Maximize Your Rewards with the Chocolate Visa Platinum Debit Card!
- Clara Shinta
- Jun 9
- 3 min read
Are you tired of missing out on rewards for essential payments like insurance, hospital bills, and utilities? The Chocolate Visa Platinum Debit Card is changing the game by letting you earn 2 Max Miles for every S$1 spent on virtually everything—even on transactions that traditionally don’t earn rewards!
Starting from 11 February 2025, this new program allows you to earn miles on categories you never thought possible, making it one of the most rewarding debit cards in the market.
Eligible categories include:
Charitable donations – Give back and get rewarded!
Education expenses – Pay tuition, exam fees, or courses while earning miles.
Hospital bills – Turn medical expenses into travel rewards.
Insurance premiums – Cover life, health, and general insurance payments while maximizing benefits.
Utilities – Pay for electricity, water, and gas with ease.
AXS transactions – Enjoy rewards on bill payments made via AXS.
With the Chocolate Visa Platinum Debit Card, your everyday spending now works for you—helping you travel the world faster!
Understanding the Monthly Spending Cap
To ensure a fair and balanced rewards system, Chocolate Finance has introduced a spending cap on the 2 Max Miles per S$1 rate.
Here’s how it works:
You’ll earn 2 Max Miles per S$1 on the first S$1,000 spent each calendar month.
Once you exceed this limit, you’ll still earn miles, but at a reduced rate of 0.4 Max Miles per S$1.
This means you can strategically use the card for high-priority expenses within the cap and still continue earning rewards beyond it.
Pro Tip: If you have larger expenses planned, spread them out across months to maximize the 2 Max Miles rate!
What Are Max Miles and Why Are They So Valuable?
Max Miles are flexible, transferable, and never expire!
Unlike some airline miles or cashback programs, Max Miles offer unmatched flexibility, making them one of the best reward currencies in the market.
Here’s why they’re special:
1:1 Transfer Ratio – Convert Max Miles directly to airline and hotel loyalty programs at a 1:1 rate.
27 Partner Programs – Transfer your miles to leading travel partners, including:
American Airlines AAdvantage (one of the most valuable airline programs!)
World of Hyatt (redeem for luxury hotel stays!)
And many more!
No Expiry – Unlike other programs where miles expire after a few years, Max Miles never expire, allowing you to save up for your dream trip without any pressure to redeem them quickly.
Flexible Redemptions – Whether you want free flights, hotel stays, or upgrades, Max Miles give you options!
Pro Tip: If you plan your transfers strategically, you can maximize your miles value, unlocking premium flights for a fraction of the usual cost!
Additional Perks That Make This Card Even More Rewarding
Beyond its amazing miles-earning potential, the Chocolate Visa Platinum Debit Card also offers:
No Annual Fees – Enjoy all the benefits without any extra cost!
No Minimum Income Requirement – Available for everyone, regardless of income level.
Seamless Digital Experience – Instantly create a virtual card and start using it right away.
And if you store funds with Chocolate Finance, you’ll also enjoy: Guaranteed Interest Rates – Earn passive income while spending!
3.3% p.a. interest on the first S$20,000
3% p.a. on the next S$30,000
This means you’re earning miles AND growing your savings at the same time—a win-win for smart spenders!
How to Get Started – It’s Quick and Easy!
Signing up for the Chocolate Visa Platinum Debit Card takes just a few minutes! Here’s how:
Download the Chocolate Finance app from the App Store or Google Play.
Open an account and verify your details.
Create a virtual Chocolate Visa Card instantly.
Pair your card with Heymax by going to “Your Cards” > “Add Card” in the Heymax app.
Sign up for a Heymax account and enjoy a welcome bonus of up to 250 Max Miles! 🎉
Once set up, you can immediately start earning miles on all eligible spending!
Why This Card is a Must-Have for Smart Spenders
The Chocolate Visa Platinum Debit Card is perfect for those who want to maximize rewards on everyday spending without the hassle of high fees or strict requirements.
Why You Should Get This Card:
Earn 2 Max Miles per S$1 on spending that usually doesn’t earn rewards.
No annual fees & no minimum income requirement – Accessible for everyone!
Flexible mile redemptions with top airline and hotel programs.
Passive income from high interest rates while storing your money.
Simple and fast sign-up process – Start earning rewards immediately!
If you’re looking for a smarter way to earn miles on your daily expenses, this is the perfect card for you.
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