I. Singapore's Dual-Power Tool for Finance + Travel Rewards Debuts

In 2025, Singaporean fintech platform Chocolate Finance and travel rewards optimization app HeyMax have joined forces to launch a revolutionary "spend-to-earn miles" solution. Whether you're a daily commuter, cross-border shopping enthusiast, or seasoned traveler, the seamless integration of the Chocolate Visa card and HeyMax lets you turn every transaction into lifetime-valid Max Miles, easily redeemable for flights, hotels, or even cashback. Below is a comprehensive guide from core features to practical tips, helping you master miles management.

II. Core Features of the Two Platforms

1. Chocolate Finance: High-Yield Finance + Zero-Fee Spending

As a MAS-regulated provider, Chocolate Finance offers:

• High-interest savings account: 3.6% annual interest on the first SGD 20,000; 3.2% on the next SGD 30,000, with no lock-in period or management fees.
• Chocolate Visa card:
  • Zero foreign exchange fees: Global spending settled directly in SGD, eliminating over 3% cross-border transaction costs.
  • Instant risk control: Freeze/unfreeze your card with one tap via the app to secure funds.
  • Multi-scenario coverage: Supports online shopping and overseas spending, but not ATM withdrawals.

2. HeyMax: AI-Powered Rewards Optimization Hub

As an official Visa partner, HeyMax leverages AI algorithms to deliver:

• Smart card recommendation: Automatically matches the best card for transaction types (e.g., dining, shopping, transport) to maximize miles earnings.
• Multi-channel miles accumulation:
  • Spend-to-earn miles: Earn Max Miles directly via Chocolate Visa spending.
  • Daily activity rewards: Bonus miles for SMRT commutes, restaurant bookings, gift card purchases, etc.
• Lifetime valid miles pool: Max Miles never expire, adapting flexibly to changing travel plans.

III. Core Partnership Mechanism: How to Earn Max Miles Efficiently

1. Tiered Spending Reward System (Effective July 2025)

Practical Cases:

• Daily commuters: SGD 200 monthly SMRT spending earns an extra 5 miles; combined with spending rewards, total miles easily exceed 1,000+.
• Cross-border shoppers: A SGD 1,500 overseas order via Chocolate Visa earns 1,000×1 + 500×0.4 = 1,200 miles.

2. Four Hidden Tips to Earn More Miles

• HeyMax exclusive campaigns: Join the "Shop with Max" program in-app to earn bonus miles via 400+ partner brands (e.g., Lazada, Adidas).
• Dining booking cashback: Book restaurants via HeyMax to earn an extra 0.5 mile per SGD 1 spent.
• Gift card arbitrage: Buy Amazon, Grab, etc., gift cards to enjoy discounts while earning miles for "double savings."
• Finance + rewards cycle: Use savings account earnings for spending, creating a "high-interest savings → spend to earn miles → redeem for travel" loop.

IV. Three Ways to Unlock Max Miles Value

1. Fly Anywhere: Unlimited Flight Redemption

• Cash direct redemption: 1 mile = 1.8 Singapore cents, directly offset flight costs via PayNow with no blackout dates.
  • Example: A round-trip economy ticket from Singapore to Bali costs ~10,000 miles, saving SGD 180.
  • Business class upgrade: Upgrading to business class from Singapore to London requires only 40,000-60,000 miles, saving over 50% vs. cash tickets.

2. 1:1 Redemption for 27+ Airlines/Hotel Programs

• Premium airline alliances: Direct transfer to Singapore Airlines KrisFlyer, British Airways Avios, Emirates Skywards, etc.
• Hotel points interoperability: Redeem for Accor, Marriott, etc., hotel points for "zero-cost stays."
• Flexible combinations: Convert 50,000 miles to Qantas points, for example, to redeem a Sydney→Los Angeles business class ticket.

3. Full Coverage of Daily Spending Scenarios

• Gift card redemption: Start from SGD 10, supporting Lazada, Amazon, Grab, etc., ideal for daily shopping deductions.
• Virtual card top-up: Convert miles to prepaid cards for online payments via the "Cash-for-Miles" feature.

V. Link Your Card in 5 Minutes to Accelerate Miles Earnings

Steps

1. Download the HeyMax app: Search "HeyMax" on the App Store or Google Play and install.
2. Register a Chocolate Finance account: Verify quickly via Singpass, open a savings account, and apply for a Visa card.
3. Link your card:
   • Go to the "Cards" section in HeyMax and select "Add Card."
   • Enter your Chocolate Visa card number and CVV to complete security verification.
4. Activate exclusive benefits: Claim SMRT commute mile rewards in the "Promotions" section of HeyMax.

Advanced Tips

• Multi-card synergy: Link other Visa cards (e.g., DBS Altitude) simultaneously; use HeyMax's smart recommendations to switch cards for "finance + rewards" double benefits.
• Real-time tracking: Check spending details and miles progress for each card in the HeyMax dashboard to adjust strategies dynamically.

Conclusion

The Chocolate Finance x HeyMax partnership redefines financial management and travel experiences for Singapore users: Build a financial foundation with high-interest savings, earn lifetime valid miles via zero-fee spending, and finally achieve travel freedom through flexible redemptions. Whether for daily commutes, cross-border shopping, or luxury getaways, this combination fits perfectly. Take action now: Download HeyMax, link your Chocolate Visa card, and turn every dollar spent into fuel for exploring the world!

(Note: Campaign details are subject to official announcements by Chocolate Finance and HeyMax. Confirm the latest terms before redemption.)