HeyMax has partnered with Chocolate Finance to award you with Max Miles on their Chocolate Debit Visa card (also known as Chocolate card).

We’ve partnered with Chocolate Finance to offer you 2 Max Miles for every S$1 spent on almost anything, anywhere, up to your first S$1,000 spend each month on Chocolate Visa Debit Card. After that, you’ll keep earning 0.4 Max Miles per S$1. Whether you're spending locally or overseas, you’ll be collecting rewards with almost every tap when you pay with your Chocolate Visa Debit Card!

Learn more about the Chocolate Visa Card here.

You may find out more about Chocolate Finance on their website at : https://www.chocolatefinance.com/. Chocolate Finance support is available at Chocolate Finance app

In the Chocolate Finance app,

Proceed to the HeyMax app,

Kindly try to verify your Chocolate Visa Debit Card again as follows

In the Chocolate Finance app,

Proceed to the HeyMax app,

If your Chocolate Visa Debit Card is not frozen/is active and has a balance of SGD 1 or greater, but you’re still seeing one of these error messages, here’s what it means:

No, you will not earn Max Miles for transactions on your Chocolate card before linking to HeyMax. You will only earn Max Miles after the time of linking your card with HeyMax.

If you unlink your card with HeyMax, you will stop earning Max Miles. However, you will retain the Max Miles you've earned so far.

Each HeyMax account can only have one linked Chocolate Card. If you unlink your Chocolate Card and link a card again, the remaining bonus spend will not be reset.

The bonus cap of SGD $1,000 will apply for every HeyMax account.

If you've replaced your Chocolate card, please unlink the card from HeyMax, apply for a new Chocolate card on Chocolate Finance and link your new Chocolate card to HeyMax. Your bonus cap of SGD $1000 will not be reset.

HeyMax triggers the refund immediately after the verification is complete. However, it will take up to 14 days for the refund to be reflected on your Chocolate Finance account balance.

You earn 2 Max Miles per SGD spent on your first SGD $1,000 spent each calendar month. After hitting the spending cap, you will earn 0.4 Max Miles per SGD without limit on card spend.
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You will earn 2 Max Miles per SGD spent on your first S$1,000 spent each calendar month, and 0.4 Max Miles per SGD thereafter on relevant MCCs.
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From 1 March 2025, 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 8.44 * 2 = 16.9 Max Miles (rounded up from 16.88).

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.

2 Max Miles per SGD cap resets to $1000 on the first day of each calendar month. Any unused balance will not carry over to the next month.

Your Max Miles will be tracked as pending as soon as the payment is charged to your card. Once the payment has settled, typically within 7 to 10 days, the Max Miles will be awarded and available on your HeyMax account.

If your Chocolate card transaction gets refunded, the corresponding Max Miles transaction will be rejected or deducted.

In the case of a partial refund, only the proportional amount of Max Miles will be deducted.

Almost all payments using a HeyMax-linked Chocolate card are eligible to earn Max Miles.

However, Chocolate Visa Debit card transactions at the following merchants and Merchant Category Codes (MCC) are excluded from earning Max Miles.

At the following merchants

At the following MCC:

Please note, this list may be updated periodically at Chocolate Finance and Heymax's discretion. Chocolate Finance and HeyMax reserve the right to exclude certain merchants or merchant categories at their sole discretion.

Chocolate Debit Card can no longer be used as a credit card payment mechanism on AXS. For more details, please review this article in Chocolate finance FAQ: https://www.chocolatefinance.com/faqs?id=can-i-use-the-chocolate-visa-debit-card-on-axs&category=chocolate-card

The HeyMax and Chocolate Finance partnership is intended for personal use and transactions only. HeyMax and Chocolate Finance reserve the right to monitor and review transactions for any activity that appears unusual, suspicious, or inconsistent with typical personal usage patterns. This includes business transactions. If a transaction is flagged as potentially fraudulent or non-compliant with our policies, it may be declined or subject to further investigation. Any Max Miles issued from such transactions will be clawed back.
For more details, please review the HeyMax Terms and Conditions.

You will not earn Max Miles on your Chocolate card transaction in the following cases:

If none of the above apply, you may reach out to HeyMax support with Chocolate card Max Miles support ticket.

2 Max Miles per $1 is only awarded up to SGD $1000 in a calendar month. This includes transactions that have not been approved yet and are still in pending. If you notice your Chocolate card transaction spend is less than SGD $1000 in the calendar month, you may reach out to HeyMax support with Chocolate card Max Miles support ticket.

A temporary authorisation hold (usually $1) may be placed on your Chocolate card by a merchant or payment vendor to verify that your account is active and has sufficient funds. Max Miles may be awarded when this hold is applied, but once the hold is released or reversed, the awarded Max Miles will also be reversed.

Yes, you will earn Max Miles on the equivalent SGD amount based on the Visa foreign exchange rate at the time of transaction. For foreign currency transactions, there may be slight discrepancies in the SGD amount shown on HeyMax as opposed to Chocolate Finance app due to the different exchange rate provider we use to calculate the spend. We are working on switching to the same provider so that we can display a more accurate amount.

In the meantime, if there are big discrepancies with the amount of miles you should be issued, please prompt the user to contact human.

Max Miles is operated by HeyMax. Max Miles is the most versatile travel reward currency globally, transferrable to 27+ airline and hotel partners, and redeemable for free flights or gift cards

Max Miles do not have a fixed value, but can be redeemed in a variety of ways:
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1. Transfer at 1:1 ratio to 27 (and growing) airline and hotel partners, with no fees. Depending on your redemption with our partners, this could be worth up to 4-8 cents per mile!
2. Redeem for any flight booking from the airline or booking platform of your choice via our FlyAnywhere program, at 1.8 cents per mile.
3. Redeem for vouchers and gift cards at popular brands.

No, Max Miles do not expire.

Max Miles are not transferrable between HeyMax accounts.

Please reach out to support on Chocolate Finance app regarding issues with your Chocolate Finance account. Thank you!

Please reach out to support on Chocolate Finance app regarding issues with your Chocolate Finance account. Thank you!

Please reach out to support on Chocolate Finance app regarding issues with your Chocolate Finance account. Thank you!
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No worries — we’ve got you! When you enter your card details, we send them to VISA for verification. This usually happens quickly, but sometimes it can take a little longer, which might trigger one of these messages:

We’re on it! Our team is working to sort this out and get your card linked within XX days. Thanks for your patience!