point. Transactions below $0.50 will not earn Max Miles on the Chocolate card.
Example: If you make a payment of S$8.44 with a merchant with a non-blacklisted MCC, you would earn 8.5 Max Miles (rounded up from 8.44).
The S$1,000 bonus spend cap applies at a account level, so linking a different or multiple Chocolate Finance cards to your current HeyMax account will not reset the bonus spend cap.
Each month, you will also receive a Miles Multiplier of up to 2x based on your average monthly balance in your Chocolate Finance account! The more you save, the more every dollar you spend rewards you:
Balance range | Miles Multiplier Boost |
S$0.00 to S$4999.99 | No bonus (1x) |
S$5,000.00 to S$10,999.99 | 5% |
S$10,000.00 to S$14,999.99 | 10% |
S$15,000.00 to S$19,999.99 | 15% |
S$20,000.00 to S$24,999.99 | 20% |
S$25,000.00 – S$29,999.99 | 25% |
…. | …. |
S$95,000.00 – S$99,999.999 | 95% |
>S$100,000.00 | 100% |
The Miles Multiplier will be credited to your HeyMax account within the first week of the following calendar month.